Personal finance, finally calm
See all your money in one clear place.
Your accounts, sorted automatically. See where your money goes and what’s coming next — without the spreadsheet.
- We can never move your money
- We never sell your data
Free · private beta · invite-only for now.
+4.5%vs. last month
+5.8%vs. last month
+21.1%vs. last month
Heads-up · Dining
€290 of €300 — on track to go over by month end.
- Bank-level security
- Regulated open banking
- Read-only access
- GDPR — export or delete anytime
How it works
Set up once. It runs itself.
Connect your bank
Link your accounts through your bank’s secure connection. Read-only — we can never move a cent.
We sort everything
Every transaction is tidied and categorized automatically, so you don’t label a thing.
| Date | Description | Amount |
|---|---|---|
| 28 Jun | +€3,300.00 | |
| 26 Jun | -€48.20 | |
| 25 Jun | -€13.99 |
See where you stand
Open one calm screen to see what came in, what went out, and what’s coming next.
Features
Dashboard
Everything, on one calm screen.
Balance, income, spending and savings — the whole month at a glance, updated for you overnight.
- Your real balance across every account
- Income, spending and savings side by side
- A six-month trend so you can see the shape of things
Analytics
Know exactly where it goes.
Your spending, broken down by category, with money-in versus money-out over time — no guesswork.
- See your biggest categories at a glance
- Spot the merchants quietly adding up
- Watch money in and money out, month by month
Forecast & planner
Our favoriteSee your future balance — honestly.
A realistic look at where you’re headed, plus a plain-language answer on whether your savings goal is within reach.
- One rough month won’t throw off your outlook
- A realistic range, not false precision
- A clear yes-or-no on your savings goal
Adjusted monthly net
€850.00
range €630.00 to €1,070.00
After your changes
Freed up
€200.00/mo
≈ €2,400.00/yr if sustained
At about €850.00/mo you're set to put aside €9,800.00 by then.
Set aside €700.00/mo
to reach €9,800.00 in 14 months
By then you'd likely have around €10,850.00–€12,950.00 at your current pace. That's beyond the 12-month range your history reliably supports — treat it as a direction, not a date.
The Planner tracks your income minus expenses, not your bank balance — enter what you've already saved.
Alerts
A heads-up before you overspend.
Set a limit for any category and we’ll message you the moment you’re on track to go over — while there’s still time to adjust.
- Instant alerts, straight to your phone (via Telegram)
- Alerts that account for where you are in the month
- Fixed bills won’t trigger false alarms
Budget pace · this month
Heads-up · Dining
€290 of €300 — on track to go over by month end.
Your AI money guide
AI money guide
Insights that tell you what to do next.
Your personal money guide reads your own numbers and turns them into plain-language insights — spotting what you might miss and suggesting a clear next step.
- Plain-language insights, not another chart to decode
- Catches the things that quietly add up, before they cost you
- Every insight comes with a suggested next step
Your money guide
Personalized insights from your own numbers.
Subscriptions are quietly adding up
You’re spending about €62 a month across seven subscriptions — up from €48 six months ago. Two haven’t been touched since March.
Next step · Cancel the two you’ve stopped using to put roughly €18 back in your pocket each month.
You’re ahead on your savings goal
At your current pace you’ll reach your €15,000 goal about two months early, with your savings rate climbing to 23% last month.
Next step · Keep it steady — or move the extra into your emergency fund to build a bigger cushion.
AI-generated guidance for our free, invite-only beta — informational only, not regulated financial advice.
Security & trust
Built to protect your money and your data.
Your money stays with your bank. We only ever read your transactions — never touch them.
- Connected through regulated open banking — the same rails your bank already trusts.
- Read-only access. We can see your transactions, but we can never move your money.
- Your data is encrypted in transit and at rest.
- Covered by GDPR — export or delete everything, any time.
- We never sell your data, and we never show you ads.
A note from the founder
“I built this because I wanted one honest, calm view of my own money — not another cluttered banking app.”
— Founder, Luca
Access
Free
Luca is free while we’re in private beta — access is invite-only for now. Request an invite and we’ll reach out personally when your spot opens up.
FAQ
Questions, answered.
Still curious? The best way to see it is from the inside.
Take control of your money — today.
One clear view of everything you earn, spend and save. Free while we’re in private beta.
Bank-level encryption · Regulated open banking · We never sell your data