Everything You Need for Financial Success

Manual transaction entry is one of the biggest reasons people abandon budgeting apps. Our smart bank import eliminates this friction entirely. Upload a PDF or Excel statement from any major Czech bank — Fio Banka, ČSOB, Komerční banka, Česká spořitelna, Raiffeisenbank, or MONETA Money Bank — and our AI-powered parser extracts every transaction automatically. Dates, amounts, merchant names, and reference numbers are all recognized and structured in seconds. The parser handles the unique formatting quirks of each bank’s PDF layout, so you never have to copy-paste or manually type transactions again. Beyond Czech banks, the system also supports international bank exports in standard CSV and Excel formats. Once imported, transactions are immediately available for categorization, budget tracking, and spending analysis. Recurring transactions like rent, subscriptions, and insurance payments are automatically detected and flagged, saving you even more time each month.

Categorizing hundreds of transactions every month is tedious and error-prone. Our AI categorization engine learns from every correction you make, building a personalized model of your spending patterns. Assign a category to a transaction from Albert or Lidl once, and the AI automatically applies the same category to every future transaction from that merchant. The system works seamlessly in both Czech and English, recognizing merchant names regardless of language or formatting variations. Over time, the AI becomes remarkably accurate — most users find that after two or three months of use, fewer than 5% of transactions need manual adjustment. You can also define custom category rules for specific merchants or transaction patterns, giving you full control over how your spending is organized. The AI handles edge cases intelligently, distinguishing between different types of purchases at the same retailer and adapting to changes in your spending habits.

Effective budgeting requires more than just tracking expenses — it demands clear visibility into where your money goes and how your spending evolves over time. Our budget planning tools let you set monthly spending targets for each category, from groceries and dining to transportation and entertainment. Real-time progress bars show exactly how much of each budget remains, while visual pie charts break down your spending proportions at a glance. The trend analysis engine compares your current month against previous months, highlighting categories where spending is increasing or decreasing. You can spot overspending patterns early and adjust before they become problems. The system supports three distinct category baskets — expenses, income, and savings or investments — giving you a complete picture of your cash flow. Monthly and yearly summaries help you identify seasonal spending patterns, like higher utility bills in winter or vacation expenses in summer, so you can plan ahead with confidence.

Your net worth is the single most important number in personal finance, yet most people have no idea what theirs is. Our net worth dashboard consolidates all your financial accounts — bank accounts, brokerage accounts at Interactive Brokers, Degiro, or Amundi, real estate properties, cryptocurrency holdings, and liabilities — into one unified view. Monthly snapshots track your wealth trajectory over time, showing exactly how your net worth changes month to month. Multi-currency support with automatic conversion means you can track assets in CZK, EUR, USD, and other currencies without manual calculations. The investment portfolio section goes even deeper with ETF look-through analysis that reveals actual underlying holdings, sector and geographic exposure across your entire portfolio. Risk metrics including Sharpe ratio, Sortino ratio, and maximum drawdown help you understand your portfolio’s risk profile, while stress testing simulates performance against historical crises like the 2008 financial crisis, the COVID-19 crash, and the dot-com bubble. Try our free portfolio analysis tool to see these insights for yourself.

Financial Independence, Retire Early is more than a dream — with the right tools, it becomes a concrete plan with measurable milestones. Our FIRE planning module supports five distinct FIRE variants to match your lifestyle goals: Lean FIRE for minimalist living, Regular FIRE for maintaining your current lifestyle, Fat FIRE for a comfortable retirement with extras, Coast FIRE for those who have saved enough to stop contributing and let compound growth do the work, and Barista FIRE for supplementing investment income with part-time work. Interactive projections show exactly when you can reach each FIRE milestone based on your current savings rate, investment returns, and expected expenses. Monte Carlo simulations run thousands of scenarios with varying market conditions to give you realistic probability estimates rather than single-point projections. The calculations are grounded in the 4% rule established by William Bengen in 1994, with fully customizable safe withdrawal rates so you can model conservative or aggressive scenarios. Try our free FIRE calculator to start planning your path to financial independence today.

Real estate is often the largest single asset in a household’s portfolio, yet most finance apps ignore it entirely. Our property tracking module lets you monitor every aspect of your real estate holdings in one place. Track current property values with manual updates or estimated appreciation rates, and see how equity builds over time as you pay down your mortgage. The mortgage amortization calculator shows exactly how much of each payment goes toward principal versus interest, and projects your full payoff timeline. For rental properties, calculate your rental income ROI including all costs — mortgage payments, SVJ fees, property taxes, insurance, and maintenance expenses — to understand your true cash-on-cash return. The system integrates seamlessly with the net worth dashboard, so you always see how your real estate equity contributes to your overall wealth and FIRE progress. Whether you own a single apartment in Prague or multiple investment properties, the property tracker gives you the financial clarity you need to make informed decisions about buying, selling, or refinancing.