Plan your money. Free.
No sign up. No trial.
Subscriptions collect a lot of personal data, and building your own spreadsheet is a hassle. These are the tools anyone serious about their money needs — without losing an arm in money or data.
Get startedNothing to sign up for. A few taps to set it up, and you can skip those too.
-
Free.
It costs nothing. There is no trial, and no paid version to be pushed toward.
-
No account. No bank login.
You never give us an email, a password, or a way into your bank. There is nothing to sign up for.
-
Stays on your phone.
Your numbers are saved in this browser, on this device. They are never sent to us — there is no server to send them to.
What’s in it
- Cash flow What comes in, what goes out, and what is left.
- Assets Everything you own, from a savings pot to a house.
- Liabilities Every loan and card, what they cost, and when they end.
- Net worth What you would have if you settled up today.
- Calculators Interest, paying down early, renting against buying.
- Profile Your backup, and the button that wipes it all.
How it works
-
Say what comes in and what goes out.
Your pay, the rent, the phone bill, the card. A name and an amount is enough.
-
See where it all goes.
The chart draws every amount at once, so what is left over is a picture rather than a sum you do yourself.
-
See when your debts end.
Say what’s left on a card or a loan and what you pay. It works out the month you’re finished.
Put it on your phone
It works in any browser, but on your home screen it opens like an app and works without a connection. It is also safer there: a phone can clear a website’s saved numbers if you don’t visit for a while, and it keeps an app’s.
On iPhone (Safari)
- Tap the Share button in the toolbar.
- Scroll down and tap “Add to Home Screen.”
- Tap “Add” in the top corner.
On Android (Chrome)
- Tap the menu in the top corner.
- Tap “Add to Home screen” or “Install app.”
- Tap “Add” or “Install” to confirm.
About
I’m Yarid Asher. I have studied Finance and was an Analyst at Goldman Sachs for 2 years. I have seen Private Wealth Management closely. I see the patterns and some tools are at the absolute base of any money strategy. I want to make those tools available to everyone for free. That’s why this site doesn’t have ads, sign ups and accounts, or payments. Whatever your path, everyone should at least have a compass.
To support, you can visit pangeo.ai.
The honest small print
- Your numbers live only on this device. We can’t see them, and we can’t get them back for you.
- Clearing this browser’s data clears them. So does losing the phone.
- Back up from Profile. It saves a file that is yours to keep — and that file is the only copy there will ever be besides this phone.
- One device at a time. Nothing syncs between your phone and a computer.
- It isn’t locked. Anyone who can unlock this phone and open this browser can read what you put in.