See your net balance, how many days your savings would carry you, and one Discipline score built from four pillars. Eywa, your money mentor, sends a short note each week with the next concrete step.
Pronoa is in testing now. It comes to the App Store soon.
Free to use. No bank login needed.
You're not bad with money. You just don't have the picture. Pronoa turns your transactions into a live picture: one health score, Freedom Days, and small nudges from Eywa that add up to real momentum.
No lectures. No shame. Just clarity, and the next right move.
How long your savings would carry you if the income stopped tomorrow. Grow it and every decision gets calmer.
One score out of 100, built from Income, Expense, Savings and Debt. The weakest pillar shows you where to start.
Demo figures. Yours appear after a few days of logging.
Five tabs and one idea: see where you stand, then take the next small step. Home opens on your balance, your freedom days and how you're doing.
Your net balance, how many days your savings would last, and how you're doing across the four pillars. One look, and you know what matters this week.
Log income and spending in a few taps, see what is coming up, and read the month back in a summary that makes sense.
Give a goal an amount and a date, and Pronoa works out the monthly figure. Progress fills in as you save, so you always know if you are on track.
What went well, what needs attention, and a few concrete steps with what each one saves. No lectures, no shame.
Add a card or a loan with its rate and payment. Pronoa shows what the interest costs you, the order to pay things off and the month you will be debt-free.
Add your bank account, your cards and the cash in your wallet. Pick one when you log a payment, and Pronoa shows what each of them spends and what is left on it.
Discipline is your headline score out of 100. It combines Income, Expense, Savings and Debt, and the weakest pillar shows where a small change counts most. Where there is not enough data yet, Pronoa says so instead of guessing.
Eywa notices what you would miss and tells you in one plain sentence, with the number that matters.
“Your Expense score dropped 6 points this month. You're 22% over your 3-month dining average, mostly delivery. If you cap delivery at $120 you'll recover 4 points by month-end. Want a reminder next Sunday?”
When goals slip behind pace, Eywa says how much more a month puts them back, and which one to start with.
On a high-interest card, Eywa puts a number on the monthly interest and shows how many months sooner a little extra clears it.
Not only warnings: Eywa counts the wins, like a payoff date in sight, and flags a busy payment day before it comes.
Open any past month and Eywa sums it up first: what you kept, what ran above usual and what that means for next month. The year sits one tab away, month by month.
Eywa suggests challenges from what you actually spend, like “7 days without delivery”, “20% less on restaurants” or “Coffee at home”. Start one and its progress tracks itself from the payments you log.
When a month ends, Pronoa tells it back one card at a time: what you kept, the freedom days you gained, your biggest win and a line from Eywa.
Every dollar is either freedom or friction. See exactly how many days of freedom you already have, then watch them grow.
Freedom Days = total savings ÷ daily essential costs
Three things Premium does for you, shown as they look in the app.
Eywa answers from your own numbers: what is left this month, what is already promised, and which goals it would touch.
Take a photo and the store, total, category and date are filled in. You check it and save.
Say “42 euro groceries” and the entry is ready, with a line from Eywa on where that category stands.
Track, plan and see your score without paying a thing. Premium adds the extras that save you time.
Everything you need to see where you stand and what to do next.
For when you want Eywa to do more of the work for you.
A small violet sparkle in the app marks what Premium adds. The rest is free.
Short reads on budgeting, debt and saving sit one tap from Home. The guides open right in the app, page by page, at a text size that suits you.
Eleven guides in a reading order that actually works, start free, stop what is costing you, then handle the decisions that involve other people.
Why budgets quietly fail, the 50/30/20 framework, the Freedom Days concept, and a 7-day kickstart plan.
Measure your financial runway, cut leaks, defend against lifestyle inflation. Month-by-month growth plan.
Why "3-6 months" is bad advice. Three tiers of reserves, where to keep them, when to use them.
How banks and cards actually make money from you, the full fee map, the minimum payment trap in numbers, and the card setup that costs you nothing.
The minimum payment trap, snowball vs avalanche math and behavior, the hybrid method, and the post-payoff psychology that prevents re-accumulation.
Loans, interest and the true cost of borrowed money. Flat rate vs reducing balance, where your payment actually goes, and when refinancing is a trap.
Buying a home without the numbers surprising you later. LTV bands, the real cost of ownership, fixed vs variable, and the honest rent-versus-buy maths.
Four honest conversations, three account patterns, the monthly meeting that changes everything, and how to keep autonomy when incomes are unequal.
Two-income households, joint-account architecture, monthly money meeting template, teaching kids money habits, proportional contributions for unequal incomes.
Teach children about money without making it weird. Allowance, the first bank account, in-game spending, and the handover at eighteen.
Seventeen chapters plus printable worksheets. The widest single guide, psychology, budgeting, debt, Freedom Days, investing, real estate and FIRE.
The full library, all eight paid guides, 82,000 words. Every topic covered once in the all-rounder, then to the bottom in each focused playbook.
Pronoa needs your numbers to help you. It doesn't need your bank login, your attention for ads, or a buyer for your data.
Receipt photos, voice entries, statements and Eywa chat go to OpenAI only after you allow it, and only when you use them. OpenAI doesn't train on them. Turn it off in Settings and everything else keeps working.
Pronoa never connects to your bank. You type an entry, scan a receipt or import a PDF statement, and you decide what goes in.
No analytics, no ad networks, no data brokers. Your data is not sold, shared or rented, to anyone.
Export everything as one file, spreadsheets and receipt photos included, free on every plan. Delete your account and your data is gone within 30 days.
Yes. Tracking, goals, debts, challenges and your health score are free, with no card and no time limit, and Free keeps two accounts or cards and one challenge at a time. Premium adds receipt scan, voice entry, Eywa chat, statement import, monthly reports, colour themes, unlimited accounts and up to three challenges at once. It costs €6.99 a month or €49.99 a year.
No, on purpose. Nothing asks for your bank login. With Premium you can import the PDF statement your bank already gives you, and Pronoa reads the transactions out of it. The file itself is not kept.
Euro, US dollar and the convertible mark (KM). Your account keeps one currency so totals never mix: a receipt in another currency asks you for the amount in yours.
Every connection is encrypted, passwords are hashed and receipt photos sit in private storage. Your Eywa chat history stays on your phone. The privacy policy lists every company that touches your data and why.
Eywa is the mentor inside Pronoa. It reads your own numbers and tells you, in a sentence or two, what is going well and the one thing worth doing next. It never judges and never sells you anything.
Pronoa is in testing now. It comes to the App Store soon.
