Your money as a system: one tank your pay fills and your bills drain, and pipes that open as it fills. Everything stays on your phone.
What it is
A way to see your money as a system: one tank your pay fills and your bills drain, and pipes that open as the tank fills.
A planner and a record. It works out where each month’s money should go and lists the moves; you make them at your own bank.
Private by design. Everything stays on your phone — no account, no sign-in, no ads, no tracking.
Free at level 1, for good. The full app is $2.99 a month, or $24.99 a year, with lower prices earned by using it.
What it is not
Not a bank. It never moves money. If you choose, it can read your balances through SimpleFIN — read-only, and off unless you connect it.
Not financial advice. It does the arithmetic on the plan you set; the decisions are yours.
Not backed up for you. There is no copy anywhere else unless you save a backup.
The full app
Levels 2 to 6, for $2.99 a month, or $24.99 a year. Renews automatically at the end of each month or year (the plan you chose) unless cancelled at least 24 hours before the end of the current period.
Monthly plan: your first 3 months at $0.99 a month once you reach level 2 (the store’s introductory offer), then $2.99 a month. Later reward months are $1.49 a month, earned by using the app.
Payment is charged to your Google Play or Apple account. Manage or cancel in that account’s subscription settings.
Level 1 stays free whether or not you subscribe.
Help
Questions, problems or ideas: surgeaccount@protonmail.com. We cannot see your figures, so please describe what happened rather than sending a backup file.