When did you last know, for certain, where your month went?
The usual ways to find out, and where each one stops short.
The spreadsheet you keep
Yours, and accurate, because you typed it. That is also the cost: every line, every month, by hand.
A glance at the balance
The balance is true. It can’t say where the month went, so more coming in still feels like getting by.
The dashboard that syncs
Numbers that update while you sleep, until the hours reconnecting, the totals you stop trusting, and reviews where you tinker and nothing changes.
What asks nothing changes nothing. Clarity is seeing where your money goes. Agency is choosing, on purpose, where it goes next.
The whole app, in three moves.Bring a statement, see where you stand, choose what’s next.
1 · honestyBring a statement.
Receipts: every line gets a plain name, and the ones it isn’t sure of stay in view. The record is your bank’s own, so nothing is guessed in silence.
2 · claritySee the month, and where you stand.
Month: the whole month against your own usual, the one thing that changed first, in time to act. Glance: where you stand, then what needs you. A quiet day is a nearly empty page.
3 · agencyChoose where it goes next.
Debt: set the monthly amount and see the month you’re out. Plan: put real money toward the things you love, at a pace that is never a bill.
Bring one statement.See where the month went.
Download a statement the way you always do and drop it in. Every cryptic line gets a plain name. The ones Lagom isn’t sure of wait for you. The month lands on one page against your own usual.
- Teach it once. Say where a merchant belongs; every line like it sorts itself from then on.
- At your own pace. Weekly, monthly, as your life runs. A second statement from a known account lands with the first.
- OCT 01RENT - PARKSIDE APTSRent need2,150.00
- OCT 02SQ *SUNDAY GRIND 4471Coffee a want you love6.25
- OCT 04RIDEO *TRIP HELP.RIDEORides want18.40
- OCT 05APP.STORE/BILL 866-712A charge with no name named it14.99
- OCT 07FRESHFIELD MKT #4012Groceries need86.12
- OCT 09SKYLINE AIRWAYS 0142The trip pre-funded640.00
- OCT 15PAYMENT - THANK YOUCard payment debt steps down1,100.00
- OCT 28TRANSFER TO SAV 0088To savings kept600.00
October is on your usual pace. Wants ran 210 under, and 600 went to savings.
Drop them in.Watch them sort.
Lagom reads every merchant and files it where you would, in seconds, while you watch. Then you say one word: yes.
- Sure answers, sorted for you. The few it isn’t sure about wait for you, one tap each.
- Free, for everyone. Sorting never sits behind a paywall.
Lagom sorted 59 of 72 purchases.
5 merchants it isn’t sure about. You decide those.
The import panel, as it ships.
The whole month, on one page.Against your own usual, to the same day.
Your whole month on one page. The one thing that changed comes first, with why it matters, while there are days left to act. The rest is read beside your own usual: no categories to plan, no limits to enforce.
- Needs and wants, apart. Rent and groceries never hide what eating out did.
- Compared to your own usual. “Eating out ran $120 under your usual.” Sometimes the change is the good kind, and you keep it.
- Change shows up as a line you can read. Results, not vibes.
2,994 needs · 536 wants, so far
3,530 by day 24 — a usual month is at 3,740 by then. Purchases and bills; no transfers, card payments or savings.
400 ✓ to savings first, by the 2nd
787 less debt — for good
The Month page: the month against your own usual, and where it all went.
Where you stand, every day.Then what needs your attention.
Glance opens on this month so far, lighter or heavier than your own usual by the same day. Then what needs you: a charge with no name, a subscription you stopped using, a free trial about to charge.
- Charges with no name. A store-billed repeat you forgot gets named, or canceled.
- Wins the ledger proves. Cancel a subscription and the app shows the months it stopped charging.
- No shame, no red. Amber is information, never a scolding.
This month so far · day 24: $210 lighter than your usual.
everything else is quiet.
Glance. A quiet day is a nearly empty page.
You set the monthly amount.Lagom works out the month you’re out.
Every card and loan on one staircase, stepping down to the month you’re out, in the order you pick. The month is computed from the months you lived, never promised. A one-off payment shows how many months sooner you’re out.
The Debt page: a projection at the amount you set, never a promise.
Saving has been a wish.Now it’s a picture you paint in.
A plan is a thing you’ll do: a picture, about how much, and when. Put money in and the picture paints in from the bottom. Full means READY. Then you live it, and it goes on the shelf with one line to remember it by.
- Only money that exists. Put in what’s spare. The emergency fund is never offered.
- A pace, never a bill. “150 a month makes January.” A month you skip is never owed.
- Spare cash has a job: ease. No dollar is given a job it didn’t ask for.
Gifts on the suitcase, the door ajar. Each month you put in, the picture fills a little further and the door opens a little more.
Full means READY. The stamp lands and nothing asks you to keep filling it. When the day comes, you spend from it, and the plan stays ready while you do.
You lived it, marked the charges, wrote one line. It goes on the shelf, and next year Lagom offers to plan it again.
Three plans, three moments: one still filling, one ready, one lived. The pictures are the app’s own, and every motion is the painting itself, a frame at a time.
Let a month of your own statements decide. 30 days of Premium free, no card.
Start free →What Lagom won’t do
- Never your bank loginYour bank password never reaches Lagom. You bring the statements: nothing to reconnect, nothing to reconcile.
- Never your history for saleNo ads, no data resale, no alarms to keep you tapping. Lagom is paid by the people who use it.
- Never a scoldNo red, no streaks, no shame. Calm is how you keep looking.
- Never locked inExport everything any time, or delete it all. Backups age out within 30 days.
The fine print, in plain words.
You bring the files; the trust stays with you. Your bank password never reaches Lagom.
Premium pays for Lagom. To draft a category, only masked merchant names leave your ledger: never an amount, a date or an account.
Export everything as a file you can open anywhere, or delete everything. Any tier, any time.
When the founding price ends, new ledgers pay $129. Yours never changes.
“I’m user #1. My own pile steps down on this app, and the month it ends has a name.”
R., the maker · paying off his own pile
Start with everything. Decide later.
Free for 30 days, no card. Then stay on Basic for good, or keep it all.
Free
For good. No card, nothing expires.
- Glance — where you stand, then what needs you
- Receipts — every purchase, in plain names
- Export or delete everything, any time
$129$79a year
Founding price · 39% off, for as long as you stay
Or $12.99 a month, cancel anytime.
- Glance — where you stand, then what needs you
- Receipts — every purchase, in plain names. Every import sorted for you as it lands
- Month — know what changed, in time to act on it
- Debt — choose your way out; Lagom names the month
- Plan — a cushion first, then the things you love, on purpose
