what you may have tried
The dashboard is not on your side 🥊
Checking the balance and hoping. It's what most of us do. It's also why nothing moves.
The spreadsheet. Honest work, fought alone, until one skipped Sunday becomes forever.
The dashboard. Our actual enemy. It syncs everything, asks nothing of you, and calls that clarity. It isn't.
Clarity is seeing where it goes.
Control is choosing where it goes next.
how it works
Three moves, once a month 🗓
The first month is the slowest — every rule you teach makes the next month faster.
Drop your statements in
Download your statements like you always do, and drag them in. Your passwords stay at your bank.
Sort with the engine
Say where things belong, once. Next month arrives mostly sorted; you just say yes or no.
Read your pictures
Today, the Month, the staircase: your own months, drawn honestly, ending in a date.
changing habits
Change one habit at a time 🌱
Tame one spending at a time
Pick the one spending that's eating you. Set a ceiling. Watch it move, month by month. Then pick the next.
Debt can't creep back quietly
New borrowing shows up the month it happens: an amber bar, not a surprise next year.
No shame, no red alerts
Amber is information, never a scolding. You're doing hard work; the app makes it feel like progress.
the month view
Your whole month, on one page 📖
the actual Month page, on demo data — every number computed from imported statements
- No budget to set up. Your usual builds itself.
- Drift gets named: "eating out ran $120 under your usual." You know what happened, and whether you meant it.
- Change shows up here as a line you can read. Results, not vibes.
after the debt
The date is chapter one 🏝
Because your money is just your life, written down. Control of one is authorship of the other.
Spend like you mean it
A year of sorting your own money teaches you what you actually value. The changes you make are yours.
Worthwhile things get dates too
The staircase that retires a debt also saves a trip, a reservoir, a down payment. A number and a month turn a wish into a project.
A practice, not a phase
The sitting outlives the debt. The questions just get better: not "can I?" but "do I want to?"
what we won't do
- No bank logins, ever. You bring the files; the trust stays with you.
- No selling data. No ads. You pay us; that's the whole model. Only masked merchant names ever leave your ledger — never an amount, a balance, or an account number.
- No lock-in. Export everything or delete everything, any tier, any time.
- No fake urgency. When the founding price ends, new ledgers pay $129. Yours never changes.
pricing
One honest line
$0
free forever
- Import, ledger, hand-sorting + the rules you taught
- Export everything, any time
- Delete everything, any time
$99/yr
founding price — it never rises while you stay ($129/yr once the founding window closes)
or month to month: $12.99, cancel anytime
- Today — cards for what needs you now
- The Month, in full
- Debt — the staircase and the month you're out
- The engine that drafts your sorting
Every account starts with 30 days of Premium. No card. When the trial ends, nothing you made ever locks.
A $6,000 balance at 20% costs about $100 a month in interest. A year of Lagom is $99: one of those months, spent on ending the rest.
short reads
Short essays, no listicles
Pay the pile, not the card
Minimum payments are a treadmill. A fixed monthly number is how you plan an ending.