features five pages in the order you’d think it through
Your money, in plain sight.No judgement. Your move.
Bring a statement; the answers are ready: what needs your attention or a quick action, where each dollar went, what changed this month, when your debt is gone, and how your lake weekend gets paid for.
No bank login, no budget to set up.
At a Glance: see where you stand,then what needs your attention.
One calm page: this month so far beside your own usual, the campaigns you’re running beside theirs, and a win when the ledger proves one. Open it any morning and nothing shouts; a card or two waits, and the rest is quiet.
- Lighter or heavier, by the same day. This month so far against your usual month, cut to today’s date so half a month never looks cheap.
- Your campaigns, each against its usual. Eating out this week, getting around this month: a card appears once there is a usual to compare, and never before.
- Then the cards that need you. A charge with no name, a subscription you stopped using, a free trial about to charge: name it, cut it, or say you canceled it.
This month so far · day 12: $59 lighter than your usual.
everything else is quiet.
In Receipts: see where the money went,line by line, in plain names.
Your statements are the record, and Receipts keeps every line of it in view. Nothing is hidden and nothing is guessed in silence: Lagom names the merchant, drafts the category, and marks the line it isn’t sure about so you see it.
- Known merchants sort themselves. A statement lands with most lines already in their category; the few Lagom isn’t sure about are counted and waiting.
- Teach it once. Change a category and Lagom remembers it on every statement after; undo it any time.
- Card payments and transfers, set aside. Money moving between your own accounts is never counted as spending, so the totals are honest.
what your bank says
what you see
For the Month: know what changed,in time to act on it.
The one thing that changed this month comes first, with days left to act on it. Sometimes the change is the good kind. Read beside your own usual, a month is a shape to recognize, not a verdict, and what you keep or change is your call.
- Your own usual, to the same day. Half a month never looks cheap: you see how far under or over your usual you are by today, bills included.
- Four words for the month. Spending on pace, bills covered, debt shrinking, savings on track: each a verdict against your usual, amber when a figure is over, never red.
- The rest of the month, in one place. Upcoming bills, versus last month, this month at a glance, and no budget to set up.
The one thing: eating out is 186 over your usual by the 19th.
With Debt: choose your way out,and Lagom names the month.
Every card and loan on one staircase, stepping down to the month you’re out. You set the monthly amount, so the date is one you can live with; a short month turns amber, never red.
- Smallest first, or least interest. Pick the order; the staircase re-sorts and each card shows the month it clears.
- A one-off payment, counted. Add one and see how many months sooner, and how much less interest.
- Statements state the balance. What you owe comes from your statements and the date from months you lived, so there’s nothing to type and nothing to argue with.
2,050 in interest along the way
Plan the things you love,within reach, on purpose.
Name what you love, put real money toward it, and watch its picture paint in until it says READY. This is where the money you kept becomes the things you love, each with a month on it, at a pace that is yours and never owed.
- Your cushion comes first, and stays yours. Spare cash plus an emergency fund no plan can touch, counted in days of enough.
- A date, from your own pace. 150 a month makes January: you choose what goes in, and the month follows.
- Full means READY The stamp lands on the picture, and nothing asks you to keep filling it.
- Lived, then kept. One line to remember it by, and one question: would you do it again?
Nothing reads over your shoulder, and nothing is sold.
You download the statements yourself, so your bank password never reaches Lagom.
To draft a category, Lagom sends them to an outside service, never an amount, a date or an account. Suggestions off, nothing leaves.
Export everything or delete it all, on any tier, any time; backups age out within 30 days.
Where a dashboard asks nothing of you, Lagom asks you to look.
Glance opens on this month so far, lighter or heavier than your usual by the same day, then the cards that need you.
A figure over your usual turns amber, never red, and a plan’s pace is never a bill: a month you skip is never owed.
You set the amount each month and Debt shows the month you’re debt-free; you put money into a plan and its picture paints in from the bottom.
Balances come from your statements, every date is worked out at the amount you set, and you can download all your data or delete it on every tier.
You bring the statement and Lagom shows where it went, next to what you’d use instead.
A spreadsheet is honest and yours because you typed every line, and that is the cost: every line, every month, by hand. Drop in your statement instead: it lands sorted, the lines it wasn’t sure of wait for you, and a category you teach once sorts every visit after.
The bank app holds the record, but in the bank’s shorthand, one account at a time, with no month to read. Lagom shows plain names, every account on one page, and the month in full with the one thing that changed.
A dashboard updates while you sleep, until you’re reconnecting it, doubting its numbers and tinkering without changing anything. Lagom never connects to your bank, so nothing breaks, and looking ends in something to do: a charge to name, a subscription to cut.
A budgeting app is good, and asks for a method: every dollar a job, a reconcile ritual, a price that rises. Lagom has no budget to set up, nothing to reconcile because your statement states the balance, and a price said once and kept.
A CSV is a spreadsheet of a statement, laid out differently by every bank. QFX, or QBO, is the bank’s own record: it names the account, so your next statement lands with the first; states the balance, so nothing needs reconciling; and marks every line, so a statement brought twice lands once. What Lagom does with a statement →