A calmer personal finance tool

Your money tells a story. This helps you see it.

Understand what changed, remember the life behind your spending, and explore what may be possible next.

Join the waitlist See how it works

Early version · Built for the Netherlands · No bank connection required

Moments Behind Money Your year in context

October 2025 – March 2026

Income Spending

Swipe the chart sideways →

Not another way to track every euro. A different way to see the life behind it.

The idea

Every month has a little plot twist.

The app notices what changed. You add the part only you know: the move, the celebration, the stressful week, or the trip behind the numbers.

1

Upload a bank export

Start with a CSV file. No permanent bank connection is required.

2

See what stood out

Notice monthly shifts, unusual purchases, and patterns across the year.

3

Add the moment behind it

Turn a spike into context instead of another number to judge.

November

Shopping was higher than usual

Most of the increase came from IKEA and home purchases.

Your contextI moved into a new apartment“November is no longer the month I overspent. It is the month I moved.”
                            

What the app remembers

A temporary life event, not a repeated habit

Your future insights can now use that context instead of treating the month as random overspending.

Explore what comes next

Ask questions about your actual life.

Go beyond generic financial advice. Ask what changed, whether a plan may be affordable, or what could move you closer to it.

Follow the project Get early access

M

Moments Behind Money Answers from your financial story

Why did December jump so much?

Mostly your housewarming: groceries, hosting, and home purchases. The increase came from a life event, not one repeated habit.

Can I still afford a €3,000 city break?

Current saving paceJuly

With €120 extra monthlyMay

Based on your recent rhythm, the trip looks possible without using your safety net.

Private by design

Your finances are personal. They should stay that way.

Moments Behind Money is being built around manual uploads, local-first storage, and giving you control over what stays and what gets deleted.

⇧ Manual upload

Use a CSV export. No continuous bank connection is needed.

⌂ Local-first

Your financial history is designed to remain on your device.

× Delete anytime

Remove your uploaded data when you no longer want it in the app.

○ No profiling

No ads and no selling your financial information.

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