Life
Adult money, made calm.
Every recurring bill, every savings goal, every family pool, in one calendar you actually open. You record what you did; the app turns it into budgets, forecasts, and patterns. Ten seconds a day. Two minutes a week. The clarity compounds.
Vision
You enter what you did, and we make the entering fast and the output brilliant. Recurring entries remember themselves. Common categories surface where you need them. Pools track who-owes-whom without you doing the math.
1. The moment of recording is the moment of awareness.
An auto-categorized transaction is information without weight. An expense you typed yourself is a small moment of noticing. Multiply that over a year and the difference is enormous.
2. The product gets better when the user can shape it.
Every household manages money differently. The app supports the simple one-account-three-categories case and the multi-currency, sub-accounted, pooled-with-the-family case, and the simple version doesn't make you look at the complex one.
3. Money is rarely solo.
You share expenses with a partner. You hand an allowance to your child. You split a holiday with friends. Life makes shared money a first-class concept, Pools, the Grows connection, currency-exchange entries, and keeps your private data private.
Bring your bank statement in
Paste or drop your CSV. We figure out the columns, flag what's odd in plain English, and remember the layout, next month's import is one click.
- No bank credentials. You keep them. We never touch your bank.
- Smart defaults. Currencies, account names, and categories pre-fill from your data.
- Mapping memory. Re-imports of the same export shape skip the column-mapping step.
- Plain-English errors. "Bad date" beats "parse error." Click any cell to fix.
How Life fits the family
Three apps. One account. One design language. Data that flows.
- Grows → Life. Your child uses Grows from age 5. When they're old enough, typically 18, sometimes earlier at your discretion, they graduate into Life. Their wallet balance, goals (active and archived), savings history, work history, and family connections all transfer. There's a 24-hour undo window in case something looks wrong.
- Life ↔ Grows (while the child is still in Grows). Allowance, gifts, savings agreements, loan requests, every parent action your child sees in Grows is handled in Life. Multiple guardians can be linked to the same child; each sees what they sent and what's still pending.
- Business ↔ Life. If you also run a small business, Business is the separate app for the books. Money that's actually yours, a draw, an invoice paid into your personal account, a reimbursement, can be marked as personal income directly from Business and appears in Life as a record with the right category set. The transfer of cash happens in your bank; the matching records flow between the apps.
- Pools across all of it. Shared expenses with a partner, splits with friends, the family holiday fund, Pools track them with running balances, contribution history, and a clear view of who owes whom.
- One sign-in. Sign in once. Switch between apps from the sidebar. Auth doesn't break between them.
The everyday case is one tap. After the first week, most people stop thinking about which app is which.
What's in the app
- Accounts. Cash, bank, credit cards, foreign-currency accounts, and tax-advantaged savings vehicles, each in its own currency.
- Expenses, income, transfers. Three lists. Each with its own recurring entries and summary view.
- Budgets. Caps per category, monthly / yearly / custom ranges. Foreign-currency spending tracks independently.
- Forecast. Projects the next several months of cashflow from your recurring entries.
- Financial Assets - Net. Assets minus liabilities, across every currency, with snapshot history.
- Calendar. Every recurring entry, every reminder, every transfer, on a month grid that shows the shape of the month at a glance.
More features
- Categories you control. Sensible defaults; edit or add your own.
- Habits. Track recurring routines and the spending behind them.
- Pools. Shared money with a partner or friends, splits, balances, contribution history.
- Inbox. Invitations from friends, family, co-owned businesses, guardian links, accept or decline in one place.
- Currency Exchange. Record FX trades with rate and fees so the math stays clean.
- Goals. Money you're saving toward something specific, with progress and timelines.
- Work & Education. Track jobs (pay, hours, milestones) and learning.
- Realized profit. Annual realized and real (inflation-adjusted) profit across all your portfolios.
- Children. Guardian view of any kids in Grows.
- Personalization. Hide widgets, pin pages, reorder the sidebar, set your default currency.
What's intentionally not in the app: bank account connections, ads, in-app purchases, social feeds, investment advice, hallucinated "insights," and any data-sharing with third parties.
How a typical month looks
Day 1 of the month.
Salary lands in real life. The recurring income entry prompts you, one tap to confirm. Rent is due, one tap. Gym membership on auto-pay, one tap. You're set up for the month.
Through the month.
You log expenses as they happen. Coffee on the way to work, parking, groceries. Each entry is ten or twenty seconds. A side-gig payment arrives, log it. Currency stays right because each account knows its own.
Mid-month.
Budgets page. Groceries is 60% used with two weeks to go, fine. Eating out is 95% used with two weeks to go, not fine. You see it, you decide what to do. That's the lever.
End of month.
Financial Assets - Net page, the number moved. Forecast page, how does next month look with the recurring entries you have? Adjust if needed.
Across the year.
Summaries by category and source. Patterns become visible. Some recurring entries get closed because they no longer make sense. Some budgets get reset because last year's numbers were unrealistic. The view sharpens as the data accumulates.
Ten to thirty seconds a day. Two minutes a week. An hour a year. The clarity compounds.
Who uses Life
A few real households we built for. Tap any name to see how the app fits their month.
👨👩👧👦 The Levy family, two parents, two kids, one shared pool
The setup. Joint checking, two personal accounts, a shared vacation pool with another family. Maya, 7, and Yoav, 13, on Grows.
- Weekly: the recurring allowance entry appears in each kid's Grows wallet, parents confirm once the actual cash has been handed over. ₪10 to Maya, ₪40 to Yoav.
- Money requests: the kid asks, a parent confirms. Life debits, Grows credits, both ledgers stay clean.
- Vacation pool: a Galilee weekend with Yael's sister's family. Pool auto-tracks who paid for what; they settle by Bit on the way home.
- One calendar: recurring bills, both kids' birthdays in June, payday on the 5th, all on one month grid.
"The shared calendar is the page I open the most. It's the only place where 'pay rent on the 1st' and 'Yoav's birthday on the 14th' live next to each other." Yael & Tom Levy, Jerusalem
👴 Eliezer, retired, three pensions, four grandkids
The setup. Three pension streams (Bituach Leumi + two private), a modest USD ETF portfolio with quarterly dividends, one credit card, four grandchildren. The point isn't growing it, it's not losing track of it.
- Pension entries auto-suggest: all three set up as recurring inflows that prompt for one-tap confirmation. He cross-checks once a quarter that the records match what the bank actually deposited.
- Simple categories: six categories, not sixty. Groceries, utilities, restaurants, gifts, healthcare, other. Enough to stay aware.
- USD dividends: Currency Exchange logs each conversion at the real broker rate, fees captured, so he knows the net.
- Grandkid calendar: four birthdays + two holidays = six recurring gift events a year. He never wants to be the grandparent who forgot.
"I just want to know nothing's drifting silently. The app is where my pensions, dividends, and grandkid gifts all live next to each other." Eliezer, Ramat Gan
💍 Newly-married couple, two histories merging
The setup. Two personal accounts that stay personal. One joint account for shared rent + bills. A "first apartment" pool that parents contributed to as a wedding gift. F&F connections to both sets of in-laws.
- What's mine stays mine: personal expenses and income on each person's own account. Nothing leaks.
- What's ours is shared: joint checking is tracked once by either party; both ledgers see every transaction.
- The apartment pool: both sets of parents contributed; everyone with F&F access sees the running balance and where it's going.
- Forecast: "can we afford the new sofa next month?" answered in five seconds, not three arguments.
🌍 Digital nomad / oleh chadash, two currencies, one ledger
The setup. Income still in USD/EUR from clients abroad, daily expenses now in ILS, accounts in two countries, FX exposure that matters every month.
- Side-by-side currencies: each account holds its own. Budgets and totals never force-convert.
- Currency Exchange: every USD → ILS conversion logged with rate and fees, so the real net is visible.
- Forecast in display currency: next 30 days projected to ILS at current rates, the "do I need to convert now or wait?" question.
- Tax-vehicle structures: Keren Hishtalmut, pension, and Israeli bank accounts modeled as sub-accounts inside one place.
Frequently asked questions
Does it connect to my bank?
No. We don't connect to banks, credit cards, or any aggregator. You record entries yourself. This is intentional, see the vision section. If automatic bank import is the deal-breaker for you, Life isn't the right fit.
Is it free?
Free during soft launch. Eventually there will be a paid tier, transparent pricing, no asterisks, well before the change. No ads, no data sales, ever.
What currencies does it support?
Any currency, side by side. Set each account to its own currency. The app doesn't force-convert; each currency tracks its own budgets, totals, and forecasts. Currency Exchange records rate and fees when you move between them, so reconciliation stays clean.
What languages?
English and Hebrew, with RTL support throughout. Hebrew is shipping in stages, the core interface is bilingual already; some newer surfaces are queued for a native review.
Is my data safe?
Your data lives in your account on Google Firebase, encrypted in transit and at rest. Nightly backups with 7-day retention plus weekly backups with 98-day retention. No third party sees your data for any reason. If you delete your account, it's gone.
Can my partner see my data?
Only what you choose to share. Pools and shared events are the shared surfaces. Your personal expenses and income stay yours unless you explicitly bring them into a Pool.
What's the connection to Grows?
If you have a child in Grows, you're set up as a guardian in Life. You see their wallet record, accept their savings agreements, log transfers that appear in their app, and approve loan requests. Multi-guardian supported, both parents, a grandparent, whoever you've added. (You're recording the money you hand over, not moving it through the app.)
Coming soon
Plans
Start free, for as long as you like. Move to Pro when you want the calendar, planning and forecasts. Prices come later, and we'll always tell you well before anything changes.
- Income, expenses and transfers
- Unlimited family & friends connections
- Join shared pools
- Recipients
- Work & Education
- Guardian access to your kids in Grows
- The Calendar
- The Plan: goals, budgets, habits & tasks
- Forecasts
- Long-term savings
- Create your own shared pools
No ads, no data sales, ever. Free during the soft launch.
Request access for Life
Invite-only soft launch. If the third path, record what you did, fast, sounds like what you've been wanting from a finance app, we'd like to hear from you.