An app, on the way.

A budgeting tool to sit alongside the publication — quiet, private, in development. A separate product from the publication you’re reading, with its own domain, its own auth, and its own privacy boundary.

What it’ll do

Connect to your bank accounts, see where your money actually goes, and set quiet limits without the gamification. The kind of tool a careful adult would want and can’t currently buy: useful spending categories, a real net-worth view, no streaks, no achievement badges, no nudges to buy products we get a cut of.

The app will be a separate product from the publication — its own auth, its own privacy boundary. The publication you’re reading now stays on this site, on a separate database.

What it won’t do

• No advertising. Not in-app, not in email, not anywhere.
• No selling your data. Transaction history is the most sensitive money data there is. We treat it that way.
• No affiliate cards or loansdressed up as “recommendations.”
• No surprise upsells.Whatever the model ends up looking like, it’ll be transparent — no bait-and-switch, no features held hostage behind tiers.
• No streaks, badges, or guilt-trip notifications. The app is a tool, not a game.

When

Soon. We aren’t announcing a date yet — we’d rather ship a good thing late than a rushed thing on time. Check back here, or read on in the meantime.

Looking for something to read in the meantime? Start with What a credit score actually measures or browse the glossary.