A Simple Tool That Finally Gives You Control Over Your Finances

Although I don't like doing this, let me introduce you to my own tool and show you how it can help you get your finances under control. It was born for a very simple reason — after years of using Excel spreadsheets, I got a bit frustrated and wanted something that would do the work for me.

I tried a bunch of different apps. They were either unnecessarily complicated or didn't really solve anything — just a prettier Excel with a few extra charts.

So I said: "Ok, I'll make it myself." First just for me. Then I showed it to a few friends... and they all wanted the same thing.

And so this tool was born.

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What Does It Actually Do?

I believe that for most people, it covers everything essential needed for personal finance management:

1. Upload a bank statement / account statement
2. Automatically categorize payments and learn your preferences
3. Set up a budget that actually works for you
4. Have all accounts and investments in one place
5. Work with goals and stay motivated

1. Uploading Bank Statements

Getting started is completely simple.

You download a PDF statement from your online banking and upload it to the app. Done. If you pay a lot in cash, you can of course also enter payments manually, item by item.

Unfortunately, every bank has a slightly different statement format. If your bank doesn't work perfectly yet, I'd be very happy if you send me a sample statement and I'll integrate it.

Just please black out personal information. For the algorithm adjustment, 1-2 pages of payments is enough (even just a week, I don't need to know everything about you).

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2. Automatic Categorization

The goal was to make this more than just another manual Excel.

That's why the tool:

• automatically categorizes payments,
• gradually learns your behavior.

At the beginning, it handles the main and common merchants. But the magic is that when you spend 5 minutes the first month manually correcting a few payments, the tool remembers.

The next month:

• it knows where everything belongs,
• and does most of the work itself.

3. Setting Up Your Budget

This is where we get to the heart of it.

Before this step, I recommend reading the article:

• How to Take Control of Your Finances

Once you upload your statement:

• the system prepares everything in the background,
• you just enter a few numbers,
• and the budget is ready.

You can:

• set the budget month by month,
• or set it once and just fine-tune it later.

Once payments are uploaded, you immediately see reality:

• where you're fine,
• where something is approaching the limit,
• where you've overdone it a bit.

When some category is suspiciously low or high, you simply click through and see why. Sometimes it's just wrong categorization. Other times it's a small but needed reality check.

And that's exactly the moment when the tool has the most value — you know about a problem in time.

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4. Accounts and Investments

If you're like me and have:

• a checking account,
• a savings account,
• a retirement account,
• investments,
• maybe crypto...

...then you're probably annoyed that you don't have everything clearly in one place.

That's why there's a simple concept:

Monthly "Snapshot"

Once a month, you record the balance of all accounts and investments. This way:

• you see the complete picture,
• you track whether you're actually getting closer to your goal.

It's not just about history. The main point is motivation.

That's why you'll also find a prediction of future development — I recommend playing with it for a while.

Honestly: when you see this at least once a week, it's much easier to say "no" to unnecessary expenses.

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General Overview - Dashboard

The Dashboard shows you the most important information clearly in one place.

I'm deliberately not showing it here — I'll let you try it yourself.

And if something is missing: let me know.

Conclusion

Getting your finances under control isn't complicated when you have the right tool. This one was born from real need, not as a marketing project.

I'd be very happy to receive:

• feedback,
• ideas for improvement,
• or just your opinion.

Write to vymerd@gmail.com and help me keep fine-tuning this tool so it fits you as well as possible.