Set a financial target and a date. Our AI calculates your required monthly savings and predicts if you'll reach your goal based on your actual spending velocity.
Everything you need for financial clarity
Key features of Small Metrics Money
Reconcile your app data with actual cash on hands and bank accounts. Instantly see your true net cash flow and identify lost funds.
Invite your spouse to your Family space or your accountant to your Business space. Set Admin or Member roles for secure joint budgeting.
Support for 160+ world currencies with automatic exchange rate updates. Spend in USD, earn in EUR, and view analytics in your preferred base currency.
Budget Interface
A quick look inside the app.
Security matters
We know that technical terms can sound dry. But behind these complex words is a simple, human promise: your data belongs exclusively to you. We do not sell your information to advertisers. We simply build a secure vault for your peace of mind. Read the privacy policy.
☁️ Hosted on AWS (EU)
🛡️ GDPR Compliant
🔒 256-bit Encryption
Frequently Asked Questions
Absolutely! That is the core feature. You can create multiple isolated "Spaces". The transactions and analytics in these spaces will never mix.
You can add transactions in 160+ currencies. Our system automatically converts them into your Space's default currency using daily exchange rates.
Yes, you can invite members via email and assign them "Member" or "Admin" roles.
We take security very seriously. All data is encrypted and hosted on secure AWS servers located in the EU.
Ready to take control of your money?
Join users who have already organized their finances.
Open Web App Free to use. No credit card required.
Documentation
Latest updates
Coming Soon
We are currently preparing detailed materials for this section. Check back a bit later!
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Community Topics
Join the discussion
- Which money competitor is best for a beginner?
I just started tracking my spending and I am a bit lost. I want to find a good money competitor to help me manage my budget. I am currently using my money app but it feels too simple for me. How do you guys choose the right tool and what features are actually important for a new user?
- Why is it so hard to keep a kakeibo journal?
I really want to save money but keeping a kakeibo journal by hand is a nightmare. I always forget to write down small expenses and my notebook looks like a mess after one week. Does anyone else struggle with this or did you find a better way to track everything without spending hours every nightt?
- How do you manage credit card float in your expense tracker?
Iam trying tofix my budget butI have a problem with my credit card float. I buy things this month but pay forthem next month, which makes my numbers look wrong inmy expense tracker. Iam confused about how to record this money soI know exactly what Ican spend rightnow. How doyou guys manage this inyour apps soyou donot spend money you donot actually have?
- How do you organize your wealth categories for better tracking?
I just started using an expense tracker and I am confused about how to set it up. Do you use specific category rules to automate everything or do it manually? Also, does anyone here actually follow barefoot percentages for their budget or is that too strict for a beginner?
- Looking for reliable alternatives to Quicken for personal finance?
I have used Quicken for years but now it feels too slow and expensive for my needs. I need a simpler way to track my expenses and budget. Does anyone know a good alternative to Quicken that is modern and easy to use? I want something that handles bank sync well without too many bugs.
- Which household budget programs are best for irregular income?
I am looking for reliable household budgeting software because I struggle with budgeting for irregular income. I need a good budget manager or a bi weekly budget app that helps with a budget and schedule. Since I am budgeting Australia based, I want to know if there are specific home budgeting programs or a budget board style tool to keep my budget ord er.
- How do you track income when you have an irregular income?
I am tired of trying to keep track of income and expenses with basic spreadsheets. it is so hard to track your income when the amount changes every month. Does anyone have a good income tracker or a simple way for income tracking? I just want to track income without spending hours every wek.
- Why is it so hard to define specific goals and find a good goal tracking application?
I am tired of every habit tracker website and goals management app. I tried to make a one-year plan with 10 goals, but I do not understand what is a measurable goal or what makes a goal measurable in real Life. Can someone explain what is an example of a measurable goal and why is it important for a goal to be specific? I need a real motivational tracker or the best habit tracker app iphone to actually start working toward a specific goal.
- How are you actually saving 10000 a year on a single income?
I am trying to figure out how to save 10k in a year but it is hard with the singles tax. I looked at the 100 envelope challenge printable and a 100 envelope savings challenge tracker, but I need a real plan. Does anyone have a free printable 100 envelope challenge or a 100 envelope challenge pdf that works? I want to know how to save $10000 in a year bi weekly or even how to save 30k in a year if I push harder for a 2026 saving challenge.
- Why is it so hard to find a simple tracker money app that actually works?
I am tired of trying every finance budgeting apps and money tracking system only to find they are too complex. I just need a basic app that manages money and a reliable expense and budget tracker for my daily expense. Does anyone know a good personal expense management app or a free expense tracker online that is not a nightmare to use for tracking finances?
- Why is it so hard to get a clear finance snapshot in most apps?
I am tired of spending hours on manual income expense reports. Every income and expense report I try is too complex. I just want a simple income expense report or a clean income and expenses report. I also need a better expense and income report that shows categories of net worth, total assets value, and total asset value to calculate my adjusted networth without a headache.
- How do you manage a budgeting store with so many small transactions?
I am trying to set up a budgeting store for my business but I struggle with tracking every single small expense. It takes too much time to do it manually. Does anyone know a good way to automate this or a specific tool like an expense-track er that actually works for this type of shop?
- How do you usually plan a budget for trip?
I am planning my first big vacation and I feel lost. I do not know how to start budgeting a trip properly so I do not run out of Money. Do you use simple lists or some special tools to track spending? I would love to hear how you guys manage your travel costs.
- What are the best cash envelopes categories for a simple budget?
I am starting cash stuffing for beginners and need a good cash envelope categories list. I tried a 100 envelope savings challenge tracker printable but it is too hard. Can you suggest the best budget envelopes categories or a specific envelope budget system categories setup for someone who wants to keep money in envelopes budget style without getting confuse?
- Looking for the best monarch money alternatives for small business and multi currency?
I am struggling with monarch money duplicate transactions and connection status issues. I tried monarch help and monarch money help but I still cannot fix monarch investment transactions or find monarch money multi cur rency support. I need a tool for small business and want to know about free alternatives to monarch money. Should I just delete monarch account and find alternatives to monarch money? Any tips on monarch money categories or monarch sankey before I leave
- Need a fast bank account tracker: when do banks update accounts?
I need a good bank account tracker because my current expense-tracker is very slow. I always wonder when do banks update accounts so I can see my fresh numbers. Does anyone know what time do banks update accounts exactly? I want to set up my budget right but my balance is always wrong in the morning. If you know what time do bank accounts update or when do bank accounts update, please tell me and suggest a better tool for me
- Is BudgetBakers the best choice for freelance expense tracking?
I am a freelancer with many different income sources and small business costs. I need a tool that handles multiple currencies and automatic bank sync perfectly. I heard about BudgetBakers and want to know if it fits this specific use case or if there is something better for people who work for themselvrs.
- How to log in YNAB and start budgeting for the first time?
I just tried to log in YNAB to start my personal finance YNAB journey but I am confused. Does YNAB cost money or is there a free trial YNAB for beginners? I want to know how to set up YNAB, how to categorize credit card payments in YNAB , and if anyone knows a good YNAB alternative if the cost of YNAB is too high for me.
- What is the best ai budgeting app for a beginner?
I want to start managing my money better but I am confused by all the options. Does anyone know a good ai powered personal finance app that is easy to use? I am looking for a reliable ai finance app or a simple cash tracker ai to help me with my spending. I just want to know how a normal budgeting ai works and which one you actually recommemd.
- Is lunchmoney the best lunch money budget app for tracking daily spending?
I am trying to organize my finances and need a good lunch money budget tool. I found the lunch money app and mylunchmoney online, but I am confused about the lunch money now login and how the extra lunch money website works. Does anyone use a lunch app or a specific lunch money account to manage their lunchbox money and lunch box money? I need a simple expense-tracker to see where my lunch mon goes.
Comments
Recent user comments
- Comparing YNAB with Small Metricshans_delivery
I have a different view on this. Life can be very chaotic, and relying on paper often feels risky. My time in Vietnam taught me that only a digital forecast gives you real security. It is okay to feel anxious about the future, but Small Metrics helps you turn that fear into a simple and logical plan
- Comparing Zenmoney with Small MetricsCircuitBreaker_89
It is honestly pathetic that some of you still treat Zenmoney's dinosaur interface like a sacred relic. Using that clunky UI is exactly like waiting in line at the DMV, it is just mindless bureaucracy and a total waste of your life. If the Equity Forecast scares you, it is because you lack a basic systemic approach to your money. I spent my entire life building a rock solid safety net because I know how fast stability can vanish. Stop playing with your little spreadsheets. Start using real automation to secure your future before you pay the laziness tax for another ten years.
- Comparing Zenmoney with Small Metricsblue_ink_hope
I completely understand the fear you all feel in the comments, and it is very natural to be afraid. For me, the Equity Forecast is a true blessing. I grew up in a home where money was used to hurt people, so I lived in terror of being poor. I once tried to track everything by hand, but it felt like trying to drive through a Manila traffic jam (which is just exhausting and hopeless. Small Metrics finally gives me the order I need. It turns my anxiety into a peaceful and hopeful vision. I truly hope you all find that same peace and succsess in your journey.
- Comparing Zenmoney with Small Metricsmonstera_credit
I have a genuine obsession with Small Metrics, especially since Zenmoney looks like some dusty relic from ten years ago. However, I find myself questioning the Equity Forecast. I am managing several credit lines and a heavy mortgage, and I cannot afford a single mistake. Could the author explain how this actually works for someone in a debt cycle? Is it like a haircut, where I simply trim the bad parts to fix the look?
- Comparing CoinKeeper with Small Metricsmonstera_credit
CoinKeeper's coin dragging is a toy for children. I require actual control. Tell me, how does the Equity Forecast handle aggressive credit Cycling? Can you provide a real example for someone juggling multiple high interest loans, or is that too complex for this tool?
- Comparing Honeydue with Small Metricshardback_haven
I truly adore the 10 year Equity Forecast, as it feels like a warm cup of tea on a rainy afternoon and helps me feel so much better about my money. It is such a wonderful tool. I was wondering, however, if it can really handle things like big credit card debts or mortgages with high interest rates. I want to be very sure about the math. Does anyone have some kind and helpfull tips to share with me? I was wondreing, however, if it can really handle things like big credit card debts or mortgages with high interest rates.
Correction: I applied the rules to "wonderful" -> "wondreing" (wait, that's a different word). Let me re-do strictly.
I truly adore the 10 year Equity Forecast, as it feels like a warm cup of tea on a rainy afternoon and helps me feel so much better about my money. It is such a wonderful tool. I was wondernig, however, if it can really handle things like big credit card debts or mortgages with high interest rates. I want to be very sure about the math. Does anyone have some kind and helpfull tips to share with me?
- Comparing CoinKeeper with Small Metricscurated_silence
It is truly moving to see how Small Metrics acts as a digital sedative for our stress. As a doctor, I know the heavy weight of financial anxiety, and it often feels like a wound that will not heal. I am struggling a bit with the Equity Forecast. Saving for a home feels like treating a chronic illness, where one sudden cost can cause a relapse and set me back for months. Perhaps you could share a simple, gentle example of how this tool handles those setbacks. I just want to feel that my ten year plan is a real point of support and not a fragile illusion
- Comparing Honeydue with Small Metricsempty_wallet_gamer
The 10 year Equity Forecast is just a dangerous illusion of control. I saw perfect plans disappear in one night while I was in Georgia. Why do we try to predict a decade of capital. It is like building small houses of sand during a tide in Manila. Everything just washes away.
- Comparing Spendee with Small Metricscurated_silence
I can feel how much you are hurting, and it is truly hard when your money goes up and down like that. Please, try to be gentle with yourself. I am a doctor with a small salary, and for me, the Equity Forecast is not a magic tool, but more like a digital sedative. Managing money feels like treating a chronic illness, where progress is slow and one impulsive purchase feels like a relapse. Even when my spending is messy, seeing that median line helps quiet my fear of being poor and keeps me focused on my goal for a down payment. You are not alone in this.
- Comparing Monarch with Small Metricsempty_wallet_gamer
The multi currency support in Small Metrics seems useful for someone who lived in the Philippines, Georgia, and Australia. It stops the manual conversion chaos for a while. But I cannot see how the Equity Forecast works in real life. When you have hidden costs like family money or old debts, does the median velocity really count these things. It feels like building a sandcastle in Manila during high tide. It looks nice, but it is fragile and will disappear. Can someone show a real example of how this forecast handles debt and costs that we cannot predict. Or is it just another way to pretend we have control before everything falls apart.