| What it does | See what's safe to spend
| Challenges with photo proof, pre-written steps and a built-in comeback
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| Stage | Not given
| Startup
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| Founded | Not given
| 2026
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| Based in | NZ
| PL
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| Pricing model | Freemium
| Freemium
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| Pricing | Free to download and use; Premium from US$6.99 a month
| Free plan includes 5 personal challenges per month, 5 private challenges per month, 1 public challenge per month, 1 public with approval challenge per month, and 1 extra space. Premium plan costs $7.99 per month (or annual pricing available) and includes unlimited personal, private, and public chall
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| Key features | - Live safe-balance bar showing how far your balance sits from covering every upcoming bill
- Manual entry by design with no bank login or account details
- Bill tracker with reminders on important days
- Pay-cycle view showing income, bills and remaining balance
- Colour-coded calendar marking daily balance status
- Support for any recurrence pattern
- Savings goals including auto goals sized from expenses
- Built-in money tools on bills and paydays
| - Pre-written daily steps for every challenge
- Photo, text, or Apple Health proof verification
- Automatic comeback system after missed days
- 200+ ready-made challenges across multiple categories
- Personal, private, or public challenge visibility
- Offline functionality with sync
- Space profiles and social community
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| What makes it different | - No bank connection means it works the same in any country
- Projects balance forward day by day up to 30 years ahead
- Shows what's coming before a tight spot lands rather than after
- Minimal upkeep after setup—only need to keep balance current
- No spending history or transaction categorisation required
| - Pre-written daily steps eliminate decision fatigue and executive function burden
- Missing a day doesn't reset progress—you pick up where you stopped
- Proof-based accountability that creates genuine evidence, not just checkboxes
- Automatic health data verification eliminates manual proof entry
- Join anytime without waiting for a challenge start date
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| Free plan | Not given
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| Open source | Not given
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| Platforms | Not given
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| Public API | Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 6 ● no change since last check | 4 ● no change since last check |
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| Trust Flow (Majestic) | 16 | 0 |
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| Citation Flow (Majestic) | 23 | 0 |
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| Referring domains (Majestic) | 77 | 0 |
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HARDER