Quiet Money is the calm personal-finance app that helps you budget, crush debt and finally save — with a private AI coach in your corner. No shame. No spreadsheets. No selling your data.
Mint shut down. YNAB costs €100 a year and feels like homework. The rest are built for one country, one currency, and quietly sell what they learn about you. Here's what people kept asking for — and what we built.
Your budget talks to your debts. Your debts talk to your savings. And ALEX watches the whole picture so you don't have to.
Powered by Claude, ALEX reads your real numbers and tells you the single best move this week — pay down a debt, top up a vault, or just breathe. Proactive, kind, and one tap to act.
List your debts, attack the smallest first, and watch the progress bars fill. The method that's psychologically proven to keep you going — built right in.
Visual jars for every goal — emergency fund, a trip, a deposit. Watching one fill up is, honestly, addictive.
Real bank connections across Europe via GoCardless. Nine languages out of the box. Built for life outside the US.
Budget with a partner or roommate — shared goals, private balances.
30 prompts to fix the why behind your spending, not just the what.
Bank-grade encryption. We never sell your data — that's the whole point.
Move the sliders. This is the same math that runs inside the app — and a taste of how ALEX thinks.
Set aside €120 a month and you'll hit €1,000 by spring. Want me to remind you every payday?
Most apps hand you a dashboard and walk away. ALEX actually answers — in plain language, with the context of your budget, debts and goals. Stuck, anxious, or just curious? Ask anything.
You're not "bad with money." Most people were never taught a system — so we built one that's calm enough to actually stick with.
The debt snowball works because momentum is motivating. Clear the smallest balance first, watch the bars fill, and keep going.
Money apps shouldn't assume you live in the US. Quiet Money speaks 9 languages, any currency, and connects to real EU banks.
No €100 paywall. No selling your data to make up the difference. Cancel in two taps, keep your data.
Yes — the core app (budget, debts, savings vaults, journal, weekly check-in) is free forever, and you get 14 days of the ALEX coach to try. Pro unlocks unlimited coaching, automatic bank sync and household mode for a few euros a month. No card needed to start.
Never. That's the entire reason Quiet Money exists. Your data is encrypted, isolated per-user with row-level security, and is never sold, rented, or used to target ads. We make money from Pro subscriptions — not from you.
Yes — we use GoCardless for secure, read-only open-banking connections across Europe. Prefer to keep it manual? You can. Quiet Money works fully without ever linking an account.
Because it's built to be opened, not perfected. The weekly check-in takes five minutes, ALEX tells you the one thing to do next, and there's no shame when you slip. A simple system you actually use beats a perfect one you abandon.
Nine languages today — English, Dutch, French, German, Spanish, Italian, Portuguese, Polish and more — with any currency. Built for people the US-centric apps forgot.
It's a fast progressive web app — open it in any browser and "Add to Home Screen" for an app-like experience with offline support and push reminders. Nothing to download from a store.
Take fifteen quiet minutes. Get the full picture. Let ALEX show you the first move. It's free — and it might be the calmest your money has felt in years.
Get started — it's free No credit card · Your data stays yours · Cancel anytime
Quiet Money