Everything in The Better Decision

Budgeting and cash-flow forecasting in one calm app, EU-hosted, for normal people. Here is what it does today.

See clearly

  • Auto-categorization that learns from your edits.
  • Import CSV or OFX from your bank, with a preview before anything is written.
  • Reports that group spending by category.

Plan what is coming

  • Forecast plans with what-if scenarios and a projected end-of-month balance.
  • Recurring income and bills that roll forward automatically.
  • Category budgets for the current period.

Together, if you want

  • One organization, multiple people, clear roles and boundaries.

Yours

  • EU-hosted and processed under EU law.
  • Export your data anytime. It is never sold and never used to train AI.
  • Delete your account, and your data, in one click.

AI on your terms

  • Suggest a category, refine a forecast with seasonal patterns, or rebalance a budget. You accept or reject every suggestion before anything is saved.
  • Bring your own OpenAI or Anthropic key, or run it entirely locally with Ollama.
  • Hard and soft spend caps, plus a full audit trail of every call.

On the roadmap

Not built yet, but coming

  • Connect your finances to your own AI assistant over MCP, with every change confirmed before it runs.
  • A hosted AI option, opt-in and consent-gated, as an alternative to your own key.

Wondering how it stacks up? Compare The Better Decision with YNAB, PocketSmith, Monarch, and spreadsheets.