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Endute is a personal finance app for people who want to plan their money deliberately, not just watch it. It brings every account into one place: current accounts, savings, credit cards, loans, investments and the things you own, across currencies, with the history to back it up. Bank and brokerage connections are read-only and run through regulated open banking in the UK, Ireland and the EU, with coverage in the US and Canada. Where a bank cannot be connected, transactions can be imported from CSV or QIF files. Every transaction is reviewed before it reaches your books, with merchant names and categories suggested for you, transfers between your own accounts recognised, and rules you set to handle what repeats. Budgeting is built around categories you shape yourself, with rollover from month to month, a planner for the months ahead, and a clear split between needs and wants. Scheduled transactions and loan repayments are tracked against what the bank shows, so a bill that is coming is never a surprise, and recurring bills and subscriptions are shown inside the full picture of your spending rather than as a list on their own. Net worth is tracked across everything you hold: cash, investments, property and other assets, and the loans against them, with the history to see how it has moved. Investments are synced read-only from your brokerages or entered by hand, with holdings, dividends, cost basis, and time-weighted and money-weighted returns against a benchmark. Multi-currency is supported throughout, with reporting in the currency you choose. For longer horizons there are goals, a debt payoff tracker, and FIRE planning built around the phases of your life, from the savings rate you have today to the income you want later. Reports cover income and expenses, cash flow, spending by category, payee and tag, and a cash flow forecast, and every figure can be drilled into down to the single transaction. Endute is paid for by its users and nothing else. There is no free tier, no advertising, and your data is never sold or shared. A 37-day trial needs no card. It runs on the web and on iOS and Android, from one subscription, and the help centre at endute.com covers every feature in detail. Endute is built in the UK by Elision Ltd.Mehr ansehen