Combined income3.100 €
Combined expenses1.850 €
Combined savings1.250 €
YNAB, Monarch, and Copilot charge $95–$199 a year and want access to your bank login. PARAPLANER costs $29.99 a year, works entirely on your own terms, and never asks for your bank password.
YNAB, Mint, and Monarch are great — just not built for you.
English or German interface only, and even when translation exists, it's language-only — no true RTL support.
No concept of remittances, recurring expenses the way we handle them, or the realities of living abroad.
A spreadsheet works, but you have to update it by hand every time — and after a week, it stops.
PARAPLANER is built by someone who lives the exact same problem.
From rent to charity, everything is sorted. Just add the expense, and the app shows you exactly where your money is going — no manual math.
Rent, subscriptions, salary — enter them once and toggle "repeats monthly." The app calculates them automatically every month going forward, and you can edit or stop them anytime.
A CSV file from your bank (N26, Revolut, or any European bank) — the app recognizes known merchants and suggests the right category. Review and confirm in a minute.
An apartment, a car, an emergency fund — enter the target amount and your monthly savings, and the app shows you a progress bar and an expected completion date, automatically.
When the numbers are clear, saving happens without effort.
Illustrative example — your results will vary based on your own income and expenses
We built PARAPLANER because we were tracking our own money in an Excel sheet every month, and giving up after two weeks. We tried the big apps, and none of them felt like they were made by people who'd faced the same problem. So we built this for ourselves first, and now we're sharing it with you.
No App Store, no heavy download — it opens like a real app on your phone.
Tap the link we'll send you, it opens in Safari or Chrome.
iPhone: Share button ↓ then Add to Home Screen. Android: an "Install" banner appears on its own.
It opens without the browser bar, just like any app you'd download from a store.
You don't need to sign up on the App Store or Google Play — the app runs directly from the link, always up to date on its own.
or €29.99/year — cancel anytime, no commitment
Yes, your data is stored encrypted and synced across only your own devices — no one else can access it.
No, the app runs directly from a link, and you add it to your home screen like any other app, no store required.
Yes, no commitment and no hidden terms — cancel in one tap, and you keep access until the end of your billing period.
Yes, it works on any phone with a modern browser — iPhone and Android alike.