2026-07-2611 min read
A next-generation personal finance app
Budget withoutguessing.
Know what you can safely spend today - no complicated spreadsheets and no bank login. A simple app that stays with you.
- Free plan forever
- 100% data privacy
- Web and mobile
Change how you approach your budget
Either you control your money, or your money controls you.
Three everyday situations you already know - and the calm you get from YMH right away.
Situation 01
Your balance only shows now
YMH effect
You know exactly how much to spend today to last until payday.You know exactly how much you can safely spend today and still make it to payday without stress.
Situation 02
Small spends do not make noise
YMH effect
You see in black and white where the money goes.You see in black and white where money leaks - before the balance unexpectedly hits zero.
Situation 03
A spreadsheet shows the problem after the fact
YMH effect
You plan ahead in real time.You plan ahead in real time instead of putting out financial fires after the fact.
No spreadsheets, no complicated rules. Just clarity for every day.
Join people trying YMHFinancial mission coach
Pick a mission - YMH will guide you to the goal
This is not a regular expense tracker. YMH works like a personal finance coach: it helps you set a goal, tracks progress, and shows the next step.
- Emergency fund
Emergency fund
Emergency fund
Goal: 18,000 PLN - 68%Goal: 18,000 PLN - 68% reached
- Debt free
Debt free
Pay off debts
Snowball - 2 leftSnowball method - 2 payments left
- Big goal
Big goal
Big financial goal
Down payment (45k PLN)Stage 2/4: Down payment (45,000 PLN)
- Bills & subs
Bills & subs
Bills and subscriptions
3 payments this weekThis week: 3 payments (640 PLN)
- Wealth building
Wealth building
Build wealth
Auto-save: 15%Auto-save: 15% of income
- Baby steps
Baby steps
Guide me step by step
Step 1: ReviewStep 1: Habit review (started)
Open world - light budget
Do not want a rigid mission? Stay in free mode.
Key YMH capabilities
A budget that helps with everyday decisions
Calm instead of payday stress. Three pillars that change how you manage money from day one.
- Pulse
Pulse
One truth about your moneyOne clear truth about your money
Budget, fixed costs, and free-to-spend in one view.Budget, fixed costs, and safe-to-spend in one readable view. No tab-hopping and no guessing.
- Cashflow
Cashflow
No more surprisesNo more surprises on the way
Balance forecast 30 days ahead.See exactly what will be left in a week or two. No bill or instalment catches you at the till.
- Sync
Sync
Works where you doYour budget works where you do
Quick entry on your phone.Add an expense in 3 seconds on your phone, plan the month on desktop.
Key features
Control where money most often slips away
- Full limit control
Monthly budget
Know what you can spend
- Forecast up to 30 days
Cashflow
Look a few steps ahead
- Payment reminders
Recurring payments
Stop losing fixed costs
- Visual milestones
Savings goals
Save with a clear plan
The app interface in action
See the app in action
Budget, cashflow, goals, and reports - the same calm and clarity on phone and web.
Mode 1: flexible daily budget
Free-to-spend for each dayA free-to-spend amount calculated for every day
Fixed bills reserved. The rest split across days to payday.YMH subtracts fixed bills from income and splits the rest across the days until payday. No grinding through every grosz.
Questions and answers
Common questionsCommon questions. Short answers.
Do I need to connect a bank?
No. You enter data by hand in 3 seconds.
Is the app free?
Yes, the Freemium plan is free.
Where is my data?
AWS Frankfurt (Germany), GDPR-aligned.
Blog and education
Budgeting knowledge without guesswork
Practical articles on planning money, envelopes, and control - without forcing a bank connection.
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The liquidity trap: how to protect real capital in a higher-for-longer era
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