Know what your family earns, spends, and keeps
You do not need to own a single share to use this. Keep your household ledger for free, see exactly where each month goes, and let the Money Story explain it in plain English — with your opportunities ranked by dollar impact. Set the whole household up in about five minutes, then import a bank statement and watch it organise itself.
The intelligence suite
Import. Categorise. Link. Forecast.
One CSV in, and the whole household organises itself — every step on your device.
Import
Drop in a bank-statement CSV. Pulse Neuron reads every line and de-duplicates re-imports automatically.
Categorise
Every transaction gets the right category — and your saved rules keep future imports automatic.
Link
Lines connect themselves to the right bill, debt, or income, so everything stays reconciled.
Forecast
Bills project forward with live balances and low-balance warnings — and goals fund from real surplus.
The Money Story
On the Family Dashboard, your month becomes three plain-English lines: what your family earns, spends, and keeps. Below them, your opportunities — ranked, each with its dollar impact — and a timeline of the dates that matter.
- Earns, spends, keeps — in plain English, from your real transactions
- Ranked opportunities, each with the dollar impact of acting
- A timeline of the dates that matter: bills, renewals, goal milestones
- Updates itself with every statement you import
5-Minute Setup
A guided Household Setup wizard takes you from a blank app to an organised household in about five minutes — members, accounts, bills, and goals, one calm step at a time.
- Guided steps with sensible defaults — no blank-page moment
- About five minutes from empty to organised
- Skip, revisit, or refine any step later
- Every Family Finance view starts with a complete picture
Transactions
Import a bank-statement CSV and Pulse Neuron auto-categorises every line, links it to the right bill, debt, or income, and de-duplicates re-imports. The more you import, the smarter it gets.
- One-click CSV import with automatic categorisation
- Auto-links each line to bills, debts, and income
- Duplicate detection makes re-importing safe
- Learns your patterns over time — all on-device
Money Flow
A single hero view of your entire cash flow — where money came from, where it sits, and where it went — so the whole month makes sense in five seconds.
- Money In → Accounts → Money Out, at a glance
- Inflow sources and outflow destinations side by side
- Live account balances rolled in
- Compare periods to spot what changed
Spending Insights
A category breakdown, a 12-month trend, and your top merchants — the clear picture of habits you can actually act on.
- Category breakdown with a clear visual split
- Rolling 12-month spending trend
- Top merchants and month-over-month deltas
- Built straight from your imported transactions
Budgets
Set per-category caps with live variance, then let the intelligence panel split your spending into Essential, Lifestyle, and Waste-watch — and show the exact monthly amount you could redirect.
- Per-category envelopes with live variance
- Essential / Lifestyle / Waste-watch tiering
- “Money you could redirect” with debt/invest/goal impact
- Frames waste as opportunity — never nags about real bills
Savings Goals
Set a target and a date; Pulse Neuron shows the required monthly contribution, your progress, and whether you're on track against your real surplus — and ties straight into your Budgets.
- “$X by date Y” target and date trackers
- Required-monthly calculation and progress
- On-track / behind status against your real surplus
- Ties into Budgets so trimming waste funds the goal
Bill Calendar
A forward cash-flow forecast built from your real spending — with live account balances, automatic paid-reconciliation, and low-balance warnings before you run short. Prefer a nudge? Optional reminders — off by default — send one quiet digest the evening before bills are due.
- Forward bill forecast with live balance projection
- Low-balance warnings before you run short
- Automatic paid-reconciliation from transactions
- Learns recurring bills as you import
Net Worth Timeline
Watch your wealth journey unfold. An interactive chart of total assets, liabilities, and net worth with milestone markers and the long-term trend behind every number.
- Component-stacked assets, liabilities, and net worth
- Automatic snapshots — no manual entry
- Milestone markers and period-over-period growth
- Selectable time ranges to zoom the story
Milestones & Celebrations
The moment you clear a debt, fill your safety net, or cross a net-worth goal, Pulse Neuron marks it — dated, kept, and drawn only from your own recorded data. Rare and tasteful, never a gimmick.
- Debt-paid-off, safety-net-full, and net-worth milestones, detected automatically
- Each moment is dated and kept — a quiet record of real progress
- Only ever from your recorded data — never an estimate or a guess
- Surfaces on your Family Dashboard the moment it happens
Built to be trusted
Intelligence that earns your trust
Knows a quiet month from an empty app
Two-tier smart empty states: if something isn't set up yet, you get a friendly path to start; if it is and the month is simply quiet, it says exactly that. It never confuses the two.
Money math under test
3,700+ automated tests guard the engines behind every figure on these pages — categorisation, forecasts, budgets, and goals — so the numbers stay honest as the app grows.
Yours, and only yours
Statements, budgets, and goals stay encrypted on your device. Automatic safe backups survive an uninstall, and a one-file export moves everything to a new PC.
The complete picture
Everything else in your household toolkit
Tap any screen to view it full size in the gallery.
Family Dashboard
Combined net worth and wellness for every member.
Income & Expenses
Categorised income and spending with savings-rate analysis.
Debt Tracker
Payoff projections, extra-payment modelling, and a freedom date.
Smart Subscription Audit
Duplicates and overlaps flagged automatically — with the annual total you could reclaim.
Asset Tracker
Property, vehicles, and valuables folded into net worth.
Bank Accounts
Every account, balance, and import in one place — new entries in each account's own currency, and transfers landing instantly.
Review Queue
Inbox-style triage for anything uncategorised.
Categorisation Rules
Save a rule once; future imports tag themselves.
See where it goes — and where you could redirect it
Keeping the ledger is free — entering your own spending and triaging it in the Review Queue costs nothing, because a household ledger nobody maintains makes every other screen wrong. Pro is for when you want it done for you: importing statements, budgeting, and forecasting what is coming.
Free tier available. Pro subscription managed through the Microsoft Store.