Know what your family earns, spends, and keeps
You do not need to own a single share to use this. The entire family-finance suite is free — statement import, budgets, bill forecasts, debt tracking, the net-worth timeline, all of it, for unlimited family members. Household finance runs on your device and costs nothing to serve, so we do not charge for it. Set up in about five minutes, then import a bank statement and watch it organise itself.
The intelligence suite
Import. Categorise. Link. Forecast.
One statement in, and the whole household organises itself — every step on your device, and every step free.
Import
Drop in a bank statement — CSV, OFX, or QIF. 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 — so you see a short month before it arrives.
Pay down or invest?
Everyone has this argument with themselves. Paying a debt down returns its interest rate — with certainty, and untaxed. So rather than a projection built on a return nobody can promise, you get the one number that decides it: what an investment would have to earn, after tax, to be worth more. Whether it beats that is your call.
- A break-even rate, never a recommendation — the arithmetic is shown, not hidden
- After tax, and aware of where you live: AU, US, UK, CA + Europe
- The pre-tax equivalent for each way a return arrives — held, realised, or paid as dividends
- It flags the better question: a card costing more, or a safety net that would not cover a month
Where your money is
Every account, card and debt on one axis, ranked by the rate it earns or costs. Cash sitting at no recorded rate lands below a mortgage — and the gap between those two rows is what a dollar moved between them is worth each year, stated in dollars rather than left for you to work out.
- One rate axis for savings, offsets, cards, loans and the mortgage
- The annual dollar effect of each rung, not just a percentage
- Your investments sit at the bottom with no rate at all — theirs is the one nobody knows in advance
- Anything without a recorded rate says so, rather than being assumed to be zero
The Money Story
On the Family Dashboard, your month becomes three plain-English lines: what your family earns, spends, and keeps — measured from the transactions you actually recorded, so it describes the month you really had rather than the one you planned. Below them, your opportunities — ranked, each with its dollar impact — and a timeline of the dates that matter.
- Earns, spends, keeps — measured from your own transactions, and it says so
- Where what you spent differs from what you budgeted, both are shown
- 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, and bills, one calm step at a time. Add as many family members as your household has: there is no member cap, on any plan.
- Guided steps with sensible defaults — no blank-page moment
- About five minutes from empty to organised
- Unlimited family members — everyone counted in every household total
- Skip, revisit, or refine any step later
Transactions
Import a bank statement — CSV, OFX, or QIF — 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.
- CSV, OFX, and QIF 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
The one Pro screen in this tour — Savings Goals is a chapter of Look Ahead, Pulse Neuron's planning page. Set a target and a date; it shows the required monthly contribution, your progress, and whether you're on track against your real surplus — so what your free Budgets help you trim has somewhere to go.
- “$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
5,100+ 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 on your device — nothing is uploaded. 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 — and your existing uncategorised ones fill in too.
Month in Review
What the month cost, where it went, what came in, and how what you owe moved — the unit a household actually lives on.
See where it goes — and where you could redirect it
The whole family-finance suite — statement import, budgets, bill forecasts, the debt tracker, the net-worth timeline — is free, for every member of your household. It runs on your device and costs nothing to serve, so we do not charge for it. Pro is the investing side: performance and risk analytics, planning, and a much larger live-price allowance.
Free means free — no card, no account, no trial clock. Pro, the investing side, is managed through the Microsoft Store.