Couple with the keys to their new home
Traveler walking with a suitcase
Woman smiling at her phone
Getting the keys to a new car
Couple enjoying retirement on a bench
Friends watching the sunset together
Reviewing a budget at a laptop

Know what's actually
left until payday

Without it feeling like a second job. No bank login needed.

Start for Free

Three steps. One import.

Set it up once. That's the last work you do.

01

Create your account

Google, Apple or email. Then pick how private you want to be — that's your choice, not a default we pick for you.

02

Import your statements

Drop in a file from your bank and every transaction sorts itself into a category.

03

Know what's left

Your budget writes itself from what you actually spend, so you can see what's left before payday. Tighter or looser is your call. Deco adjusts to you, not you to Deco.

Features

Deco budget screen

Auto Budget

Always know what's left

Deco looks at six months of your real spending and sets the limits for you, so you always know what's left before payday. Built from what you did, not what you hoped you'd do. No spreadsheets. No envelopes.

Deco recurring costs screen

Recurring

Never forget a subscription

Deco reads your transactions for anything that repeats, so you know what still has to be paid before payday. The gym you stopped going to. The trial you forgot to cancel.

Deco goals screenDeco debts screen

Goals & Debts

The debt. The house. The someday

Set what you owe and what you're saving for. Link real payments to a debt and watch the payoff date move closer. Deco splits your spare balance across both and shows what each month bought you.

Deco net worth chart

Net Worth

Watch it actually grow

Your accounts, your house, your car, minus what you owe. Stocks and crypto update with the market. One number for all of it, so you can see you're getting somewhere instead of hoping you are.

Your connections

Live

Main bank

Every purchase flows in

Synced

Broker

Holdings at live prices

Synced

Crypto wallet

Balances update on their own

Synced
Connect an account

Bank Sync Coming soon

Connect once. Everything flows in

Live connections are on the way for banks, brokers and crypto wallets, so transactions, holdings and balances arrive on their own. Brokers already update with live market prices today, and importing a statement takes under a minute.

Am I actually paid fairly?
People with your profile in your city earn a median of €52k. Your deposits suggest €44k. You are likely €8k a year underpaid.
Want a negotiation plan for your next review?
Is my rent too high?
You pay €1,400. Three areas with the same commute and safety average €1,050. Moving would free €4,200 a year.
That covers your whole vacation goal.
Anything I'm missing?
You qualify for €640 you never claimed. Compensation for that delayed flight in March plus an energy subsidy.
Found money, not saved money.
Any news on my mortgage?
Rates dropped 0.4 points since you signed. Refinancing saves you €190 every month.
Want me to walk you through it?
What does APR actually mean?
The real yearly cost of borrowing, fees included. Your card charges 22%, so carrying €1,000 costs you €220 a year.
No jargon, ever. Ask me anything.

Advisor Coming soon

A calm advisor that knows your numbers

A personal money coach that will know your numbers, working on both sides of the equation. It will spot leaks and price hikes, check if your salary and rent match the market, surface money you never claimed, and turn it all into a plan you can follow. Coming soon.

Private by design

Two privacy modes. You pick at setup.

One helps us make Deco sharper for you. One means we can't read your data at all. Neither sells it — we don't sell data.

Smart Insights

Share, and get more back

Private to your account, and it powers what comes next: your rent compared to your area, what your role should really pay.

Maximum Privacy

Or keep the key yourself

Encrypted on your device. Only your device holds the key. We couldn't read it if we wanted to.

Frequently asked questions

Find answers about Deco, how it protects your data, and what it supports.

Yes. Deco adds everything you own into one honest number, then builds a monthly plan from your real spending. Instead of guessing, you see exactly where you stand and what to do next.

Import statements from CSV or XLSX, or add balances by hand. Broker holdings track with live prices, and you can add manual assets like a house or car plus debts such as cards and loans. Automatic bank sync is coming soon.

Yes. Everything is encrypted at rest and protected by row level security. Turn on Maximum Privacy and the key stays on your device, so not even Deco can read your data. It is never sold or shared.

Deco is free. If we ever add premium features, they'll be fairly priced — never crazy subscriptions — and your data is never for sale.

English, Spanish and Danish, with amounts in seven currencies including € $ and kr.

Still have questions? Try it yourself, it's free.

Free to start

Stop guessing before payday.

Less manual work. No bank login needed.

Download on theApp Store

Android is coming. Want to know the day it lands?