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Gradually

Hi, I'm Bethany. I'm a Virginia parent saving for college for two kids. The Invest529 website made it hard to see our balances over time, how the money was invested, and whether we were on track. So I built Gradually, a free web app that shows all of our college savings in one place. What it does: Shows a dated balance history for each beneficiary, across all of their accounts, with a household total. Shows the Stocks, Bonds and Cash mix next to a glidepath, so you can see how it compares as college gets closer. Puts your savings, projected forward, next to an estimate of what college may cost. What it doesn't do: It doesn't move money, take contributions, track deposits, or give investment advice. It records balances. You don't need to connect anything You can try a demo with sample data in one tap, with no email: https://gradually.io/demo If you want to use it for real, you can type in balances by hand for any 529 from any state, a brokerage account, a UTMA or a savings account. No login needed. If you have a Virginia Invest529 account, there's an optional sync. It uses a separate read-only login that Invest529 offers for apps like this. It can't move money, it isn't your main login, and Gradually never stores it on its servers. More here: https://gradually.io/security It's an independent project, and I'm one person. Not affiliated with Virginia529, Invest529, or Commonwealth Savers.

Finance / Personal Finance

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HeadRoom

HeadRoom helps you work out how much of your bank balance is already spoken for, and plan what to do with the rest. Rather than just tracking past spending, it brings your income, bills, savings goals, debt and one-off expenses into a forward-looking plan. See what’s coming up, where money might get tight and what you’re likely to have left after your commitments. It works for individuals and couples, with or without joint accounts. Keep personal finances private, choose what to share and create a savings or debt plan for your partner to review before applying it. Try “what if” scenarios without changing your live plan, explore potential savings through Switch & Save, and use Ask HeadRoom to ask questions like “Can I clear this loan by Christmas?” or “What happens if our income drops?” Plan for the less regular costs too, from car insurance and back-to-school expenses to estimated electricity bills, so your plans aren’t based on an unrealistically cheap month. The aim is to make everyday money decisions clearer and help households plan together without having to share everything. Irish-built, with read-only connections to supported European and UK banks. HeadRoom helps you plan; it doesn’t move your money.

Finance / Personal Finance

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$Diffractt$

Diffractt

Still keeping an income spreadsheet alongside your budgeting app? Diffractt is a household finance app for people managing different pay schedules, variable income, or salary alongside self-employment. Model your household income and see how it translates into paycheck, monthly, and annual views. Connect that income model to your budget instead of maintaining the calculations in a separate spreadsheet. Diffractt is in open beta. We welcome feedback from spreadsheet users, dual earners, and households whose income does not fit a single predictable monthly paycheck.

Finance / Personal Finance

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CoFinur

CoFinur is a personal finance app built around a simple idea: knowing how much you earn is only part of managing your money. For many people, the harder part is deciding what each amount should be used for before it gets spent. This app aims to help people to better understand their finances and to optimize their income to not only to their lifestyle, but also to their goals. Instead of showing you where your money went, CoFinur tells you what to do with the money you just earned. You define how your income should be split between Needs, Savings, Investments and Leisure, log your income, and get a clear list of the transfers you need to make. No manual calculations. No charts to interpret. The allocation method isn't something we invented for the app. It was developed and refined through spreadsheets over several years and used by real people before CoFinur existed. CoFinur is a paid product with no ads and no selling of user data. For now, everything is entered manually. Bank connections will come later, carefully and opt-in, because trust matters more than automation. The product is live, with fewer than 10 users so far, and we've been getting positive feedback. We've also recently put it through a structured stress test and security review.

Finance / Personal Finance

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