Spending and income
Movements, categories and cards — with statement import and rules that classify on their own.
Your financial outlook
Your whole financial life in one place
Where your money is and where it went — no spreadsheet, no adding up bank balances by hand. Across multiple currencies, with the document always one click from the number.
What's inside
Everything talks to everything else
Every account in one place
Different banks and currencies, with a single consolidated balance.
Receipts and documents
Snap the receipt, have it read automatically, and keep it tied to the entry it explains.
Commitments
Contracts, financing and projects: what you've already taken on, projected month by month.
Net worth and investments
Property, vehicles and portfolios across multiple countries, tracked over time.
Planning and reports
Annual plan, plan vs. actual, and financial health indicators.
Private by design: history is sacred — nothing is overwritten without an audit trail — and your data lives on your own server.
What we believe
Learn more
Five beliefs about money
It's the only line in your budget with no creditor on the other side: every bill chases you, the future never does. So it's always the first to give — and it gives quietly. The system won't block a withdrawal, nor should it. It makes that withdrawal visible, named and priced.
Income tells you how much comes in. It doesn't tell you how long you last when it stops. How long can your family hold its standard of living if the income stops? How far are you from your returns covering the cost of living? Both questions have a numeric answer.
Your statement knows how much, and that has never been enough to decide anything. A system that accepts spending without an explanation is training you not to look — and someone who doesn't look decides nothing. Explaining takes effort: the system's job is to make it cheap, not to pretend it's optional.
Privacy isn't hiding from everyone; it's you controlling the door — who comes in, what they see, for how long. Your accountant will get these numbers one way or another; better with control and a record. That holds for AI too: it works on your own data, and nothing sensitive leaves without you sending it.
Accumulating creates work: two countries, two currencies, contracts that renew, documents with retention periods, a tax in a jurisdiction you don't even live in. None of that is sophistication — it's what life becomes when things go well. Complexity is the cost of success, and absorbing it is the system's job.
Why we exist
There is no healthy financial life without knowing your own numbers — and knowing takes work. We built FLS so that the work becomes a plan, and the plan becomes net worth. Your data, on your side, the whole way.
In development · access by invitation
Not open to everyone yet
FLS is still being built, and today it runs with a small group — family and friends who actually use it and point out what's wrong. If you'd like to follow along, ask for an invite.
Ask for an inviteOr write straight to fls-contact@pm.me. We reply personally — no mailing list, no newsletter.
