For one person
Banks, cards, cash and a wallet in one book. Budgets that warn on day six
Tomás Oliveira lives in Lisbon, is paid in euros, keeps savings on an exchange and in a wallet, and bills a client in USDC.
Banks, cards, cash and crypto, side by side
Two banks, a card, cash, BTC on Binance, ETH in a wallet, USDC on Base: one figure in euros.
Accounts and rails in depth →Two bank accounts, a card, cash in the drawer, BTC on Binance, ETH in a wallet, USDC on Base. What is the one figure, and what is each of them today?
Subscriptions
•••• 2764
FrozenOrlaVirtual
4512 •••• •••• 5127
Online and travelTomás OliveiraExpires09/29
A virtual card from a prepaid balance you top up in USDT or USDC.
Send, receive and swap from a verified wallet, and WalletConnect brings in the wallet you already use, nothing to install, no key to hand over.
Categories · 133 rows filed
Rule, in words
payee contains Bolt → Transport
Keep the ruleUndo
A rule written in words files the next Bolt ride the way the last one was filed; it can be applied backwards to the rows already in the book.
Everything that arrives waits in the inbox: quarantined mail, receipts, and the expenses still without paper.
Who owes whom, and on which day
A mortgage with its schedule, a laptop a friend pays back monthly, and the receipts that still have no row.
Loans and the calendar in depth →Thirty-one installments paid and three hundred and thirty to go, a friend paying a laptop back monthly, a dinner owed since Friday. Who owes whom, how much is still open, and on which date is the next payment due?
Condomínio Rua das Flores85.00Overdue
EDP · electricity61.30Due
Clínica Boavista140.00Due
MEO · fibre35.00Paid
Bills by status, with the ones waiting for your word on top.
ArrivesRead asFiled under
Filed by a schema you set in words, with versions and access.
Budgets, goals, and one calendar for it all
Budgets that name the day they run out, and one calendar with the low point of the month on it.
Budgets in depth →Subscriptions are at half by the middle of the month and dinners out are piling up. Which limit breaks first, and on which day?
Emergency fund78%On track
Gravel bike53%On track
A goal counts marked transactions or the balance of the accounts you link to it, and shows the pace it is on.
Sep 25Nordic Software · salary+3,900
Oct 1Rent · Rua das Flores1,450
Oct 4Spotify10.99
Oct 5Netflix12.99
Oct 8EDP · electricity62
Everything dated on one page: what is overdue, what falls this week, what is coming in, and where the balance lands at month end.
The assistant
Ask it what has gone up in price
The composer answers about your own month from the banks, the cards and the wallet, and offers the change as a card you press.
The assistant in full →- Reading the charges themselves
- Comparing the last with the typical one
Two: Spotify is 2 a month above its typical charge since April, and the gym 6 since June. Everything else is flat.
What it takes on
- A warning before the account runs low
- The current account runs below 300 on the 23rd, said a week before rather than the morning after.
- Every subscription, once
- Each repeating charge in a single list with its share of a month, and how much leaves in the next 30 days.
Connections
Bank, exchange, wallet and pocket cash
The bank by feed, the exchange by read-only key, the wallet by address, and the phone for cash and receipts.
- Plaid
- Revolut
- Binance
- Coinbase
- Kraken
- OKX
- Bybit
- Ethereum
Control and trust
Keys that only read, and a seed the server never sees
- Read only
- An exchange key reads balances and trades and nothing else; an order can never go out.
- Your keys
- A wallet is watched by address; a seed you import is encrypted in the browser, and the server never reads it, by construction, not by policy.
- Your own space
- A personal space is separate from any family or group you join, and none of them sees into it.
- Free to start
- The free plan has no card and no time limit, and live exchange sync is on it; bank feeds and exchange keys only read, from the first day.
Questions
The questions that come first
Does Orla need my exchange password?
No. An exchange connects with a read-only API key you make there: balances and trades come in, orders cannot go out. A key with trading rights is refused.
Can I keep cash and a statement from a bank that has no feed?
Yes. Cash is added by hand or from the phone, and a PDF or CSV statement in any language imports into the same list, so the bank without a feed is still in the net worth.
What does it cost for one person?
The free plan has no card and no time limit. Paid plans start at $25 a month, and any single limit can be raised with a pack instead of a plan change.
Read next
Where this goes on
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.