Log anything in a tap
Cash, a friend’s coffee, the market stall — add what your bank can’t see in a single tap. Recurring ones repeat on their own.
Personal finance · made friendly Plan your money.
Plan your money.
Grow your savings.
Connect your bank and let smart AI sort every expense automatically — organize spending, save with intention, and stay in sync with your partner, without the spreadsheet feeling.
You don’t save what remains. You decide what remains.
No spam. Just an email when early access opens.
- Auto bank-sync Transactions flow in for you
- AI categorization Every expense, sorted instantly
- Friendly by design
- No ads, ever
Open Banking · Coming soon
Your bank, connected automatically.
Connect your bank and let CapyCents securely bring in your transactions. No more manually adding expenses, now it's all automatic.
- Read-only access
- Revoke anytime
- 2,700+ EU banks
AI powered smart categories
Every expense, sorted by AI.
Every expense, sorted by AI.
Before you lift a finger.
A gentle AI helper, built into CapyCents. It sorts every new expense into the right category automatically — you stay in control of every tap.
- Instant suggestions, no setup
- Learns from the categories you keep
- Sees merchant text only — never amounts, dates, or IBANs
- Never trained on your finances
Powered by Claude — Anthropic
Everything you need Everything a budget app should be.
Everything a budget app should be.
Nothing it shouldn’t.
From your morning coffee to your savings goal, Cappy keeps the whole thing calm, clear, and a little bit cute.
Budget together
Clear, friendly categories you can share with a partner or flatmate. Everyone stays in sync, in real time.
Every account in one place
Checking, savings, cash, and investments — your whole money picture in one calm overview.
Save with intention
Set goals, watch your savings grow, and decide what stays. Cappy nudges gently — and never nags.
A capybara for every mood.
How it works
Calm money, in a few small steps.
-
Step 1Build your plan
Set monthly limits for rent, food, fun, and savings. Cappy keeps you guided, not restricted.
-
Step 2Add spending fast
Log expenses in seconds. Recurring ones repeat on their own — no spreadsheet, no friction.
-
Step 3Stay calmly on track
Watch how much is left in each pond. CapyCents nudges when you drift, never nags.
-
Step 4Track every account
See checking, savings, cash, and investments in one calm overview.
Built privacy-first
Your data stays in the EU — and never gets sold.
Everything lives on EU servers (Frankfurt), encrypted at rest and in transit. We don’t run ads, we don’t sell data, and we never train AI on your finances. Export or delete everything in one tap.
🐾 Join the pond
Be first in the pond.
Join the waitlist and we’ll let you know the moment early access opens.