Your MoneyHandled.
Open your budget

A next-generation personal finance app

Budget without guessing.

Know what you can safely spend today - no complicated spreadsheets and no bank login. A simple app that stays with you.

Create your YMH accountSee how it works
  • Free plan forever
  • 100% data privacy
  • Web and mobile

Change how you approach your budget

Either you control your money, or your money controls you.

Three everyday situations you already know - and the calm you get from YMH right away.

  1. Situation 01

    Your balance only shows now

    You know exactly how much you can safely spend today and still make it to payday without stress.

  2. Situation 02

    Small spends do not make noise

    You see in black and white where money leaks - before the balance unexpectedly hits zero.

  3. Situation 03

    A spreadsheet shows the problem after the fact

    You plan ahead in real time instead of putting out financial fires after the fact.

No spreadsheets, no complicated rules. Just clarity for every day.

Create your YMH account

Pricing

Freemium to start. Pro when you need more.

Free plan with no card and no time limit. Pro adds cashflow, goals, and reports. 30-day trial with no automatic charge.

Freemium

€0

No card. No time limit.

  • Daily budget and manual transactions
  • Categories and basic spending control
  • Account with no card and no time limit
Create your YMH account

YMH Pro

€4.17/ month

On the annual plan. €6.99 / month on the monthly plan. 30-day trial needs a payment method, with no automatic charge.

  • Everything in Freemium
  • Cashflow and upcoming commitments
  • Goals, reports, and Intent Coach
  • 30-day trial: payment method at start, no automatic charge
Try Pro free for 30 days

Full pricing and billing periods

The app interface in action

See the app in action

Mode 1: flexible daily budget

A free-to-spend amount calculated for every day

YMH subtracts fixed bills from income and splits the rest across the days until payday. No grinding through every grosz.

Financial mission coach

Pick a mission - YMH will guide you to the goal

  • Emergency fund

    Emergency fund

    Goal: 18,000 PLN - 68%

    Cover 3-6 months of fixed costs. YMH calculates a safe reserve from your spending.

    Goal: 18,000 PLN - 68% reached

  • Debt free

    Pay off debts

    Snowball - 2 left

    Snowball strategy - pay the smallest balance first and watch the freedom grow.

    Snowball method - 2 payments left

  • Big goal

    Big financial goal

    Down payment (45k PLN)

    Down payment, a car, or a dream trip. Split big goals into stages with a clear plan.

    Stage 2/4: Down payment (45,000 PLN)

  • Bills & subs

    Bills and subscriptions

    3 payments this week

    Fixed costs under control. Reminders before due dates, so you avoid late fees.

    This week: 3 payments (640 PLN)

  • Wealth building

    Build wealth

    Auto-save: 15%

    Pay yourself first. Set aside a fixed percent as soon as income arrives.

    Auto-save: 15% of income

  • Baby steps

    Guide me step by step

    Step 1: Review

    Not sure where to start? The coach walks you from the first 100 PLN to full stability.

    Step 1: Habit review (started)

Open world - light budget

Do not want a rigid mission? Stay in free mode.

Create your YMH account

Key YMH capabilities

A budget that helps with everyday decisions

  • Pulse

    One clear truth about your money

    Budget, fixed costs, and safe-to-spend in one readable view. No tab-hopping and no guessing.

  • Cashflow

    No more surprises on the way

    See exactly what will be left in a week or two. No bill or instalment catches you at the till.

  • Sync

    Your budget works where you do

    Add an expense in 3 seconds on your phone, plan the month on desktop.

Questions and answers

Common questions. Short answers.

No. YMH is built around quick manual entry. You stay in control and keep your privacy - we do not pull sensitive banking data. Bank connection is COMING SOON, not a requirement to start.

See all questions

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Blog and education

Budgeting knowledge without guesswork

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