Free · Global edition · rates updated October 2026Your money.
Your money.
Your momentum.
Track your net worth, emergency fund and retirement savings in one private place, and learn personal finance and investing as you go.
6 short questions, about a minute. You can skip any of them.
The Puls path
Start anywhere- 1Breathe out debtA payoff order and a date
- 2Build a safety netA few months of essentials
- 3Protect your savingsKeep their value after inflation
- 4Invest every monthSmall, steady amounts
- 5Watch it add upYears of costs covered
- 4free Money Insights tools to try
- 22guides and learning paths, from budgeting to the stock market
- 7trackers to choose from, visible only to you
Your path
Five steps. Take them in your own order.
Each step has a Money Insights tool to try and a tracker to follow it, with guides to read along the way. There's no score and no deadline.
- Step01Breathe out debtChoose a payoff order and see the month you could be debt-free.Try · Debt PayoffTrack · Debt payoff
- Step02Build a safety netWork out a few months of essential costs and build the fund bit by bit.Try · Spending HabitsTrack · Emergency fund
- Step03Protect your savingsCompare where your savings could sit, after inflation.Read · Saving when inflation is high: how to keep your money's valueTrack · Savings
- Step04Invest every monthSee what a set monthly amount could grow to, and what past years actually looked like.Try · Investment GrowthTrack · Net worth
- Step05Watch it add upFollow what you own and owe month by month, and see how many years of your costs it could cover.Try · Freedom PointTrack · Retirement
Learning path · 4 short episodes
The stock market, from zero.
What the market is, funds or shares, placing a first order and investing a little every month. Read them in order.
Education only. We never name shares to buy.
- 01How to understand the stock market before you investEpisode 1 · 7 min read
- 02Funds vs single shares: what you own and what you payEpisode 2 · 8 min read
- 03Your first share or fund order: broker, custody, order types, costsEpisode 3 · 7 min read
- 04Investing a fixed amount every month: DCA, your mix and rebalancingEpisode 4 · 7 min read
Free Money Insights
A few minutes, your own numbers
- DebtDebt PayoffCompare debt repayment strategies and discover when you could become debt-free.You'll find out your debt-free month and the interest each order costs.
- IndependenceFreedom PointYour FIRE number and the year you can reach it.You'll find out your financial independence number and the age you could reach it.
- Everyday spendingSpending HabitsDiscover how everyday spending habits can add up over time.You'll find out what a monthly habit could add up to over the years.
- InvestingInvestment GrowthSee how investing a fixed amount every month could grow your wealth over time.You'll find out what a set monthly amount could become over the years, in today's money.
Free account · no card needed
Keep your progress. Watch it add up.
Save your results, follow your trackers month by month and pick up where you left off. Your figures are visible only to you, and you can delete them at any time.