Build wealth, one level at a time.

Why Money Journey

• Feels like a game

  Levels, quests, streaks and coaches make the habit actually stick.

• Serious finance underneath

  Net worth, cashflow, budgeting and investing — done properly.

• Private by design

  Manual entry, no bank links, your data encrypted in the EU.

A ten-level path to financial freedom.

Every level asks the same thing of you: prove your personal growth by growing your net worth. That's it. We make the road there feel like an adventure, not a chore.

Ten chapters, ten net-worth milestones, one long, epic climb. Your coach greets you by name, your streak keeps you honest, and every figure on screen is your own. The math is simple; the experience is anything but.

What the Journey gives you

• Your character

  Create an avatar that grows with you. Unlock and customize hair, outfits, and palette as you earn XP. Rise to higher levels to unlock prestigious rewards.

• Quests & streaks

  Daily, weekly, and monthly quests turn good money habits into small wins — and a check-in streak (with shields to protect it) keeps you coming back. Earn XP for tracking, reviewing, and optimizing.

• Titles & shop

  Spend XP on hair styles, outfit colors, accent palettes, and much more.

A serious finance app underneath.

The game only works because the numbers are real. Money Journey is a complete personal finance tool — net worth, investments, cashflow, budgeting, insights, and a guided monthly close — designed with over a decade of experience.

What's inside

• Net Worth

  Track every asset and debt across cash, investments, property, and more — month by month.

• Investments

  Track holdings, transactions, and savings plans. See market value, unrealized gains, dividend income, allocation, and money-weighted return (IRR).

• Cashflow

  Log income and expenses, set recurring entries, and filter by category to see exactly where your money goes.

• Budget

  Plan the year by category, see last year's actuals alongside, and allocate projected savings to future assets.

• Insights

  Monthly P&L, period comparisons, cashflow analysis, and a net-worth breakdown by asset type ready for analysis.

• Monthly Close & Reports

  Close each month in a guided ritual that locks in your net worth — then get a polished PDF report of the month, coach commentary and all.

Advice with a personality.

Chat with a coach who actually knows your numbers. Start with Alina — warm, patient, and surprisingly sharp — then unlock new coaches as you level up. Each one looks at your money differently.

• Asks about your goals and tailors advice to your situation
• Reads your real net worth and cashflow — no copy-paste
• Suggests next steps based on the conversation so far
• New coaches unlock as you climb the Journey

Your path, remembered.

The Journey is the path ahead. The Timeline is the record of what actually happened — every month you closed, the goals you set, the decisions you made, and the life that happened around them.

And it's where your achievements land. They're hidden. You just use the app, and the cards unlock as you get deeper into the experience.

• Hidden until the moment you earn them — every one arrives as a fun surprise
• Original artwork on every card, and a line worth remembering
• Some you'll find in your first week. Others are waiting for things you haven't thought to try yet.

Get started in minutes.

• Create your character

  Sign up free, pick your avatar, and meet your first coach. You're at Level 1 the moment you log in.

• Add your money

  Start with just your balances — no bank logins, no privacy risk. A few minutes a month is all it takes, and it unlocks your Foundation quests.

• Start the climb

  Watch your net worth grow toward the next level. Complete quests, spend XP, unlock new coaches and cosmetics along the way.

Your data stays yours.

We chose manual entry on purpose — no bank connections, no ad or analytics trackers, and we never sell your data. Your numbers are encrypted and stored in the EU.

• Encrypted in transit and at rest
• No bank connections and no ad or analytics trackers
• Hosted in the European Union, GDPR compliant
• Show a Friend mode hides every figure so you can demo the app or screenshot it safely
• Export or delete your data anytime, no questions asked

Not sure where you'd start? Find your Money Type.

Everyone handles money differently. This free 2-minute quiz shows you how you naturally approach it — and one first step that actually fits. No account, no numbers to enter, just your result.

Begin your money journey.

Level 1 is waiting — free-to-play, no card required, no inbox spam. Bring a friend along and you'll each pick up bonus coach credits.

Built by Jussi, who's tracked his own net worth for over a decade and written about personal finance for nearly as long.