You think about money constantly.
You never feel on top of it.
You're not bad with money. You're missing the right kind of awareness. Solvent helps you build that — one intentional moment at a time.
What's brought you here today?
Pick the one that resonates. We'll show you how Solvent can help.
"Finally, an app that doesn't make me feel terrible about money."
— Sarah K.
"I paid off $12k in 8 months. The awareness changed everything."
— James R.
"Built for humans, not spreadsheet nerds."
— Priya M.
The Reality
If money stresses you out, you're not alone
More than a third of Australians feel shame about their financial situation. Most think about money constantly — but rarely talk about it.
The apps that promise to help? They connect to your bank, show you what you already spent, and leave you feeling worse. That's like a diet app that only tells you what you already ate.
There's a better way.
A Different Approach
Finance that actually changes behaviour
Manual Entry is the Feature
Every transaction you enter is a moment of awareness. A pause. A choice. That's how real change happens.
Clarity Without Judgment
No shame. No lectures. No red screens. Just clear insight into where your money goes — and why.
Built for the Australian Way of Working
GST, PAYG, BAS. Solvent knows the Australian tax rhythm. Your obligations are tracked as first-class accounts — no surprises at BAS time.
10 seconds
to log a transaction in Pocket mode
17+ minutes
average time on site for mindful spenders
$0
to start — free plan, no credit card
What's Inside
Everything you need, nothing you don't
Spending Plan
Zero-based budgeting that puts your priorities first. Plan where every dollar goes before it's gone.
Debt Crusher
Snowball or avalanche—pick your strategy. See exactly when you'll be debt-free.
Goals & Dreams
Save for what matters. Track progress with visual milestones. Celebrate when you hit them.
Quick Entry
Log expenses in 10 seconds flat. Category, amount, done. Build the habit of conscious spending.
AI Assistant
Ask questions about your money in plain English. Get answers, not lectures.
Time & Invoicing
Track hours, create invoices, bill clients. Built for freelancers who need to know their numbers.
Why It Works
“Most apps connect to your bank and show you what you already spent. Solvent is different. Every transaction you enter is a moment of awareness.”
The magic isn't in the features—it's in the friction.
When you manually enter a purchase, you create a tiny pause. A moment to feel what you're feeling. To ask: “Is this aligned with what I actually want?”
Over time, these moments rewire your relationship with money. Spending becomes conscious. Decisions become intentional. That's not a bug in our system—it's the entire point.
Other apps optimize for convenience. We optimize for change.
The Story
Built by someone who needed it
I built Solvent because I was drowning.
I had accounts scattered across spreadsheets, each tracking things differently. It was unmanageable. When life got busy—an overseas trip, work chaos—my numbers fell apart. And so did my relationship with money.
I'd tried the apps. They connected to my bank, showed me graphs of my failures, and left me feeling worse. What I needed wasn't another dashboard. I needed something that would help me actually change.
So I built it. First for myself. Then for my son, who needed a time tracker. Then for friends who asked for it. Now for you.
If you've ever felt like money controls you instead of the other way around—this was built for you. Because it was built for me first.
— Matt
What People Say
Real people, real results
“If you've been wondering where your money goes and you're ready to take control — without beating yourself up — gently bring conscious awareness to your money and effortlessly upgrade your habits with Solvent.”
— Maree, NZ
“Australian testimonial coming soon.”
— Name, Australia
Simple pricing in Australian dollars
Start free. Upgrade when you need more. All prices in AUD.
See Australian PricingQuestions