Questions? We've got answers.

Solvent is a conscious finance app that helps you track spending, pay off debt, and save for goals. It's built for people who have a complicated relationship with money and want to change it. Unlike most finance apps that connect to your bank and show you what you already spent, Solvent uses manual entry as the core practice. Every transaction you enter is a moment of awareness—a chance to pause and make conscious choices about your money.

Solvent is for anyone who wants a more intentional relationship with money. That includes: • People working to pay off debt • Freelancers and contractors who need to track business finances • Anyone who's tried budgeting apps and found them unhelpful • People interested in mindful or conscious approaches to money • Those in financial recovery programs looking for supportive tools If you've ever felt like money controls you instead of the other way around, Solvent was built for you.

Three main differences: Manual entry is the feature, not a limitation. Most apps try to automate everything. We believe the act of manually logging a purchase creates awareness that automation destroys. We focus on behavior change, not just tracking. Showing you graphs of past spending doesn't change future behavior. Solvent is designed around practices that actually rewire your relationship with money. We include the emotional side. Goals have a "Why" field. We acknowledge money shame instead of adding to it. The app is built on principles from financial recovery, not just spreadsheet logic.

Not at all. While Solvent is built on principles that have helped people in recovery programs, it's designed for anyone who wants a more conscious relationship with money. You don't need any specific background or affiliation.

On purpose. When you manually enter a transaction, you create a tiny pause—a moment of awareness. That friction is the behavioral change mechanism. Apps that auto-sync from your bank show you what happened. Solvent helps you be present when spending happens. That's a fundamentally different approach, and it's what makes real change possible. Think of it like this: a diet app that only tells you what you already ate doesn't help you eat differently tomorrow. Solvent is about building awareness in the moment.

About ten seconds. Open the app, select a category, enter the amount, done. We've designed Quick Entry to be as fast as possible while still creating that moment of awareness.

Yes—if you're on a paid plan. You can download a CSV from your bank and import it into Solvent. The import tool auto-detects formats from major banks. This is useful for catching up on past transactions or doing a monthly reconciliation. But we encourage using Quick Entry for real-time awareness whenever possible.

A spending plan is zero-based budgeting: you assign every dollar of income to a category before you spend it. Income minus planned expenses equals zero. Every dollar has a job. Then, throughout the month, you track actual spending against your plan. The gap between planned and actual isn't failure—it's information. It shows you where reality differs from intention.

Enter your debts (balances, interest rates, minimum payments), and Solvent shows you two strategies: • Snowball: Pay off smallest balance first for quick psychological wins • Avalanche: Pay off highest interest first to minimize total interest paid You can run what-if scenarios to see how extra payments affect your debt-free date. Watching that date move closer is incredibly motivating.

The AI assistant can answer questions about your money in plain English. Ask things like: • "How much did I spend on food this month?" • "Am I on track with my spending plan?" • "What's my biggest expense category?" • "When will I be debt-free if I pay an extra $100/month?" It has access to your accounts, transactions, goals, spending plans, and debt information. It's like having a knowledgeable friend who knows your numbers and can answer questions without judgment.

Yes. The free tier is genuinely useful—not a crippled demo or a 14-day trial. You get 10 accounts, 1,000 transactions per month, a spending plan, unlimited savings goals, and the full debt dashboard. Many people never need to upgrade. We believe the core tools for conscious spending should be accessible to everyone.

Personal ($9/month): Unlimited accounts and transactions, CSV import, full debt tools, Investment Research (watchlist, due-diligence, portfolio tracking), retirement planning, and AI assistant messages. For individuals serious about change. Freelancer ($39/month): Everything in Personal plus Business Accounts (business/personal separation), GST tracking with set-aside, client management, project tracking, time tracking, and invoicing. Built for freelancers and solo operators. SME ($79/month): Everything in Freelancer plus unlimited clients, Xero integration, agreements, SLA reporting, revenue pipeline, and document storage. For small business owners.

Our plans are simple and affordable: • Personal: $9/month • Freelancer: $39/month • SME: $79/month All paid plans include a 30-day free trial. Check our pricing page for current offers.

Yes. All paid plans include a 30-day free trial. No credit card required to start the trial on Personal plan. You can cancel anytime during the trial with no charge.

Absolutely. Upgrade or downgrade anytime from your account settings. If you downgrade, you keep access to your current plan until the end of your billing period.

Not yet, but it's coming. Early users already have the best deal available.

We use bank-level encryption (AES-256) for all data in transit and at rest. Our database has row-level security, which means even our own team can't access your financial data. We're hosted on secure, SOC 2 compliant infrastructure. We follow industry best practices for application security.

Never. We don't sell data, share data with third parties, or monetize your information in any way. Our business model is simple: you pay for the software. That's it.

Yes. You can export all your data anytime from your account settings. Your data belongs to you.

Yes. One click in your account settings. We don't make you call anyone or jump through hoops. Your data is deleted within 30 days (we keep it briefly in case you change your mind).

Only you. Our row-level security means your data is isolated from other users and from our team. The AI assistant can access your data to answer questions, but that processing happens securely and nothing is stored beyond your account.

Yes. Solvent is a Progressive Web App (PWA), which means it works on any device with a web browser—iPhone, Android, tablet, desktop. No app store required. You can add it to your home screen for an app-like experience. Quick Entry is specifically designed for mobile use.

Yes. Quick Entry has offline support. If you log a transaction without internet connection, it's saved locally and syncs when you're back online.

Yes. Free users get 10 accounts, and every paid plan gets unlimited. You can categorize accounts as Personal, Business, or House.

Yes. You can set your preferred currency in settings. We support multiple currency formats for international users.

Yes. You can toggle between light and dark mode in settings.

Not currently—each account is individual. Family/shared accounts are on our roadmap. For now, some couples each have their own account and coordinate their spending plans together.

Freelancers, contractors, consultants, and solopreneurs who need to track clients, log time, and send invoices—while also managing personal finances. If you work for yourself and want one app that handles both sides of your money, the Freelancer or SME plan is for you.

You can either start a timer while you work, or manually add time entries after the fact. Time is tracked by project and client. At the end of a billing period, you can turn those hours into an invoice with one click.

Create an invoice from your tracked time or manually add line items. Solvent generates a professional PDF you can send to clients. You can track which invoices are paid, pending, or overdue.

Yes — this is one of Solvent's strongest business features. Every account and category can be marked as business or personal, and you can switch between Personal, Business, or Both views at any time. The separation happens at the moment of entry, not months later at reconciliation. What you (or your bookkeeper) get is a clean split — not a chart of accounts that's half life, half business. Available on the Freelancer and SME plans.

Yes. On the Freelancer and SME plans you can set up dedicated tax accounts — GST, income tax, provisional tax — and track your GST position from the first transaction, with set-aside so the money is actually there when the return is due. Solvent is built in New Zealand and works with NZ GST, and the same tools work for Australian GST. It's tracking and awareness, not tax advice — your accountant still files the return.

SME plan users can connect to Xero and sync invoices automatically. When you create an invoice in Solvent, it appears in Xero — and because business/personal separation and category coding happen in Solvent first, what lands in Xero is already clean. This keeps your accounting software up to date without manual data entry.

Email us at support@getsolvent.online. We actually read and respond to every message—usually within 24 hours, often faster. For common questions, check this FAQ and our Knowledge Base.

Please report it! Email support@getsolvent.online with as much detail as you can: what you were doing, what happened, what device/browser you're using. Screenshots help. We take bugs seriously and fix them quickly.

Absolutely. We love hearing what would make Solvent more useful for you. Email us or use the feedback option in the app. We can't promise to build everything, but we read every suggestion.

Solvent is built by Matt at TrustTech Limited in New Zealand. It started as a personal project—a tool Matt needed for his own financial recovery—and grew into something worth sharing.

Because nothing else worked. The apps that auto-sync from your bank just showed graphs of failure. Spreadsheets got too complicated to maintain. What was needed was an app that made spending conscious—that used friction intentionally as a tool for awareness. Solvent is built on principles from financial recovery programs, wrapped in software that makes them easier to practice.

We're building Solvent as a sustainable business, not a venture-backed startup chasing growth at all costs. Our goal is profitability through subscriptions from users who find real value in the product. We're committed to the long term. The free tier will always exist. Your data will always be exportable. We're building something meant to last.