Everything you need to understand your money, pay off debt, and build toward what matters. Nothing you don't.
This is where the magic happens. Quick Entry is a mobile-first tool designed for one thing: logging expenses in the moment, before you forget, before the awareness fades.
Open the app. Select a category. Enter the amount. Done.
Those ten seconds aren't just data entry—they're a pause. A moment to notice what you're feeling, why you're spending, whether this aligns with what you actually want.
Over time, these moments rewire your relationship with money. Spending becomes intentional. That's not a side effect—it's the entire point.
A spending plan isn't a wish list—it's a decision. Before the month begins, you decide where every dollar goes. Income minus expenses equals zero. Every dollar has a job.
Solvent makes this simple:
When reality doesn't match the plan (and it won't, especially at first), you learn something. That gap between planned and actual isn't failure—it's data. Use it.
Debt feels endless when you can't see the finish line. Solvent's Debt Crusher changes that.
Enter your debts—balances, interest rates, minimum payments. We'll show you two paths: the debt snowball (smallest balance first, for quick wins) and the debt avalanche (highest interest first, for maximum savings).
Then comes the powerful part: what-if scenarios. What happens if you throw an extra $50 at your debt each month? $100? $500? Watch your debt-free date move closer in real time.
That visibility transforms everything. Debt stops being a vague weight and becomes a problem with a solution.
Getting out of debt is important. But it's not the destination—it's clearing the path to something better.
Solvent lets you set goals that matter to you. An emergency fund. A vacation. A down payment. Starting a business. Whatever you're moving toward.
Each goal has a “Why” field—because the emotional connection to your goal is what keeps you going when motivation fades. You're not just saving money. You're building toward something you actually want.
And yes, there's confetti when you hit milestones. You've earned it.
Sometimes you just want to ask a question. “How much did I spend on food this month?” “Am I on track with my spending plan?” “What's my biggest expense category?”
Solvent's AI assistant understands your question and pulls the answer from your actual data. No digging through screens. No building reports. Just ask.
The assistant is powered by Claude and has access to your accounts, transactions, goals, spending plans, and debt information. It can answer questions, spot patterns, and help you understand your money—without judgment.
If you're a freelancer or contractor, your finances aren't just personal—they're business. You need to track clients, log hours, send invoices, and actually know if you're making money.
Solvent brings it all together:
Clients & Projects: Keep track of who you work for and what you're working on. Contact info, project history, everything in one place.
Time Tracking: Start a timer or log hours manually. Track time by project, by client, by day. Know exactly where your hours go.
Invoicing: Turn tracked time into professional invoices. Generate PDFs, send to clients, track payment status. On the SME plan, sync directly to Xero.
When your personal and business finances live in the same app, you finally see the complete picture.
If you run a business — freelance, contracting, or a company — your finances have two sides. Most tools make you pick one, or worse, tangle them together until your bookkeeper untangles them at EOFY.
Solvent classifies every account and category as business or personal, and every entry gets sorted the moment it happens — not reconstructed six months later. Switch between Personal, Business, or Both views any time.
The result: you always know what your business actually makes, and what lands in your accounting software is already clean. No mixed-up chart of accounts. No cleanup job.
GST caught up with at return time is a bill. GST tracked from the first transaction is just a number you already know.
Solvent gives you dedicated tax account types — GST, income tax, provisional tax — so the tax portion of your income is set aside as you go, not discovered at the deadline. Your GST position is visible all cycle, and the money is actually there when the return is due.
Built in New Zealand for NZ GST; the same tools work for Australian GST. This is tracking and awareness, not tax advice — your accountant still files the return.
Financial data is some of the most personal information that exists. We treat it that way.
Solvent uses bank-level encryption for all data in transit and at rest. Our database has row-level security—even our own team can't see your financial information. We don't sell data. We don't share data. We don't monetize your information in any way.
You can export your data anytime. You can delete your account with one click. Your data belongs to you, and we make it easy to take it with you or remove it entirely.
Track checking, savings, credit cards, cash—all in one place
Import transactions from any bank with auto-detection
Create categories that match how you actually spend
Set up regular bills and income so you don't forget
Find any transaction with powerful filtering
Support for international users
Easy on the eyes, day or night
Works on any device, no app store required
| Feature | Solvent | Mint | YNAB | Spreadsheets |
|---|---|---|---|---|
| Feature by feature | ||||
| Manual entry (consciousness) | Optional | |||
| Bank sync | Intentionally not | |||
| Debt payoff tools | Basic | DIY | ||
| Goals with "Why" | Basic | DIY | ||
| AI assistant | ||||
| Time tracking | ||||
| Invoicing | ||||
| No ads | ||||
| Privacy-first | ||||
We don't connect to your bank on purpose. That friction—the act of manually entering transactions—is the behavioral change mechanism. It's not a limitation. It's the feature.
Start free. Upgrade when you need more. Free to start. Upgrade anytime.