FEATURES

Tools for conscious spending

Everything you need to understand your money, pay off debt, and build toward what matters. Nothing you don't.

THE CORE PRACTICE

Quick Entry: 10 seconds to awareness

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.

→Custom numeric keypad designed for speed
→One-tap category selection
→Offline support (syncs when you're back online)
→Works on any phone—no app store required

KNOW WHERE EVERY DOLLAR GOES

Zero-based budgeting that actually works

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: • Set up your income sources • Create categories for everything you spend on • Assign amounts to each category • Watch planned vs. actual throughout the month 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.

→Visual planned vs. actual comparison
→Category-level tracking with progress bars
→Flexible categories (create what works for you)
→Recurring income and expenses
→Monthly rollover options

FROM DEBT TO FREEDOM

See exactly when you'll be debt-free

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.

→Visual debt cards with balances and progress
→Snowball and avalanche calculators
→What-if scenarios ($50, $100, $200, $500, custom)
→Projected debt-free date
→Total interest comparison between methods
→Payment history tracking

BUILD TOWARD WHAT MATTERS

Dreams are allowed

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.

→Visual goal cards with progress bars
→Milestone celebrations (25%, 50%, 75%, 100%)
→"Why" field for motivation
→Link goals to specific accounts
→Contribution tracking
→Target date projections

ASK ANYTHING ABOUT YOUR MONEY

Your finances, in plain English

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.

→Natural language queries
→Access to all your financial data
→Pattern recognition and insights
→Available on all plans (message limits vary)
→Privacy-first: your data stays yours

FOR FREELANCERS & CONTRACTORS

Know your numbers when you work for yourself

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.

→Client management with contact details
→Project tracking linked to clients
→Timer widget for live time tracking
→Manual time entry
→Professional PDF invoices
→Recurring invoice templates
→Xero integration (SME plan)

BUSINESS & PERSONAL, CLEANLY SPLIT

Business Accounts: separated at the source

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.

→Personal, Business, or Both — switch views any time
→Business flag on accounts and categories, set once
→Classified at the moment of entry, not at reconciliation
→Clean handover to your bookkeeper or accountant
→Available on Freelancer and SME plans

GST WITHOUT THE SURPRISE

Know your GST position before the return is due

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.

→Dedicated tax account types: GST, income tax, provisional tax
→Set-aside as you earn — the money is there at return time
→GST position visible all cycle, not just at the deadline
→Works for NZ and AU GST registrations
→Flows through to Xero already coded (SME plan)

YOUR NUMBERS ARE YOURS ALONE

Privacy isn't a feature. It's a principle.

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.

→Bank-level encryption (AES-256)
→Row-level database security
→No data selling, ever
→Full data export
→One-click account deletion
→GDPR and privacy law compliant
→Hosted in secure, SOC 2 compliant infrastructure

EVERYTHING ELSE

More tools to help you succeed

Multi-account support

Track checking, savings, credit cards, cash—all in one place

CSV import

Import transactions from any bank with auto-detection

Custom categories

Create categories that match how you actually spend

Recurring transactions

Set up regular bills and income so you don't forget

Transaction search

Find any transaction with powerful filtering

Multiple currencies

Support for international users

Dark mode

Easy on the eyes, day or night

PWA technology

Works on any device, no app store required

How Solvent compares

	Solvent	Mint	YNAB	Spreadsheets
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.

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