A Spending Plan That Actually Works
Forget rigid budgets that make you feel bad. Solvent's spending plan puts you in control — one intentional choice at a time.
Your money, your choices
Plan Before You Spend
Allocate your income to categories before the month begins. Every dollar has a purpose.
Manual Entry Creates Awareness
You enter each transaction yourself. This isn't a limitation — it's the point. Awareness is where change begins.
See Reality in Real-Time
Watch your spending plan respond as you spend. Know exactly where you stand, always.
No Judgement, Just Information
Solvent shows you the numbers without shame. Overspent a category? Adjust and move forward. It's just information.
Three steps to financial clarity
Set your income
Tell Solvent what you have to work with
Allocate to categories
Decide where your money should go
Track as you spend
Enter transactions, stay aware, adjust as needed
“A budget feels like restriction. A spending plan feels like intention. Same tool, different relationship with your money.”
Why we ask you to enter transactions yourself
Most apps connect to your bank and show you what happened. That's reporting, not awareness.
When you enter each purchase yourself, something shifts. You pause. You notice. You choose.
This small friction is the feature. It's the moment of consciousness that creates lasting change.
We're not anti-automation. We're pro-awareness. And awareness requires participation.
Continue your journey
Spend with intention
Your relationship with money can change. It starts with awareness.