Built on principles that have helped people change for decades

If you've worked a program, you know about tracking spending. The pocket notebook. The daily record. The practice of writing down every purchase to build awareness.

It works. It's worked for decades. But carrying a notebook everywhere isn't always practical. And transcribing paper records into spreadsheets? That's where many of us fall behind.

Solvent is the digital pocket book. Same practice. Same principles. Just faster to use and easier to maintain.

Other apps connect to your bank and show you what you already spent. That's useful for some things. But it bypasses the practice.

The awareness comes from entering each transaction yourself. Feeling the number. Choosing the category. Making the spending conscious.

Solvent keeps that practice intact. Category. Amount. Done. Ten seconds. The same moment of awareness, just faster than pulling out a notebook.

We could have added bank sync. We didn't. On purpose.

You've probably heard enough judgment about money. From yourself. From others. From the culture around you.

Solvent doesn't add to that pile.

No red screens. No shame alerts. No “bad spending” labels. Just clear information about where your money went and where it's going.

What you do with that information is between you and your program. We just provide the visibility.

If you've worked with spending plans before, Solvent's approach will feel familiar.

Enter your expected income. Allocate to categories. Track planned versus actual as you go.

The difference: it updates in real time. You always know where you stand. No waiting until month-end to discover you're over.

And when things don't go as planned? No drama. Just information. Adjust and keep going.

Recovery teaches that we're not just moving away from something. We're moving toward something.

Solvent includes both. The Debt Crusher helps you see your path out of debt—snowball or avalanche, your choice. The Goals & Dreams section helps you define what you're working toward.

Emergency fund. Travel. Education. That thing you've never let yourself want because it felt too far away.

Start visualizing it now. Because getting solvent isn't the destination. It's the foundation for what comes next.

Anonymity is a tradition. So is protecting what's shared in confidence.

Solvent takes privacy seriously:

• → No bank connections—nothing to compromise
• → We know only what you tell us
• → Row-level database security (even our team can't see your data)
• → No data selling, ever
• → One-click export and deletion

Your financial recovery journey stays yours.

Recovery principles shouldn't be paywalled. That's not how this works.

Solvent's free tier isn't a teaser. It includes everything you need for the core practice:

• → 3 accounts
• → 100 transactions per month
• → Basic spending plan
• → 2 savings goals
• → AI assistant (limited queries)

It's enough to do the work. Forever.

The paid tiers add convenience features: more accounts, CSV import, unlimited transactions, business tools. But the practice itself? That stays free.

This isn't charity. It's alignment with principles that matter.

I built Solvent because I needed it.

Nineteen years ago, I found a program that changed my life. Later, I found another program that changed my relationship with money. The principles worked. But my implementation—three spreadsheets, a notebook, scattered systems—kept falling apart when life got busy.

So I built something different. An app that embodies the principles. That makes the practice sustainable. That helps people like me stay conscious with money one day at a time.

This isn't a product designed by people who don't understand the journey. It was built from inside it.

— Matt