The Product
No complicated setup. No bank connections. Just clarity about where your money goes—and where you want it to go.
Solvent doesn't need access to your bank. You don't have to wait for accounts to sync. You start building clarity from day one.
Set up the accounts you want to track—checking, savings, cash, credit cards. Give each one a starting balance. That's your foundation.
Start with the basics: groceries, transport, bills. Add what matters to you. We'll suggest common categories, but your system should reflect your life.
Open Quick Entry. Pick a category. Enter the amount. Done. You just practiced conscious spending.
Quick Entry is where the magic happens. It's designed to be fast enough to use every time—and meaningful enough to create change.
“The goal isn't perfect tracking. It's conscious spending. Even catching 80% of your transactions transforms your relationship with money.”
Your Spending Plan is where intention meets reality. It's zero-based budgeting without the spreadsheet complexity.
How It Works:
Philosophy: We don't yell at you when you overspend. No red screens of shame. Just clear data so you can make informed choices about what to do next.
Debt isn't a moral failing. It's math. And math can be solved.
Pay minimums on everything, throw extra at the smallest balance. Feel the wins as debts disappear. Momentum builds motivation.
Pay minimums on everything, attack the highest interest first. Mathematically optimal. Save more in total interest paid.
See exactly what happens if you pay an extra $50, $100, $200, or $500 per month:
Move the slider. Watch the numbers change. Find what's possible.
Getting out of the red is necessary. But it's not the destination.
Solvent helps you define what you're working toward—and track your progress with every contribution.
Examples: Emergency fund • Vacation • New car down payment • Business launch • Kid's education • That thing you've always wanted but never felt you could have
We call this section “Dreams” not “Goals” in the app. Because sometimes you need permission to want more than just getting by.
Solvent includes an AI assistant that understands your financial data. No complex queries. No report generation. Just ask.
Example Questions:
How It's Different: The AI doesn't lecture. It doesn't shame. It gives you the information you asked for—clearly and directly. What you do with that information is up to you.
Privacy: Your financial data stays yours. The AI processes queries against your data in real-time. We don't train models on your information or share it with third parties.
For Freelancers
If you're self-employed, your financial clarity depends on knowing both sides: personal and business. Solvent handles both.
Track who you work with, their contact info, and project history.
Organize work by client and project. Know what's active, what's complete, what's pending payment.
Built-in timer or manual entry. Track hours by project. See where your time actually goes.
Generate professional invoices from your tracked time. PDF export. Send directly or download.
Xero Integration (Pro tier): Sync invoices with Xero for seamless accounting.
We take data protection seriously. Here's how we keep your information safe.
Solvent knows only what you tell it. We don't aggregate your data. We don't sell insights. We don't build profiles. Your financial life is yours.
Pricing
$0
3 accounts, 100 transactions/month, 2 goals
$9/mo
10 accounts, unlimited transactions, CSV import, 5 goals
$19/mo
Unlimited accounts, time tracking, invoicing, 10 clients
$39/mo
Everything + Xero integration + unlimited AI
Join the beta and lock in 50% off for life.
Start with the free tier or join the beta for 50% off paid plans.
Join the Beta