Beryl: Personal Finance

Beryl is a personal finance app for people who want to actually understand their money — not just log it.

Track every account in one place: bank, credit card, cash, investments, crypto, real estate, vehicles, and loans. See your real net worth update in real time as prices and balances change.

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WHAT YOU CAN DO
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💸 TRANSACTIONS
• Log income, expenses, and transfers in seconds
• Categorize with icons and colors
• Add notes and reference any transaction later

🏦 ACCOUNTS
• Bank, card, and cash accounts with utilization and cashflow insights
• Investment and brokerage accounts with stock and ETF positions
• Crypto wallets with live BTC, ETH, and altcoin prices
• Real estate, vehicles, collectibles, and receivables as tracked assets
• Link mortgages and auto loans to the property or vehicle they finance

📊 BUDGETS
• Set monthly caps per category
• See at a glance what's spent and what's left
• Spot overspending before it becomes a habit

🎯 GOALS
• Save toward a target with a clear deadline
• Watch progress build over time
• Log contributions and stay accountable

💳 LOANS & DEBT
• Track every loan with rate, balance, and payment
• Get strategy guidance (avalanche vs snowball)
• Plan your path to debt-free

📈 REPORTS
• Net flow per week, month, quarter, or year
• Income vs spending bars
• Top categories donut chart
• Net worth trend over time

🤖 AI ADVISOR
• Weekly summary of your money habits
• Quick wins to improve cashflow
• Ask questions, get human-readable answers

📚 LEARN
• Built-in finance library with 23 lessons across 5 topics
• Investing, budgeting, debt, saving, and mindset
• Track your completion as you go

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WHY BERYL
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✓ Clean, calm design — no clutter, no aggressive ads
✓ Privacy mode — blur your numbers in public
✓ Offline-first — your data stays usable without signal
✓ Multi-account net worth in one screen
✓ No bank linking required — you stay in control

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WHO IT'S FOR
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• Anyone who wants a clear picture of their money
• People building toward FI, a house, a trip, or just less stress
• Investors who hold stocks, crypto, and real assets together
• Couples and individuals who'd rather log their own data than hand it to a bank aggregator

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Beryl is currently free during early access. Sign in with email, add your first account, and you'll see your net worth in under a minute.

Questions or feedback? We read every message.