SELF.IO

Stop tracking. Start owning.

Stop tracking. Start owning.

Most finance apps tell you where your money went. SELF.IO shows you who you're becoming.

Every expense is a habit. Every habit is a choice. You decide what's building you up — and what's tearing you down.

HOW IT WORKS Log an expense. Name it. Mark it as self-improvement or self-destruction. That's your habit now. Every time you spend on it again, log it under the same name. Watch your money move.

SET A BUDGET THAT FITS YOUR LIFE Enter your monthly budget. SELF.IO breaks it down into a daily number so you always know what you can actually spend — not what you feel like spending.

ARCHIVE YOUR PERIODS When a chapter ends, you close it. Hit Archive Period and get a full breakdown of where your money went and a score out of 100 based on how you lived.

Every euro spent on self-destruction counts double. Go over budget? Lose 20 points. Stay under 75% of budget? Gain 5. Under 50%? Gain 10.

THE VERDICT 70–100 → Thriving 40–69 → Surviving 0–39 → Struggling

No accounts. No ads. No data leaving your phone. Just you, your money, and the truth about both.

Own your habits. Own your life.