Capital: Money Planner

Capital is a personal finance planning app that helps you understand where your money is heading. Unlike traditional expense trackers that focus on past transactions, Capital helps you shape the future: plan income and expenses, project account balances month by month, and make decisions before money becomes a problem. Financial planning should feel calm and clear—not like daily bookkeeping. That is why Capital focuses less on recording every purchase and more on understanding your financial trajectory. THE CAPITAL PRINCIPLES 1. Decide what to do with your money before you spend it Build your budget in advance. Allocate money across categories, add future income and expenses, and create a realistic financial plan. With Capital, you can: — plan your budget months ahead; — create your own categories; — schedule recurring income and expenses; — work with multiple currencies; — see your projected balance for each month. 2. Know what you will pay today—and months from now Look beyond the current month. Plan vacations, major purchases, loan payments, subscriptions, and other recurring expenses in advance. Want to know whether you will have enough money six months from now? Open that month and check your projected balance. It is not a guess. It is the result of your plan. 3. Pay yourself before paying everyone else Financial planning is not only about spending. It is also about building capital. Track savings, assets, liabilities, credit cards, and debts in one financial picture. Set money aside for your goals and see how today’s decisions affect your future capital. 4. Make financial planning part of everyday life Managing money should not be stressful. Capital does not require you to record every purchase perfectly. Instead, periodically reconcile your account balances, compare your plan with reality, and adjust the months ahead when life changes. The goal is not a perfect history of your spending. It is a clear and confident view of your future. WHY PEOPLE CHOOSE CAPITAL — Planning instead of endless expense tracking — Month-by-month financial projections — Simple account balance reconciliation — Recurring income and expenses — Support for savings, assets, liabilities, credit cards, and debts — Multiple currencies with automatic conversion — Flexible budget categories — A clean, focused mobile interface — A calm approach to personal financial planning Capital helps you make decisions earlier, reduce uncertainty, and turn financial planning into a useful habit.