Budget from payday to payday, calmly.
Calm Coins anchors your budget to the day you get paid, so you always know what's safe to spend. Envelopes, debt payoff and subscriptions in one quiet place.
No sign-up needed: explore a demo with sample data. It's deleted after 24 hours.
- No credit card required
- Multi-currency
- Private by design
Everything you need, nothing you don't
Simple tools to plan your cashflow with confidence, without handing over your bank login.
Payday-anchored budgeting
Plan each cycle around the day you get paid, not an arbitrary calendar month.
Payday cyclesSnowball and avalanche payoff
Compare quick wins against interest savings side by side, and see your debt-free date.
Debt calculatorCommitments and subscriptions
Track renewals and fixed bills so they're covered before any discretionary spending.
SubscriptionsQuick log and shortcuts
Press N or use inline entry to log income and expenses in a few seconds.
TransactionsNo bank connection needed
No aggregators, no shared bank credentials, no broken syncs. Your data stays yours.
PrivacyThree steps to a calmer month
- 1
Set your payday
Tell Calm Coins when you're paid and how much comes in. Every cycle starts there.
- 2
Give every euro a job
Split income into envelopes for bills, debt and everyday spending.
- 3
Log as you go
Add spending in seconds and always know what's safe to spend until next payday.
A better fit than spreadsheets or bank-sync apps
See how Calm Coins compares to traditional spreadsheets and bank-syncing apps.
Manual spreadsheets
- Broken formulas and manual entry errors
- No payday cycle anchoring
- Clunky and frustrating on mobile
Bank scraping apps
- Frequent bank login disconnections
- High subscription costs ($15+/mo)
- Credentials stored with third parties
Payday-first budgeting
- Payday-anchored, zero-based envelope budget
- Private: no bank login scraping
- Exact integer multi-currency maths
- Debt snowball vs avalanche, side by side
Free forever. Every feature.
No paid plans, no ads, no selling your data. Calm Coins runs on coffee — donated by people who find it useful.
- Payday-anchored budgeting and envelopes
- Debt snowball and avalanche planner
- Subscriptions and recurring bills
- Spending insights
- 150+ currencies
- Light and dark mode, on any device
Like it? Fuel the dev.
Totally optional, and it doesn't unlock anything — everyone gets the same app. Pay securely with PayPal or a card.
Buy me a coffee
Keeps the late-night bug fixing going.
Pizza for the dev
Fuels a whole new feature, one slice at a time.
Test phone fund
So Calm Coins gets tested on real phones, not just my old one.
Laptop fund
Helps retire a very tired laptop that builds every release.
Questions, answered
Do I need to connect my bank?
No. Calm Coins works without bank connections. You log transactions yourself, which keeps your credentials private and your budget intentional.
What does payday-anchored mean?
Your budget cycle runs from one payday to the next, so your envelopes match the money you actually have.
Can I use more than one currency?
Yes. Amounts are stored as exact integers per currency, and you can pick from 150+ currencies.
Is it really free?
Yes — every feature, for everyone. There are no paid plans, no ads and no data selling. If Calm Coins helps you, you can buy me a coffee to keep it running.
How do you keep the lights on?
Donations. They pay for servers, the domain and time to build new features. Donating is optional and doesn't unlock anything.
Take control of your cashflow today
Plan from payday to payday, with exact numbers and no bank connection.
The demo needs no sign-up. Already have an account? Sign in