Principles into practice
Give every coin a purpose.
Turn each paycheck into a calm, adjustable plan: keep a share first, spend consciously, clear debt and see the wealth you are building.
No account required Private by default No bank connection required
09:41August plan
Your money, made clear.
Available cash flow€1,224€645 kept for your future
AddPlanWealth
Keep first15% target
88%
Spending planOn course
Six-month cash-flow trend
Private by designStart on your device. Sync is optional.
Local-firstUseful before sign-up
Every ratio adjustsNo rigid money rules
Sources statedOriginal, careful synthesis
Manual worksBank sync stays optional
Plan before tracking
Move the assumptions. See the decision change.
This small preview is immediate; the complete free-plan flow adds goals, income pattern, required payments, safety runway and a review before account creation.
Interactive paycheck preview
Try the first decision now.
Your inputs stay in this browser and are not uploaded.
Built for real decisions
Know what to do next—not just what happened.
Most trackers organize yesterday. Tenthwise connects today’s numbers to a small, useful action without judging the person behind them.
One honest money map
Income, essential costs, flexible spending, savings, investments and debt stay visible without turning your life into a spreadsheet maze.
A keep-rate you control
Start around a memorable percentage, then adjust it to income volatility, necessary costs and your current safety margin.
One next useful step
The dashboard surfaces a practical action: record income, strengthen a buffer, compare debt paths or review long-term fees and risk.
The Tenthwise method
Four moves that turn principles into a system.
Inspired by the first tenth in The Richest Man in Babylon, then strengthened with conscious-spending, cash-flow, habit and behavioral-decision frameworks.
Reserve a share first.
Choose a sustainable rate and make the transfer visible. A missed month becomes a review, never a broken streak.
Clason · Sethi · RobbinsGive the rest clear jobs.
Separate essential commitments, flexible choices and goals. Plans are signals—not moral scores.
Clason · conscious-spending systemsProtect the downside.
Build runway, compare debt costs, make fees visible and slow down high-pressure decisions.
Clason · Kahneman · MarksLet time do honest work.
Track productive assets, earning capacity and patient contributions with scenarios that never promise a return.
Kiyosaki · habit research · investor education Your workspace, your order
A dashboard that adapts to the decision in front of you.
Drag cards into the order that makes sense, hide noise and use professional charts that clearly separate facts from projections.
Drag-and-drop overview
Cash flow, keep-rate, spending, goals, net worth and trends in a rearrangeable grid.
Debt recovery with visible assumptions
Compare avalanche and snowball, plus an optional adjustable 70/20/10 recovery scenario.
Scenario charts, never promises
Change contribution and illustrative return inputs; see taxes, fees and uncertainty called out.
Share only a reduced snapshot
Choose percentages, goals or net worth. Transactions, notes and account names stay out.
Tenthwise overviewFictional dataMonthly cash flow€1,224
Pay yourself first€645
88%
Six-month trend
Home deposit28%
No-sign-up proof
Explore the whole product with fictional data.
Open a filled workspace, edit transactions, move dashboard cards and compare debt scenarios. The demo never pretends to be a real customer or a financial result.
Sample monthly income€4,300
Sample keep-rate15%
Sample goals2 active
Maya, all transactions and every amount are synthetic. No testimony or savings claim is implied.
Clear starting prices
Begin free. Pay only when deeper automation earns its place.
These launch-candidate prices are transparent and will be tested with real users before commercial release. Taxes and renewal totals appear before checkout.
Build the core habit
A genuinely useful guided plan and manual workspace.
€0forever
- Plan preview before signup
- Manual activity, budget and goals
- Core reports, lessons and exports
- Local-first use
Run the complete money system
Advanced analysis, recurring reviews, scenarios and sync.
€9.99/ month
€95.90/year · 20% saving
- Everything in Free
- Unlimited goals and templates
- Recurring tools and advanced reports
- Cloud and household controls when ready
Build with controlled access
API, webhooks, sandbox and multi-workspace tools after those capabilities clear testing.
€24.99/ month
€239.90/year · 20% saving
- Everything in Plus
- Scoped API and webhooks
- Sandbox, audit log and reports
- Professional roles and support
No card is required for Explorer. Monthly and annual totals, taxes, renewal and cancellation terms are shown before any paid order.
Practical learning library
Learn one decision at a time.
Original tutorials explain the principle, the math, the limits and the action—without republishing copyrighted book text.
Start here · 7 min
How to pay yourself first when life is not predictable
Choose a keep-rate that survives irregular income, necessary spending and missed months.
Debt · 9 min
Debt snowball vs avalanche: motivation and interest compared
See how both methods work, what the math leaves out and how to choose without shame.
Safety · 8 min
Build an emergency fund around your real runway
Turn essential monthly costs and income stability into a flexible safety-buffer range.
Your first tenth is only the beginning
Make the next payday easier to decide.
Start locally, choose an adjustable keep-rate and save your first honest money map. No bank connection and no card required.