Track your financial future in real time

A living financial plan that updates as your life does. Connect your accounts, set your goals, and watch your future take shape.

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5.0 on the App Store

So intuitive, so easy. Life changing.

Best budgeting app I've ever used. It's so much easier to set up and it does the work for you. It feels easy and user friendly in a way every other budgeting app I've tried has failed to capture.

Best FIRE finance tracking app

Other apps don't come close to this usability and feature set. Love seeing my outlook update in real time. Seamless tracking with my partner makes this a must have for any couple on this journey.

Finally replaced my spreadsheet

I've been tracking my FIRE number in a Google Sheet for 3 years. Modest does everything my spreadsheet did and more — the real-time net worth updates and goal timeline are exactly what I needed.

Review progress month to month

Modest surfaces the numbers that matter — net worth, FIRE progress, spending trends — without you having to dig. Every dashboard is built around your goals.

Net worth

$148,320

Jan Mar May Jul Sep Nov

Monthly spending

Jan

Feb

Mar

Apr

May

Jun

FIRE progress

34%

On track for 2041

Everything you need to stay on track

Monthly budgeting

A living budget that updates automatically as transactions come in — no manual entry required.

Smart, custom categories

AI suggests categories based on your spending patterns. Rename, merge, or create your own.

Recurring transactions

Subscriptions, rent, and regular bills detected and tracked automatically.

Plan cash buffer

Know exactly how much to keep in checking so you never overdraft — and never over-save.

Generate reports

Monthly summaries, year-in-review, and goal progress reports — shareable as PDFs.

Invite your partner

Share a live view of your finances with your partner. Separate logins, one shared plan.

More features coming soon