Your accounts today.Your balance in a year.
Argentus connects to your bank accounts read-only, sorts each transaction into a budget, and projects your balance month by month. Plan a new rent or a holiday and see what it does to every month after it.
- Read-only bank connections
- Synced every day
The forecast, running on numbers you choose
This is a lighter version of the forecast in the app. It starts from a sample salary, rent and spending. Change any number, or add a scenario such as a new rent, a pay rise or a holiday, and the balance and the cash flow sheet update for every month ahead. Nothing you type leaves this page, and a reload brings the sample back.
- Balance
- Without scenarios
- With scenarios
- Lowest point ahead
Cash flow by category
The last 3 months, this month so far and where it is heading, and the next 3 months
| Actual | Nov 2026 | Projected | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Category | 3-mo avg | Aug | Sept | Oct | Actual | Expected | Dec | Jan | Feb |
| Income | €3,900 | €3,900 | €3,900 | €3,900 | €1,040 | €3,900 | €3,900 | €3,900 | €3,900 |
| Salary | €3,900 | €3,900 | €3,900 | €3,900 | €1,040 | €3,900 | €3,900 | €3,900 | €3,900 |
| Spending | €2,305 | €2,188 | €2,138 | €2,587 | €658 | €2,315 | €2,188 | €2,188 | €2,188 |
| Rent | €1,445 | €1,394 | €1,247 | €1,692 | €445 | €1,508 | €1,450 | €1,450 | €1,450 |
| Groceries | €503 | €452 | €529 | €527 | €119 | €457 | €460 | €460 | €460 |
| Eating out | €261 | €245 | €270 | €268 | €67 | €243 | €168 | €168 | €168 |
| Transport | €96 | €97 | €92 | €100 | €27 | €108 | €110 | €110 | €110 |
| One-offs | |||||||||
| Holiday | -€2,400 | ||||||||
| Net | €1,595 | €1,712 | €1,762 | €1,313 | €382 | €1,585 | €1,712 | €1,712 | -€688 |
| Balance at month end | €3,383 | €5,145 | €6,458 | €6,840 | €8,043 | €9,755 | €11,467 | €10,779 | |
Past months are compared with your monthly amounts: spending in red ran over, in green stayed under. Amounts a scenario changes are in bold purple, and hovering one shows the amount without scenarios. In the app, the past columns are your real transactions, and each category runs at its budget or its recent average. When a scenario holds up, you can save it as a budget.
From your bank feed to next year's balance
The forecast above runs on numbers you typed. In the app, it runs on your own transactions.
- 01
Read-only bank connections
Argentus links to your banks through open banking with read-only access. It sees transactions and balances, cannot move money, and syncs every day.
- 02
Categories you confirm
Each new transaction arrives with a suggested category. You confirm the suggestions in bulk and fix the few that are wrong. Transfers between your own accounts stay out of your spending.
- 03
Budgets by the month
You set a monthly budget per category and change it for a single month when you know that month will cost more. The dashboard compares how much of each budget you have used with how much of the month has passed.
- 04
A forecast with scenarios
The forecast projects every category forward from your budgets or your recent averages. A scenario shows what a change would do before you make it, and you can save it as a budget.
Questions
About the bank connection, the forecast and what Argentus covers.
Can I sign up today?
Argentus is letting people in from a waitlist, a few at a time. Join it with your email on this page, and we'll email you when there's a place. Once you're invited, you create your account with that email, or with Google if it's the same address. If you already have an account, sign in as usual.
Which banks can I connect?
Banks across Europe that offer open banking. Argentus connects through GoCardless Bank Account Data: you pick your bank, approve the access on your bank's own site, and come back to Argentus. You can also add an account by hand and enter its transactions yourself.
Can Argentus move my money?
No. The bank connection is read-only. Argentus sees your balances and transactions, and cannot make payments or transfers.
How does the balance forecast work?
Argentus projects each category month by month, either at its budget or at its average over your past full months. The current month combines what has already happened with what usually comes after today. Scenarios go on top: change a category from a given month, set it to a fixed amount such as a new rent, or add a one-off amount, and the balance chart and the cash flow sheet show what it does to every month after it.
How often are my transactions updated?
Every day. Your bank decides how long the access lasts, often 90 days. When it runs out, Argentus tells you, and you approve it again at your bank.
Which currency does Argentus use?
Euros. An account in another currency shows its balance in that currency and is valued in euros at the day's European Central Bank rate.
Can I track my investments too?
Yes. Record your buys and sells of crypto and US stocks and ETFs, and Argentus values them at market prices and adds them to your net worth.
Is there a mobile app?
Not yet. Argentus runs in the browser, on your phone as well as your computer.
One bank account is enough to start.
Connect it, and Argentus brings in its recent transactions and sorts them into categories. Add your other banks whenever you like. We're letting people in from the waitlist, a few at a time.
Already have an account? Sign in