Features
Every feature. One app.
Connect your banks across the UK, EU, US, and Canada. Budget, invest, and plan in one place, in every currency you use.
Track
Connect your banks across the UK, EU, US, and Canada and see every account, every currency, in one view. Endute handles the conversion in the background.
Every account, one place
- Multi-bank, multi-currency support out of the box
- Live balances refreshed daily via Open Banking
- Group by country, currency, or account type
Net worth, tracked over time
- Every asset and liability, automatic
- Trend chart back to your first connection
- See the impact of every move you make
Live in more than one currency
- Auto-conversion to your home currency
- FX rates updated daily
- Per-account display in the local currency
Budget
Set budgets in any currency, see where you stand at a glance, and get nudged before you go over.
Budgets that move with you
- Income and expense budgets
- Progress bars by category
- 6-month trends for easy adjustments
Where the money actually went
- Category breakdown, month over month
- Filter by account, category or merchant
- Drill into any transaction in two clicks
Smart nudges, not noisy alerts
- Streak tracking for on-budget months
- Unusual spending alerts you can trust
- Compare against your own past, not strangers
See it working on your own numbers.
Invest
Real performance metrics on real holdings, alongside the rest of your money.
Every holding, one view
- Stocks, ETFs, funds, all of it
- 150,000+ symbols across all asset categories
- Daily price and value updates
How you are actually doing
- Time-weighted and money-weighted returns
- Charts back to inception
- Per-account or whole-portfolio view
Compare against the index
- Market price and holdings value over time
- Add custom/non-public holdings
- Daily change calculation
Plan
See your money's future. Forecast cash flow, hit goals, and stay ahead of every scheduled bill.
What your balance looks like in 90 days
- Cash-flow projection from real transaction history
- Learns from your spending habits over time
- Spot a shortfall before it lands
Save for the things that matter
- Set goal targets
- Set monthly contributions from surplus
- Pace and ETA per goal
Bills and direct debits, anticipated
- Recurring detection from your transaction history
- Add manual one-offs for the irregular stuff
- See what is coming this week or month
Retire
Model your path to financial independence with multi-phase retirement planning, Monte Carlo simulation, historical backtesting, and interactive what-if scenarios. Built on your real bank data, not guesses.
Multi-phase retirement timeline
- Define life stages: accumulation, coast, early retirement, late retirement
- Per-phase accounts, income sources, budgets, and tax rates
- Draggable phase boundaries on a visual timeline
Projections you can trust
- Month-by-month deterministic simulation from real portfolio balances
- FI number, time to FI, Coast FI age, crossover point, effective SWR
- Inflation-adjusted toggle to see everything in today's money
Monte Carlo and historical backtesting
- 1,000 randomised scenarios show the probability your plan survives
- Replay your plan against every starting year since 1871
- Success rates, fan charts, and worst-case spaghetti paths
What-If Explorer
- Drag sliders for growth, inflation, income, tax, expenses, and plan horizon
- Per-phase overrides for granular scenario modelling
- Watch the projection chart update in real time
Ready to see everything in one place?
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