Say what you have
Type the cash you hold today: bank, wallet and notes together. That is the starting line.
- Bank, wallet and notes all count.
- A rough number is fine; correct it any time.
Money, measured in time
See how much time your money can buy.
A personal finance app that tells you how long your money lasts. Your cash, your costs and your goals on one clock, plus an advisor that reads your real numbers and tells you what to do next.
Or just say it: “I spent 450 on groceries.”
Free to start · No card needed · English and বাংলা
Runway left
3 months 24 days
$122,000 cash ÷ $32,000 a month
- Liquid cash
- $122,000
- Monthly costs
- $32,000
- If you drop a $5,000 cost
- +21 days
- A $2,400 purchase
- −2 days
An example. Yours is built from your own numbers.
How it works
Your money, as time, in six quick looks
No jargon and no spreadsheets. Swipe, tap a step or let it play: the whole idea in under a minute.
Step 1 of 6
Add what you spend each month
Rent, bills, school, instalments. Together they are your burn: what a month costs to live.
- Rent, bills, school, instalments and subscriptions.
- Weekly or yearly costs are turned into a monthly burn for you.
Cash becomes time
Cash divided by burn is how long you can go. It ticks down live, so every month, week and day is visible.
- Cash divided by burn is how long you can go.
- It ticks down live, and every move changes it.
Just talk to it
Say what happened, or paste the bank or wallet message. It logs the move and shows what it did to your time.
- Speak, type, or paste a bank or wallet message.
- You see what each move did to your time at once.
Try a decision first
Before you buy, cut or borrow, see it as days gained or lost. Then choose with your eyes open.
- Test a purchase, a cut or a loan before you commit.
- Combine ideas, or tap your savings to see your safety net.
It never flatters you
Late bills count as spent. Money you only expect stays out of the clock until it really lands. What you owe comes off your cash.
- Missed payments are money already gone.
- Expected income is shown, but never counted early.
Talk to your money
Just talk to your money.
Tap the microphone and say what happened, in English or বাংলা. Log a payment, update your balance, add a card, a deposit or a medicine, or ask what you can afford. It shows you what it understood, and nothing is saved until you say yes.
Things you can simply say
- Log what you spent or earned
- Update your balance after a few days away, and explain the gap later
- Add bills, cards, deposits and money you expect
- Track medicines for yourself or your family
- Set a goal and add to it as you save
- Ask what you can afford, answered in time
Voice is free to start. Pro adds natural-sounding replies read aloud.
Talk to your money
I spent 450 on groceries today.
Out 450, groceries, today. That is about half a day of your runway. Save it?
Can I afford a 2,400 laptop?
It would cost you 21 days of runway. You would still have 3 months and 3 days. Waiting a month would cost nothing.
My mother takes metformin, morning and evening.
Added for her, with reminders 15 minutes before each dose and a note when the strip runs low.
What is inside
More than a balance. A plan.
TimeIsMoney reads your real numbers and tells you where you stand, what comes next, and what each choice costs in time.
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An advisor that knows your numbers
Ask by voice or by typing. It sees your cash, costs and spending, shows where you are on the road to financial freedom, and gives one clear next step in plain words.
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A clock you can trust
Missed payments count as spent. Income you are expecting never counts until it has landed, so a client who pays late cannot flatter your clock. Everyday spending shows up in a realistic runway. No flattering numbers.
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Every choice, in time
See a purchase as days of runway and as hours of your own work, at the burn rate of the day you made it.
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It learns your rhythm
Which weekday costs you most, how your pay day shapes the month, which months and festivals run hot. Worked out from your own history, and only once there is enough of it to be true.
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Goals with a pace
Save toward something, or hold months of costs in cash. Say or type "save 50,000 for a bike by March" and the advisor sets it up once you confirm. Each goal shows the monthly amount it needs, what you actually keep, and what it equals in days of runway.
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Log a payment from the message
Paste a payment SMS or share it straight to the installed app: bKash, Nagad, UPI, M-Pesa, JazzCash, bank and card alerts from many countries. It reads the amount, currency, direction and transaction ID on our server, and you check it before it saves. The message is never stored. If our patterns cannot read one, you can choose to have an AI read it, with phone and account numbers hidden first.
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Any currency, at today's rates
Log a payment in euros or taka and keep one set of books, converted at daily market rates. Show numbers in Bangla digits if you prefer, set your own time zone, and turn on two-factor sign-in. Export or delete everything, any time.
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A map of where it all went Pro
Every source of income flowing through your cash to rent, tools, food and savings, for the last six months. One picture where a spreadsheet would give you a hundred rows.
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Advice that knows what the world is doing Pro
Open data from the World Bank tells the advisor what inflation is really costing the cash you leave idle, and whether your deposit beats it. Public holidays warn you when a bill lands on a closed bank day.
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Your rates against the market's Pro
See your deposit next to what banks in your country typically pay, and your card installments next to typical lending rates, from World Bank data.
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Shared books, safe by design Max
Invite people as editors or view-only. Every change to a money move is logged with who made it and when, and nobody can edit the log.
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Invoices that feed your runway Max
Send invoices and quotes. Unpaid ones become money owed and flow into your runway. Statements and company roll-ups included.
Built on open data (World Bank, Nager.Date, exchange-api). Only a country or currency code is ever requested; nothing about you leaves your account.
What each plan is really for
Start free. Add more power when you want it.
Every plan keeps the same honest clock. Each one adds a different kind of help.
Free · Free, always
Know exactly where you stand
Everything you need to see your real runway and log money the easy way. Free for good, with no card.
Runway today
12 months 1 day
- Cash
- $12,400
- Burn a month
- $1,030
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A clock that ticks
Cash and monthly costs, turned into months, days and seconds you can watch run down.
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Honest by default
Missed payments count as spent. Income you are only expecting is not counted until it lands.
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Say it, text it, paste it
Talk to log a move, or paste a bank or wallet SMS. 20 voice logs and 3 receipt scans a month.
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Debts, cards and money owed to you
Track what you owe, what is locked in deposits, and what clients still have to pay, even part paid.
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Made for where you live
Any currency at daily rates, Bangla digits, your time zone and your public holidays.
Pro · $3.17 a month
See the future before you spend
For people who want to plan, not just record. Test choices, protect savings and talk to your money without limits.
If I tap my savings
+5 months
- New phone
- −27 days
- Cancel subscriptions
- +15 days
Everything in Free, and:
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The What-if lab
Buy it, cut it, borrow it, combine it. Every scenario shown as days gained or lost, worked out on your real books.
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Your savings safety net
How long could you last if you tapped your savings? One pot at a time, or all of them together.
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Talk your money out
Voice for everyday logging, plus long talks: ramble for ten minutes about your money and it sorts the lot into logs, costs, cards, debts and savings.
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An advisor that speaks
Answers read aloud in a natural voice, plus advice shaped by inflation and market rates.
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Medicines, for the whole family
Doses, supply and cost. Insulin tracked by the ml, and a caretaker mode for people you look after.
Max · $6.35 a month
Run a home or a business like a pro
For freelancers, families and small teams who keep more than one set of books and need to bill people.
Company runway
8 months 2 days
- Invoice sent
- $3,200
- Client owes
- $1,450
Everything in Pro, and:
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Many accounts, many books
Separate accounts and project books, each with its own cash and its own runway.
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Invoices that feed your runway
Send invoices and quotes, print statements, and watch expected income turn into real time.
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Businesses and clients
A company runway across all its projects, with every client and what they owe in one place.
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Shared books, safe by design
Seats for up to five editors and view-only guests, with a log of who changed what.
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The most room to scan and listen
150 receipt and statement scans a month and the biggest allowance of natural voice replies.
How it works
Three inputs. One runway. Clearer moves.
TimeIsMoney converts cash and burn into a live countdown — then prices every decision in days, not just dollars.
Liquid cash ÷ Monthly burn = Runway days
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Set starting cash
Open with what you can actually spend today.
- Enter bank + wallet balances only.
- Skip locked FDs and unpaid invoices.
- This becomes your liquid baseline.
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List monthly burn
Name the repeating costs that drain the buffer.
- Add rent, living, tools, payroll.
- Use monthly amounts (or convert them).
- Burn sets how fast days disappear.
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Decide in days
Ask what you can do, or log a move. The clock answers when you confirm.
- Speak or type a question.
- Money in and out stay one tap away.
- See days gained or lost, then commit.
For everyone
Money looks different in every home.
Some people are paid monthly, some by the job, some in two currencies. Some send money home. TimeIsMoney takes the shape of your life instead of asking you to fit a template.
Read about sending money home →
Built in Bangladesh, for everywhere.
Why this works
Because “$400” feels abstract. “4 days” doesn’t.
Most of us don’t feel money leave until rent is due. TimeIsMoney shows spend as days of life left — the unit people already understand and protect.
Feels 2×
Losing hits harder than gaining
A weekend spend of $400 is easy to shrug off. “You just lost 4 days” is harder to ignore — so you pause before you tap pay.
Built on loss-aversion research (Kahneman & Tversky)Days > $
Days feel real. Balances don’t.
“$8,000 in the bank” sounds fine. “78 days left” is a countdown you can feel — like days until payday.
Near, concrete time changes decisions (construal research)Before you pay
Feel the cost before the money leaves
Cards and wallets make spending painless. Showing days lost before you confirm puts the “ouch” back — early enough to change the choice.
Payment-pain research (Prelec & Loewenstein)3–6 mo
Most people are already running tight
Guides say keep a few months of expenses. Many households don’t. Seeing runway makes that gap visible — not scary for drama, useful for planning.
Common emergency-savings guidance worldwideOne number
“I still have money somewhere” is a trap
FD here, wallet there, card due next week — the brain keeps separate pots. One runway number stops the “I’m fine” story when you’re not.
Mental accounting (Thaler)Today vs later
Today always wants to win
Impulse buys win because tomorrow feels far. A ticking runway puts tomorrow’s cost on today’s screen — in days you don’t want to lose.
Present-bias research (O’Donoghue & Rabin)Access
Plans that grow with the decisions you make.
Free
Your runway and an advisor, free to start
Free
20 voice logs a month
Includes
- Cash activity
- Fixed costs
- Recurring patterns
- Runway countdown
- Time lost
- Expected retainers
- Fixed deposits
- Credit cards
- Money Talks: an advisor that reads your numbers and shows your road to financial freedom
- An honest clock: missed payments count as spent, and expected income never counts until it lands
- Every purchase as days of runway, and hours of your own work
- Log a payment in any currency, at daily market rates; your books stay in one
- Paste or share a payment SMS (bKash, Nagad, UPI, M-Pesa, bank and card alerts) to log it
- Scan a statement photo, screenshot or receipt into moves you review (3 a month)
- Invite a friend and you each get a month of Pro (up to 12)
- Heads-up from your advisor before a bill or a short runway catches you, plus an optional weekly runway email
- Savings you set aside and leave alone: the type, where each is kept, and spending paid from them, never counted in your live runway
- Goals with a monthly pace (two at a time) and spending patterns learned from your own history
- Bangla digits, your own time zone, and public holidays on the calendar
- A record of who changed what, and optional two-factor sign-in
- Categories for everyday life and for work, charts, money you owe and money owed to you
- Add money from the past, today, or still to come: back-dated moves, expected income, fixed deposits, and credit cards with EMI plans
Pro
Most usefulFor irregular income and bigger decisions
$3.17/mo
$31.73 a year
150 voice logs a month
Everything in Free, plus
- What-if scenarios
- Inflation and market-rate advice
- Money flow map
- Unlimited goals
- Medicine tracker
- Natural voice replies
- A much bigger voice and chat allowance with the advisor
- What-if for paying what you owe, or collecting what is owed to you
- Medicine tracker for you and your family: dose reminders by email and in the app, supply run-out dates, and what medicines cost each month
Max
Teams & companiesFor teams, projects and companies
$6.35/mo
$63.55 a year
300 voice logs a month
Everything in Pro, plus
- Multiple accounts
- Project books
- Income, cash flow, and position
- Invoices and quotes
- Businesses and clients
- Invite up to 5 people to a project as editors or view-only
- Invoices and quotes with PDF; unpaid invoices become money owed in your runway
- Income statement, cash flow, and statement of financial position
- Businesses, clients and logos on documents
- A company runway that adds up every project under that business
- See which seat logged each money in and money out
Each project is its own book — opening cash, costs, runway, statements, and invoices — with up to 5 invited seats. Every money in and money out on that book shows which seat logged it. Invitees keep their personal finances and that project. Creating projects needs Max.
Free includes 20 voice logs each month, Pro 150 and Max 300 (about 5 and 10 a day). They reset on the monthly anniversary of your account. When they are used up, voice stops until that date. Add credits by upgrading to Pro or Max to continue right away, or wait for the reset. Typing your entries by hand is never limited.
Hearing replies read aloud in a natural voice is a separate allowance: about 12 replies a month on Pro and 24 on Max, counted by characters and renewing on the 1st. It is a text-to-speech service we pay for per use, so it is capped. When it is used up, or on Free, replies are read in your browser’s own voice. Speaking to the advisor has its own monthly allowance, shown above.
Invite a friend
Bring a friend. You both get a month of Pro.
Share your personal link. When your friend joins, confirms their email and logs their first real move, you each get 30 days of Pro, added on top of whatever you already have. You can earn up to 12 months this way.
- Sign up free and open Invite to find your link.
- Send it to someone whose money you would like to see lasting longer.
- They confirm their email and log a first move.
- You both get 30 days of Pro. It is added to your account on its own.
Made-up accounts earn nothing: the friend has to confirm a real email and log a real move.
You
+30 days of Pro
Your friend
+30 days of Pro
Up to 12 months of Pro for you
Try it
Play with your own numbers
Move the sliders on the try page and watch the clock change. No account needed.
Free tools and guides
Work out how long your money lasts, and learn how to make it last longer.
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Runway calculator
Enter your cash, costs and income and see your runway in months and days. Free, private, no signup.
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What is financial runway? A plain guide for individuals
Financial runway is how long your cash lasts at your current spending. Learn the formula, a worked example, and how to make yours longer.
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How many months of expenses should you save?
A practical way to size an emergency fund: three, six or twelve months, depending on how steady your income is, who relies on you, and what you owe.
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How to budget on an irregular income
Freelancer, commission or seasonal pay? Pay yourself a base amount, build a buffer first, and watch your runway instead of one month’s earnings.
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How to track bKash and Nagad spending
Your mobile wallet is where your money goes, but its history is not a budget. A simple routine to record bKash, Nagad and bank spending without typing everything.
Know how long your money lasts — before it runs out.
Create an account. Your runway starts with the cash you can spend today.
