FREM links your accounts, sorts personal from business, and shows what you actually spent beside what you planned to.
Read-only bank access. FREM can see balances and transactions. It can never move money.
Most budgeting apps stop at what you type in. FREM keeps your guess and lays the bank's answer next to it. The gap is where the money goes.
Say what you think you spend. Link your accounts. Every month, each category shows the guess, the fact, and the difference. Unknown merchants get sorted automatically; fix one and it stays fixed for every transaction like it.
Run an LLC or freelance on the side? FREM keeps a personal ledger and a business ledger from one login. When you move money from the company to yourself, it asks once: salary or distribution? Then both books stay right, forever.
Employees skip all of this. FREM only shows business features to people who have a business.
Review · transfers between your ledgers
Business Checking → Personal Checking
77 transfers · $3,597 this year
Business ledger
− $3,597 owner pay
Personal ledger
+ $3,597 income
Your goals draw from the surplus you actually clear, not the one you hoped for. Link a goal to a real account, decide how much of that balance belongs to it, and watch it grow at that account's rate. A goal that can't be reached says so.
House down payment
Linked to Brokerage ····4471 · 80% of balance · grows ~7%
Funded from measured surplus, weighted by how important it is and how soon it's due. Retirement in 2056 stays important without pretending to be urgent.
Connect your banks read-only through Plaid. History arrives on its own, categorized.
Answer the few things a bank feed can’t know. Business or personal? Salary or distribution? Once each.
Budgets, goals, and the AI advisor all run on measured numbers. What you do about them is the only part left to you.
Free for 14 days, then from $9.99 a month. See pricing