Molecule: Budget & Save

Your money should make room for your life. The everyday spending. The bills coming up. The thing you keep meaning to save for. Molecule brings them into one clear plan, so your next money decision feels less like guesswork. Build a budget. Understand your spending. Give your savings a purpose. Molecule is a personal budget planner, expense tracker and savings companion designed around the part of your finances you can take action on. No bank connection. No account to create. Just your numbers, your priorities and a clearer next step. KNOW YOUR DAILY SPENDING GUIDE Set your monthly take-home plan and savings target. Molecule works out a daily spending guide after your logged expenses, unpaid bills due before month-end and the rest of your savings target. See what is left in your plan, and spot a shortfall before adding more spending. GIVE EVERY CATEGORY A LIMIT Create monthly budgets for food, shopping, transport, entertainment and more. See what you have spent against each limit. Reuse last month's category limits to make your next budget easier to set up. CATCH THE LITTLE THINGS THAT ADD UP Log expenses and see where your money goes. Your weekly review compares the last seven days with the previous seven, highlights your biggest spending categories and gives you a useful starting point for your next decision. Export your expense history as CSV text when you want to work with it elsewhere. THINK IT THROUGH BEFORE YOU BUY Wondering how a purchase fits? Enter the amount in the Savings Lab to see what it would leave in your monthly plan. Explore how setting aside a small amount each week could add up over a year. See the trade-off, then decide what matters to you. STAY AHEAD OF BILLS AND SUBSCRIPTIONS Keep upcoming payments in view. Review the annualised cost of the recurring subscriptions you enter. Mark a bill paid and log the expense together, or mark it paid without logging again if you already entered it. Less double entry. A more useful picture. TURN “SOMEDAY” INTO A SAVINGS GOAL A safety net. A holiday. A home deposit. Something entirely your own. Set targets and deadlines, update your progress and see the monthly contribution needed to move toward them. Give the money you set aside something to mean. KEEP YOUR BIGGER PICTURE Budgeting is the beginning. Molecule also includes income tracking, debt payoff calculators, net worth tracking, manual investment tracking and financial learning paths. Keep the tools for your next chapter close without losing sight of today's priorities. START SIMPLY. KEEP GOING. A guided, interactive introduction helps you explore the tools and choose your focus. Then enter your real amounts and build a monthly plan you can adjust as life changes. No complicated bank setup stands between you and getting started. YOUR NUMBERS STAY WITH YOU Your financial entries are stored on your device. Core planning and tracking work offline. App Store purchases and restoration require a connection. Choose GBP or USD for your entries. Molecule does not connect to your bank or automatically import transactions. SUBSCRIPTION DETAILS A subscription is required. Eligible new subscribers can get the first month for US$0.99, then their selected plan renews at US$7.99 per week, US$19.99 per month or US$99.99 per year. Prices and offer availability vary by storefront; see the app for your local price and eligibility. Subscriptions renew automatically unless cancelled at least 24 hours before the current period ends. Manage or cancel in your App Store account settings. Planning figures depend on what you enter. Your daily guide is not your available bank balance, and savings illustrations are not guarantees. Molecule provides planning tools and education, not financial, investment or tax advice. Privacy: https://www.sirca.io/molecule/privacy Terms: https://www.sirca.io/molecule/terms