Allocate your surplus,
strategically
Stop wondering where your money goes. Create a system that builds your emergency fund, pays down debt, and invests for growth.
Free. No credit card required.
Smart Cash Allocation
Build a system that puts your money to work efficiently
Emergency Fund Basics
How much cash should you keep accessible? Learn the right amount for your situation and where to keep it for the best returns.
Debt vs Investing Trade-offs
Should you pay off debt faster or invest more? Understand when each strategy makes sense and how to find the right balance.
Cash Flow Optimization
Maximize your monthly surplus by understanding fixed costs, variable spending, and opportunities to save.
Take control of your cash flow
Tools to allocate your money wisely and reach your goals faster
Allocation Recommendations
Get personalized suggestions for how to split your surplus between savings, investments, and debt payoff.
Goal Prioritization
Define your financial goals and see exactly how your cash allocation moves you toward each one.
Automated Suggestions
Based on your income and expenses, get recommendations for automatic transfers to optimize your finances.
Progress Tracking
Watch your emergency fund grow, debt shrink, and investments accumulate over time.
Don't take our word for it!
Hear it from our clients.
“Four months later, I bought another in Frankfurt for €600k”
Kristine
Australia
“Explained everything clearly and provided a tailored solution”
Marieke Neleman
Netherlands
“An honest sparring partner for financial decisions”
Ruwen Bussinger
Germany
Cash FAQs
A common guideline is 3-6 months of essential expenses. If you have variable income or less job security, aim for 6+ months. Our tools calculate the exact amount based on your spending patterns.
Generally, pay off high-interest debt (>6-7%) before investing. For lower-rate debt like mortgages, investing often makes sense. We help you compare the math for your specific situation.
Start with your bank statements to categorize spending. Our tools help you identify fixed costs vs variable spending, and find opportunities to increase your monthly surplus.
Interest rates vary significantly between German banks. Look for Tagesgeld accounts with competitive rates. We can recommend options that balance accessibility with returns.
Review monthly at first to build awareness, then quarterly once you have a stable system. Major life changes (job, salary, family) warrant an immediate review.