Financce
Everyday moneyLog spending in seconds, see what is safe to spend today, plan bills and income, and look after family, work and school costs.
Website live · Android previewVisit financce.goldmend.com
Goldmend Money · by Goldmend Studio
Small steps. Steady money.
A small family of calm money apps for everyday life. Start with Financce for your daily spending. More apps for trips, work and home are on the way.
Free to use. Your records stay on your phone. Made in Singapore for Southeast Asia, Asia, Australia and the USA.
Financce · safe to spend todayS$25.34S$582.91 left this month across your budgets, 23 days to go.
The apps
One family, the money jobs of everyday life
Each app does one money job well and is complete on its own. Financce is here today; the others are planned and will join the family one by one.
Bill splitting
Friends and tripsSplit meals, rent and holidays with friends and housemates, in any currency, and see who owes whom at a glance.
PlannedIn planning
Freelancer money
Work and side incomeInvoices with your own logo, receipts, expenses and a tax set-aside, so you know what you can pay yourself.
PlannedIn planning
Couple budget
Home and familyTwo phones, one household budget. Share bills and goals, and keep your own spending private.
Planned · needs sign-inIn planning
How it works
Private first. Together when you choose.
Your records stay on your phone
No account, no bank login. Every Goldmend Money app works on its own from day one.
One Goldmend account, later
Optional sign-in will let your plan and settings follow you across Goldmend Money apps. Planned.
Links you switch on
Apps will share totals between them only when you turn a link on, one app at a time. Planned.
Example month · Financce
IncomeS$4,850.00
SpentS$2,811.69
Saved42%
Example figures from Financce's sample data.
Built for real life
Money that fits how you live
Hawker lunches and grocery runs, payday and rent, school fees, trips abroad and money lent to family. Our apps start from everyday life, not from a spreadsheet.
Safe to spend
One daily number from your budgets.
Reminders
Bills, payday and money coming in.
Any currency
S$, RM, A$, US$ and more, at the day's rate.
Reports
PDF, Excel, Word and PowerPoint, with your logo.
Plans
Free in every app. Plus when you want more.
FreeS$0Every app, always. No ads.
Available in FinancceFinancce PlusS$19.98a year · or S$2.98 a month · 7-day free trial
PlannedGoldmend Money OneOne planfor every Goldmend Money app, when there is more than one
Prices for Singapore. Your app shows the price for your country (RM, A$, US$). Final prices are set in the app stores.
Journal
Practical money guides
Written by Goldmend Money in plain words, with examples for Singapore, Malaysia, Australia and the USA.
Financce · Budgeting
The safe-to-spend-per-day method: one number that keeps your month on track
By Goldmend Money · 4 min read
Financce · Saving
Emergency fund: how much you need and how to build it step by step
By Goldmend Money · 4 min read
Financce · Saving
Save on groceries with unit pricing: how to spot the real bargain on the shelf
By Goldmend Money · 4 min readPrivate by design
No bank login and no selling of data. Records stay on your phone, and backups go where you choose.
Honest numbers
Exchange rates show their source and date. Examples are labelled. We say what an app can and cannot do.
No pressure
Hide amounts in one tap, calm reminders that never show amounts, and no shame for a bad week.