i.
Abundance, not scarcity
Surplus is the centrepiece. Most apps make you stare at the cliff edge; we show you the open valley below.
Ridge is for people who are climbing — building wealth, working toward goals, walking the steady ups and downs of real life. Every dollar gets a foothold. Every cycle, you keep moving forward.
Surplus is the centrepiece. Most apps make you stare at the cliff edge; we show you the open valley below.
Every number answers a real question. Can I afford this? Am I on pace? No dashboards for the sake of dashboards.
Spend, save, or build wealth. Each dollar gets a place to plant — nothing drifts, nothing leaks down the slope.
Cycles rise and fall, but the ridge keeps climbing. Mortgage repayments are savings; redraw and clearance answer the question that matters — am I building something?
Rates inferred from your actual capitalised interest. No imaginary sliders. No fairy-tale forecasts of a summit you'll never reach.
Auto-classify. Dedup. Rate inference. The plumbing runs underground, so the path stays clear above.
The cycle isn't a circle. It's a ridgeline — peaks and valleys, always moving forward. Your money deserves a budget designed for the climb.
Forget reading nine widgets to know if you can buy the boots. Free to spend is the stream — incoming pay, planned outgoings, surplus carried in from past cycles — pooled into one trustworthy figure that flows in real time.
The cycle is one section of the ridge. See every envelope's progress, the day-by-day spend heatmap, what's settled and what's pending. Zoom out across cycles to see the long ridgeline you've actually been walking.
Cash. Property. Super. Debts. Equities. Every piece, in one place — with a clearance date for the mortgage drawn from your real interest history, not a slider you guessed at.
Sign in with Google. Your data lives in your own Drive.
Sign in →