Three apps. Two tabs. Still don't know where you stand.
Endute gives you one clear view of your entire financial life - across every account and currency. Spending, Budgets, Investments, and your future, all in sync.
No ads. No data selling. Bank-grade Open Banking security.
See everything in one place
Your complete financial picture at a glance.
- Net worth across all accounts
- Budget progress at a glance
- Investment Performance
Dashboard
Your complete financial picture at a glance.
- Net worth across all accounts
- Budget progress at a glance
- Investment Performance
Budgeting
Know exactly where your money goes.
- Category budgets with progress bars
- Budget vs actuals by month
- Needs / wants / savings breakdown
Investments Performance
Track performance like a pro
- Portfolio value across brokerages
- TWR and MWR performance against benchmark
- 150k+ symbols with daily price updates
Cash Flow Forecast
Predict the future before it happens
- Learns from your spending habits
- Calculates Confidence Bands
- Look forward up to 3 years
Retirement Planning
Multi-phase FIRE planning with Monte Carlo simulation, historical backtesting, and interactive what-if scenarios. Built on your real bank data.
- Model accumulation, coast, and retirement phases separately
- 1,000 randomised scenarios test your plan's robustness
- Drag sliders to explore what-if scenarios in real time
Built different on purpose
Multi-currency by default
Track bank accounts, investments, and assets wherever you have them, in any currency. Automatic conversion to your home currency. Daily FX rates updates.
Privacy First
No ads. No data selling. No tracking you across the web. You are the customer, not the product.
Everything. One app.
Bank accounts, credit cards, loans, investments, property, vehicles, budgets, goals, forecasts, FIRE planning. Stop juggling apps and spreadsheets.
Your data. Yours.
Endute connects to your banks via regulated Open Banking providers. Here's what that means for you:
Bank-level encryption
Your data is encrypted in transit (TLS 1.3) and at rest.
Read-only access
Endute can see your transactions but can never move your money.
No credentials stored
Your bank login never touches our servers. Authentication happens with your bank.
Two-factor authentication
Optional biometrics and MFA with any authenticator app, free on every plan.
Our users are loving it
“I finally feel in control of my money. Endute shows me exactly what I’ve spent and what I can still afford — without doing mental gymnastics.”
"It's enlightening when you suddenly realise how many "small things" you buy across the month. And they all add up. Endute has shown me exactly where I'm spending my money, without having to think about it."
Just wanted to say I've setup all my Schedules, Categories, Budgets and Investments. The devs are extremely responsive and the app is the closest I've used in comparison to Quicken. Job well done so far guys. Keep this going
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What if inflation stays at 4% for a decade?
Most retirement plans assume 2% inflation indefinitely. Inflation of 4% for ten years is not a doomsday scenario — the UK sat close to that range from 2022 through 2024. This post works through what sustained 4% inflation does to the underlying mathematics of a FIRE plan, and what structural responses matter.
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Tax-efficient withdrawal order in early retirement
The same retirement portfolio can produce materially different after-tax outcomes over thirty years depending on which accounts are drawn in what order. This educational summary describes how UK, French, and US tax systems treat the main account types, what trade-offs each approach involves, and what circumstances typically affect the analysis.
Read article →Ready to regain control and see everything in one place?
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