Why you need Endute
You probably think you know where your money goes.
Most people overestimate how much they save and underestimate how much they spend. Not because they are careless, but because the tools they use only show half the picture. One bank app. One account at a time. No context. No trajectory.
The problem you might not see
Financial blind spots cost you more than you think
These are not dramatic financial mistakes. They are small, invisible gaps that compound over months and years.
Subscriptions you forgot about
The average person has 12 active subscriptions. At least two of them are things you signed up for once and never cancelled. They add up quietly.
A savings rate you are guessing
You know roughly what you earn and roughly what you spend. But "roughly" means you could be off by 20% or more, and you would never know until something goes wrong.
Money spread across accounts and currencies
A current account here, a savings account there, maybe an investment platform, maybe a pension. Each one shows you a slice. None of them shows you the whole picture.
A retirement plan built on hope
You have a vague sense of when you could stop working. But you have never run the numbers with your actual data, your actual spending, your actual savings rate.
What you are probably using right now
None of these are bad choices. They are just incomplete ones.
Your bank app
Shows one account. Does not know about your other banks, your investments, your property, or your pension. No budgets. No trends. No future projections.
A spreadsheet
Works until it does not. Manual entry falls behind after two weeks. No bank connection. No live data. No one enjoys maintaining a spreadsheet at 10pm on a Sunday.
Nothing at all
You check your balance before big purchases and hope for the best. It works until an unexpected expense lands, and then you are reacting instead of planning.
Envelope budgeting apps
Great for budgets. But if you also want to track investments, net worth, multi-currency accounts, or plan for retirement, you need a second app. And a third.
What changes with Endute
One app. Every account. The full picture.
Endute connects to 14,000+ banks across the UK, EU, US, and Canada. It pulls your transactions, balances, and investments into a single view and gives you the tools to actually understand your money.
- You connect your banks once. Transactions flow in automatically, across currencies and borders.
- You see your real net worth, updated daily, not a number you guessed three months ago.
- You know your actual savings rate, not what you think it is.
- Subscriptions and bills are tracked automatically. Nothing hides.
- Your investments are measured properly: time-weighted returns, benchmarked, in your reporting currency.
- You can model retirement with Monte Carlo simulation, using your real spending and savings data.
- You get financial insights that surface problems before they become emergencies.
Beyond budgeting
This is not just another budgeting app
Budgeting is one part of it. But your financial life is bigger than a monthly spending plan. Endute covers the rest.
Budgeting that adapts
Monthly budgets with rollover, category tracking, and real-time actuals. Not a rigid envelope system. A living plan that reflects how you actually spend.
Investment tracking that is honest
Time-weighted and money-weighted returns, benchmark comparison, dividend tracking, multi-currency portfolios. See what your investments actually earned, not what your broker reports.
FIRE planning built on real data
Multi-phase retirement modelling with Monte Carlo simulation, historical backtesting, and interactive what-if scenarios. Plan your financial independence with numbers, not hope.
Privacy you can trust
No ads. No data selling. Open banking connections are regulated by the FCA and PSD2. Your data stays yours. You pay for the product, so you are the customer, not the product.
You deserve to know where you stand.
37 days free. No credit card. Cancel anytime.
Already use Endute? Sign in →