It's a nice idea. Since it's a financial input, highlighting more about its security and privacy earns more trust for new visitors. I like that it's built with privacy at its core.
How long would your money last?
Your net worth and financial runway in one private number. No bank connection.
Not an expense tracker. A few balances, once a week.
- Encrypted on your phone
- Backup only if you turn it on
- 30+ currencies, automatic rates
Sounds familiar?
Knowing where you stand should feel calm, not like another chore.
My money is in four different places
Savings, a pension, an investment account, a current account, each in a different place. No single number tells you how you are really doing.
I don’t know how long my money would last
If your income stopped tomorrow, how many months would you be covered? Many apps never answer that.
Budgeting apps make me feel watched
You don’t need an app that scolds you for every coffee. You need clarity, not surveillance.
Apps want my bank login
Many trackers ask for bank access and keep your financial data in their cloud. That’s a hard no.
A calmer way to know where you stand
One private app that turns scattered balances into a clear picture, and a few minutes of calm each week.
Everything in one private place
Accounts, savings, funds and pensions add up to one net worth figure, with a chart of how it moves month by month. Hold money in more than one currency? CAWELO supports 30+ currencies with automatic exchange rates.
Not sure what a word means? A built-in glossary explains the terms as you go. And with Pro you can export your data to CSV.
Know your Financial Runway
Tell CAWELO your average monthly expenses once. It compares them with the money you could reach and shows how many months you are covered without regular income. Assets that are harder to turn into cash count only in part, as a safety margin.
Your runway grows through levels, from a Starter Buffer upwards, and the card shows how far the next one is.
What financial runway means, in plain English (opens in a new tab)
- Money you can reach (after safety margins)
- $36,000
- Average monthly expenses
- ÷ $4,500
- Your runway
- 8 months
A few minutes, once a week
Update today’s balances, see the change at once, and move on. A weekly reminder brings you back. No budgets, no categories, no guilt.
A Timeline of your journey
When a balance changes, you can note why: a salary, a saving, a dividend. Every note lands on one clean Timeline, so the story behind your net worth finally makes sense.
Private by design
Your money is your business. CAWELO is built so it stays that way.
Encrypted on your phone
Your financial data lives in an encrypted database on your own device.
Backup only if you turn it on
Opt in to an encrypted backup to your phone’s cloud backup. It stays off until you turn it on.
No bank logins, ever
You type in your balances. CAWELO never asks for a bank login and never connects to your bank.
Built for privacy. Shaped by early user feedback.
What early reviewers said about the app, before it was called CAWELO. ViaVibeCodingList (opens in a new tab).
Tried the app and here are my insights: overall one of the more privacy-aligned implementations I've reviewed. The privacy policy is solid and the app is well thought out.
I like your concept. It feels like a financial tracker diary style. Overall, I still like it - the privacy-first approach really stands out.
See how long your money would last
Add a few balances and your monthly expenses, and CAWELO shows your runway. No bank connection, no budgets.
Free to download.
Calm Wealth Journal is becoming CAWELO. Same purpose. A bigger vision.