Your budget and your investments, in one place. Actually private.
Plan the month, see where the money went, and follow every investment across brokers and currencies. Protected by AES-256 end-to-end encryption, where even we can't read your data
Who can see your numbers?
Encrypted on your device, before it is saved
- Each workspace has its own keys
- Files, not logins: we never ask for your bank or broker password
- Paid for by subscriptions: no ads, no advertising trackers in the app, no data sales
Budgeting or investing? Both.
Rent, groceries, fun: is it all covered?
- Fill every envelope at once: the same as last month, what you spent last month, or just what is over
- Plans changed? Move money between envelopes, and the totals stay right
- Overspent? Click the red amount to fund it from Available to assign
- Unspent money rolls over to next month
What did your investments really earn?
- Price gains and currency moves apart, and taxes PRO
- Measured against an index you pick
- Sharpe ratio, largest fall and volatility on the Overview PRO
What the return is made of
Since the first buyWhere did the month go?
- On every plan, free included
- Each month against your own average
- How it is calculated, written out beside the figures
Where is your money, really?
- Type, broker, currency and tag on every plan
- Sector, industry, country and region PRO
Against your targets
5 holdings have a target, 71% of the portfolio together. You have €6,400 cash at your brokers.
The mark on each bar is the target. Click a target to change it. The money is split by how far each holding is below its target, and no buy goes past one. It is a suggestion.
How much are you keeping?
- Months or whole years
- Pick a category to see it month by month against its average
When does the next dividend land?
- This month and the two before on every plan; the full calendar, what is expected, yields and every past year with PRO
Dividends in 2026
Net of tax withheld at source, by ex-date. Thin grey line: the same month in 2025. Declared: announced by the provider. Expected: each holding's last dividend, at what you hold now.
Features marked PRO come with Investing Pro or Turbo Pro, and every new account has them free for its first 14 days. See plans →
Did your money beat inflation?
Returns, after inflation
Time-weighted and money-weighted return each get an after-inflation figure beside them, with the working behind the icon.
Your net worth in today's money
Switch on In today's money and every past point of your net worth is restated in today's prices. The change over the period gets its after-inflation figure too.
What idle cash lost
Under your cash, the Wallet shows what rising prices took from it over the period.
Measured against official indexes: euro-area HICP from Eurostat, US CPI from the BLS, UK CPI from the ONS, and the national HICP for RON, PLN, HUF, CZK, SEK, NOK, DKK, CHF, BGN, HRK and TRY.
How the inflation figures workWhat about your flat, your gold, your other currencies?
Track anything with a price
- Bring a whole price history in from a file, or add prices one by one
- Or price it from your own data provider, and it keeps itself up to date
- Turbobulls can estimate the days between your prices
- Real estate, metals, art, collectibles, deposits, private companies and more
Thirty-plus currencies, one click apart
Do you have to type it all in?
- CSVXLSX1
Export your history
Download it from your broker or bank: the file it already gives you.
- CSVDrop your file hereor choose oneRead on this device. Your file is never uploaded.2
Drop the file in
Files, not logins. It is read on your device and encrypted before anything reaches us, so we cannot read your data.
- Review before importing248 rowsVWCEBuy-€1,689.60VWRLDividend+€96.40EIMIBuyDupImport 245 transactions3
Check it, then import
Every trade, dividend and fee as your broker booked it, with duplicates marked. Nothing is saved until you import.
Ready-made for 60+ brokers, banks and apps
Anything else comes in through Generic CSV: you match its columns once.
Switching from another app?
Keep how you work, and add the other half of your money. Only here for one side? Pick Money and budgeting or Investments when you create your workspace.
Keep your envelopes
Available to assign, moving money between envelopes, and rollover to next month.
Every currency in one budget
Accounts in any currency feed one budget, converted at each month's closing rate.
Your investments beside it
Every holding priced, with returns and dividends, in the same net worth.
Every broker in one portfolio
Accounts at several brokers and in any currency, in one view.
Both kinds of return
Money-weighted and time-weighted return side by side: what you earned, and what the portfolio did.
Your budget beside it
Spending, envelopes and savings in the same net worth.
We cannot read your data
It is encrypted on your device. That is also why you bring files, not bank or broker logins.
If you stop paying
You keep a free plan that never expires, and nothing is deleted.
Price
Budgeting comes with Spending Pro x at €2.99 a month, investing with Investing Pro x at €3.99, billed yearly.
Broker, bank and app names and logos belong to their owners and appear only to show which export files Turbobulls reads. Turbobulls is not affiliated with, endorsed or sponsored by any of them. To have a logo removed, write to hello@turbobulls.com.
Several brokers, one view: a checklistWhat else is in there?
Financial health score
Twelve checks on your saving, debt, cash and returns, in one score.
- Turbo Pro
Financial independence
How far you are from it, worked out from both sides of your money.
Wealth velocity
How much your net worth gains or loses a day, over the period you pick.
- Investing Pro or Turbo Pro
Cash allocation
Whether you hold too much cash or too little, scored against 20% of your net worth.
Savings rate
The share of your income you keep after spending, over any period.
Benchmarks
Your return beside an index, as if the same money had gone into it on the same days.
Cash runway
How many months your cash would cover your usual spending.
Lifetime return
How everything you ever bought has done, the positions you sold included.
Loans, cards, mortgages
Debts count against your net worth, where they belong.
- Investing Pro or Turbo Pro
What investing costs you
Fees and taxes on every buy, sale and dividend, against what your holdings earned.
- Turbo Pro
Separate workspaces
Keep a business or a family member's money apart, each with its own encryption key.
Public roadmap
Vote on what we build next, and see what is already on the way.
What does it cost?
Pay for the side you actually use - spending, investing, or both - on top of a free plan that never expires. Paying for one side never takes the other away: it stays exactly at free-plan depth. Every account starts with 14 days of everything, no card.
Free
Where you land after the trial. Enough for a starter portfolio, free for as long as you like
- End-to-end encryption
Your spending side
- Accounts3
- Categories10
- Spending entries120
- Envelope budgeting
Your investing side
- Holdings10
- Investing transactions50
- Brokers2
- Benchmarks1
- Watchlist10
- Dividend calendarLast 3 months
- Risk and efficiency figures
- Dividend yields and payment history
- Allocation by sector, industry, country and region
- Capital vs currency gains
- Prices from your own data provider, with your own key
Both sides
- Workspaces1
- Tags10
- Tailored recommendationsTop 2
- Workspace modules
- Financial independence progress
- Returns and cash after inflation
On every plan
- Stocks, ETFs, funds, crypto, deposits, property, art and more
- Loans, cards and mortgages tracked as debt
- Financial health score, 12 checks
- ROI, MWR, TWR, win rate and lifetime return
- Dividend income, trailing 12 months and forward
- Broker and bank statement import, or any CSV
- Allocation by type, broker, currency and tag
- Target weight per holding, with drift
- 50 currencies, with current rates
- Your data, exportable at any time
Spending Pro
The spending side in full. Nothing on the investing side is taken away
- End-to-end encryption
Your spending side
- AccountsUnlimited
- CategoriesUnlimited
- Spending entriesUnlimited
- Envelope budgeting
Your investing side
- Holdings10
- Investing transactions50
- Brokers2
- Benchmarks1
- Watchlist10
- Dividend calendarLast 3 months
- Risk and efficiency figures
- Dividend yields and payment history
- Allocation by sector, industry, country and region
- Capital vs currency gains
- Prices from your own data provider, with your own key
Both sides
- Workspaces1
- Tags30
- Tailored recommendationsAll
- Workspace modules
- Financial independence progress
- Returns and cash after inflation
On every plan
- Stocks, ETFs, funds, crypto, deposits, property, art and more
- Loans, cards and mortgages tracked as debt
- Financial health score, 12 checks
- ROI, MWR, TWR, win rate and lifetime return
- Dividend income, trailing 12 months and forward
- Broker and bank statement import, or any CSV
- Allocation by type, broker, currency and tag
- Target weight per holding, with drift
- 50 currencies, with current rates
- Your data, exportable at any time
Investing Pro
The investing side in full. Nothing on the spending side is taken away
- End-to-end encryption
Your spending side
- Accounts3
- Categories10
- Spending entries120
- Envelope budgeting
Your investing side
- HoldingsUnlimited
- Investing transactionsUnlimited
- BrokersUnlimited
- BenchmarksUnlimited
- WatchlistUnlimited
- Dividend calendarFull history
- Risk and efficiency figures
- Dividend yields and payment history
- Allocation by sector, industry, country and region
- Capital vs currency gains
- Prices from your own data provider, with your own key
Both sides
- Workspaces1
- Tags30
- Tailored recommendationsAll
- Workspace modules
- Financial independence progress
- Returns and cash after inflation
On every plan
- Stocks, ETFs, funds, crypto, deposits, property, art and more
- Loans, cards and mortgages tracked as debt
- Financial health score, 12 checks
- ROI, MWR, TWR, win rate and lifetime return
- Dividend income, trailing 12 months and forward
- Broker and bank statement import, or any CSV
- Allocation by type, broker, currency and tag
- Target weight per holding, with drift
- 50 currencies, with current rates
- Your data, exportable at any time
Turbo Pro
Both sides, every limit lifted, and the modules to shape a workspace around you
- End-to-end encryption
Your spending side
- AccountsUnlimited
- CategoriesUnlimited
- Spending entriesUnlimited
- Envelope budgeting
Your investing side
- HoldingsUnlimited
- Investing transactionsUnlimited
- BrokersUnlimited
- BenchmarksUnlimited
- WatchlistUnlimited
- Dividend calendarFull history
- Risk and efficiency figures
- Dividend yields and payment history
- Allocation by sector, industry, country and region
- Capital vs currency gains
- Prices from your own data provider, with your own key
Both sides
- WorkspacesUnlimited
- TagsUnlimited
- Tailored recommendationsAll
- Workspace modules
- Financial independence progress
- Returns and cash after inflation
On every plan
- Stocks, ETFs, funds, crypto, deposits, property, art and more
- Loans, cards and mortgages tracked as debt
- Financial health score, 12 checks
- ROI, MWR, TWR, win rate and lifetime return
- Dividend income, trailing 12 months and forward
- Broker and bank statement import, or any CSV
- Allocation by type, broker, currency and tag
- Target weight per holding, with drift
- 50 currencies, with current rates
- Your data, exportable at any time
Are you an AI agent? See pricing as markdown