The details, connected
One app.
Your everyday money.
A considered set of tools for the things you pay for,
plan for, and share with the people in your life.
01 / Shared accounts
On the same page.
With your own login.
Create an account for shared spending, enable sharing, and send its link to someone you trust. They join from their own app session and see the records in that account.
- Keep personal and shared accounts separate
- Record activity in a shared account
- Review members and remove access as the owner
- Optional shared-account activity notifications
Share links grant access while enabled. Keep them private. Sharing records does not create a joint bank account or transfer funds.
02 / Spending & analytics
From the little things
to the whole picture.
Record income and expenses with a category, date and optional note. Review your activity, then explore income, expenses and category breakdowns built from your entries.
- Multiple accounts for different parts of life
- Income, expenses and transfers between your own accounts
- Activity history with date and account filters
- Category breakdowns and income-versus-expense views
PonderFi balances reflect your records; they are not verified bank balances.
03 / Budgets
Give your plans
some breathing room.
Your grocery shop and your holiday don’t run on the same schedule. Choose daily, weekly, monthly or yearly category budgets, then see spending alongside the limit you set.
- Budget by category and account
- Choose the period that suits the expense
- Compare recorded spending with your limit
- Adjust your budget as your needs change
04 / Debts & repayments
Remember the details.
Keep the conversation clear.
Keep money borrowed and money lent in view. Record repayments as they happen and review what remains, without reconstructing the story from messages.
- Borrowed and lent records
- A repayment history for each debt
- Remaining balances based on your entries
A personal record, not a loan agreement, payment service or automated collection tool.
05 / Receipts
Right where
you’d look for them.
Attach receipt photos to the transactions they belong to. When you need a purchase detail, start with the record instead of a drawer full of paper.
- Take a photo or select one to upload
- Keep receipts with transaction details
- Remove receipt attachments in the app
Photos are attachments, not automatic receipt scanning or tax-document verification. Keep any originals you are required to retain.
A little clarity goes a long way
Your money.
Your people.
A clearer picture.
PonderFi is in early access. Get in touch to ask about availability and help shape what comes next.
Request early accessAn email conversation. No payment required.
