Make your money yours.

Statement import

A statement from any bank, as a CSV.

Bring months of history in, in minutes. There's no bank login to hand over: you download the file from your bank, and Consistent reads it right on your device.

1. A PDF statement's rows are checked against its own opening and closing balance, so nothing is silently missed.
2. Transactions you already have are recognised and skipped.
3. Categories are suggested from what you chose before, and you review everything before it's saved.

Apple Pay

Pay with your iPhone. It adds itself.

Your Apple Pay purchases at a till appear in Consistent by themselves, without connecting your bank: a shortcut on your iPhone sends the amount, the shop and the card, and the payment lands in the right account. It needs iOS 27, and works for payments in shops, not online.

1. In Settings, make a key and add the shortcut with one tap.
2. Turn its automation on once, in the Shortcuts app.
3. Each card's payments go to the account you choose, in the categories your past payments taught it.

Net worth

See all of it at a glance

Your net worth across every account and holding, how it moved over the year, and what's left to spend this month, the moment you open the app.

• Cash and investments, drawn together
• From one month back to everything you've recorded
• Every account in its own currency, totals in yours

Investment tracking

Investments, compared honestly

Stocks, ETFs, funds and crypto at today's prices, from a whole share to a fraction of a satoshi. See your return beside what the same money would have made in a world index or the S&P 500, bought on the same days.

• Return, rate of return and what you paid in
• From today's moves to your whole history
• Allocation by holding or by type

Spending reports

Reports that answer "where did it go?"

Spending by month and category, income against spending, net worth over time, and how exchange rates moved what you hold in other currencies.

• Transfers between your own accounts left out
• Averages per category, month by month
• Per project, if you track a renovation or a client

People & debts

Know who owes you, without keeping it in Notes.

Lent a friend money, covered a dinner, or borrowed for a deposit? Consistent remembers who owes whom, how much and when it happened, in each currency, and keeps it out of your spending and income, because lending isn't either.

• What you're owed and what you owe, on one screen
• Every entry dated, with a note of what it was for
• Each currency kept apart, as it will be repaid
• Settled means zero: nothing to tick off

Budgeting

Budgets that tell you what's left

Give each category a monthly limit and see what's left, how much a day you can still spend, and which categories are close to the edge, before the month runs out rather than after.

• Left to spend, and per day for the rest of the month
• Over budget, near the limit and on track, counted
• Past months kept for comparison

Recurring bills & subscriptions

Bills, salary and subscriptions, handled

Rent, salary, streaming, the gym: add a rule once and every occurrence is written for you, on every device. See what's due this week and what's left after everything that repeats.

• Weekly, monthly or yearly, with month-end dates done right
• Income, bills and what's left after recurring, every month
• Pause a rule without losing its history

Cash-flow forecast

Know where your balance is heading

A forecast built from how you actually spend and the bills still to come, with the range it could fall in, the lowest point ahead, and how many months your money would last.

• 30, 60 or 90 days ahead
• Your runway, or a clear "not burning"
• No history, no forecast: never a confident guess