KapiX

Know where
you stand.

KapiX is building three tools for being wiser with money: one to understand it, one to run a household by, and one to keep a small business’s books.

See the threeOpen Lunas

Lunas is the one you can use today. Free while in early testing, no card.

Lunas, the personal finance tracker

One idea, in three parts

Being wiser with money takes understanding it, keeping track of it, and — if you run something — knowing what the business actually made. Each of these takes one of those jobs, and none of them asks you to build a spreadsheet first. One is ready to use today; the other two say plainly that they are not.

In development

KapiX Learning

Learn about money, the easy way.

Short, plain explanations of the ideas that actually move the needle — interest, cash flow, what a budget is really for. A few minutes each, and nothing to buy at the end.

What we're building

Lunas

Know where your money goes.

Turns your income, bills and savings plan into one number: what is safe to spend today. Works offline, and never asks for your bank login.

Explore Lunas

In development

Arus

Build financial statements through conversations.

Answer plain questions about what happened. Arus writes the double-entry itself, and your profit, balance sheet and cash flow all follow from the same journal.

What we're building

What’s true of everything we build

  • One number, not a dashboard

    Anything we build answers the question you actually came with, in about three seconds. The charts can wait until you ask for them.

  • Your data stays yours

    Encrypted before it is stored, and no bank logins. Nothing we make will ask you to hand over your online banking credentials.

  • It says when it doesn't know

    A forecast we can't defend with the data we actually have is not a forecast. “Not enough yet” earns more trust than a confident guess.

  • Calm, never nagging

    Nothing here will tell you off for a bad week, or punish you for a week away from it. Reminders are yours to switch on, not ours to push at you.

Start with today’s number

Lunas is free while we are in early testing, and it works on one device without an account if you would rather keep it that way.

Open Lunas