Expense and income tracking for households and individuals
The spreadsheet was a good idea. It just died in February.
TreWise is a calm place to write down what you spend and what comes in. It works on your phone and your computer, both always current, and it never asks for your bank login. Fine on your own, better if you share money with someone.
Founding offer
$29 once. Yours for life.
Not a subscription. Pay once, use it forever, including everything I build later. Once the founding places are gone, TreWise will be $39 a year.
Priced in Canadian dollars. If you are outside Canada your card converts automatically, and it works out cheaper.
30-day money-back guarantee. Email me and I'll refund you the same day.
Two questions, not one.
When you write down an expense, TreWise asks two things instead of one. Who paid for it. And who it was actually for.
Those are not the same question, and if you share money with anyone you already know that. You buy the groceries, they cover the dentist. You pay for their car insurance out of your account. They pick up dinner for both of you. One field cannot hold that, so most apps make you pick which fact to keep and quietly lose the other.
Paid by
Whose money actually went out the door.
For
Whose spending it really was: yours, theirs, or shared.
TreWise keeps both. At the end of the month you see what each of you actually paid out, and separately, whose spending it really was. Two numbers, both true, neither of them argued about.
This is hard for a bank-connected app to do, because it sees one pooled account rather than two people sharing a life.
And if you are on your own, this costs you nothing. The fields sit there quietly and everything else works the same.
Why the last one didn't stick.
It took too long
Logging a coffee took forty seconds and eleven taps. No system survives that. Here it is an amount, a tap on a category, and done. Under fifteen seconds.
It wanted your bank login
You got to that screen, thought about it for a second, and closed the tab. That was the right instinct. TreWise never asks, because there is nowhere to put it.
The bills arrived anyway
The predictable stuff should not need you. Add your recurring bills once and they log themselves, and your dashboard shows what the month will cost before it costs it.
What you get.
Two fields on every expense
Who paid, and who it was for, tracked and totalled separately every month.
Recurring bills that log themselves
Add rent, insurance and subscriptions once. They appear on their own, marked so you can tell them from what you entered by hand.
A month-end number before the month ends
Your dashboard adds what you have spent to the bills still to come, while there is still time to do something about it.
Your old spreadsheet, brought in
Import a CSV in whatever shape it is already in. Map the columns once, check the preview, done.
Your data, always yours
Export to CSV any time. Live Google Sheets sync is coming this week.
Everyone in your household, included
Invite whoever you share money with. No per-person charge, ever.
Phone and computer, both current
Opens in any browser, and adds to your home screen or Dock in a tap so it opens like an app, with no browser bar.
Everything built later, included
New features come with it. If something ever carries an ongoing per-user cost from an outside provider, that would be an optional add-on. Everything else is yours.
Someone already uses this every day.
Chris has used the original version of TreWise every day for months. She is my partner, so take that for what it is worth, but I asked her what she actually likes about it and she said two things without pausing: how simple it is, and that she can use it on her phone and on the computer with both always up to date.
That second one surprised me. I had it filed under technical detail. She has it filed under the reason she still uses it.
This is for you if:
- You have a spreadsheet that has not been updated since spring and you feel slightly guilty about it
- You share money with someone and you have both done the arithmetic in your head about who covered what
- You looked at a bank-connected app, got to the part where it wanted your login, and closed the tab
- You want to know where the money goes without adopting a budgeting philosophy to find out
- You are on your own and want something plain that works on your phone and your laptop
This is not for you if:
- You want transactions imported automatically. TreWise will never connect to a bank, and that is deliberate
- You want envelope budgeting with rules and targets. This shows you where the money went. It does not tell you what to do about it
- You need private categories your household cannot see. Everyone in a TreWise household sees everything
If it's not for you, I'll refund you.
Try it for 30 days. If it is not for you, email me at jswan@swanmediasolutions.com and I will refund you the same day. Not a form, not a support queue. Me.
I will ask one question about what did not work, because that is genuinely useful. Then I will send your money back whether you answer it or not.
Questions people ask.
What happens after I pay?
You land on a page confirming your payment, you create your account, and you are in. It is automatic and takes about a minute. If anything does not work, email me and I will sort it out the same day.
Why is it manual?
Because typing the number is how you notice the number. Automatic tracking tells you what happened. Writing it down changes what happens next.
Does my partner have to use it?
No. You both see the same data, so one person keeping it current is enough. If they join in, the split gets more accurate.
Does it work if it is just me?
Yes, properly. No nagging to invite anyone. The two attribution fields sit quietly out of the way and everything else works the same.
I already have a spreadsheet. Do I start over?
No. Import it as a CSV in whatever shape it is in. Map the columns once, check a preview of the first twenty rows, confirm.
What does "lifetime" actually mean?
For as long as TreWise exists. If I ever wind it down, you get 90 days notice and a full export of everything you have entered.
How is this different from YNAB or Monarch?
Those are bigger tools that connect to your accounts and expect you to adopt a method. TreWise is smaller on purpose. If you want automatic imports and a budgeting system, they are genuinely better than this. If that is exactly what you have been avoiding, this is for you.
Start with this month.
You already know what happens if you leave this. The spreadsheet stays where it is. The money keeps going somewhere. In four months you will have the same conversation, with the same shrug at the end of it.
Founding offer
$29 once. Yours for life.
Not a subscription. Pay once, use it forever, including everything I build later. Once the founding places are gone, TreWise will be $39 a year.
Priced in Canadian dollars. If you are outside Canada your card converts automatically, and it works out cheaper.
30-day money-back guarantee. Email me and I'll refund you the same day.
P.S. The two fields are the part people do not understand until they use it. One of you pays for something that is entirely the other's, and at the end of the month there is a number for it instead of a feeling. If you share money with anyone, that alone is worth twenty-nine dollars.