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Your bank shows transactions.
We notice changes in your financial behaviour before you do.

Entropy Money helps you understand how your financial behaviour is changing — quietly, intelligently, and without judgement.

Connect your accounts. See what's shifting.

No budgets. No rules. No noise.

Join early access See how it works
Entropy Money Insights screen showing Behaviour Drift, Hidden Commitment and Spending Stability cards
Entropy Money Activity screen showing recent detections timeline

Most apps track what you spend.
Entropy Money understands what is changing.

Your financial life changes slowly — in ways that are easy to miss.

Spending becomes less predictable. Subscriptions accumulate. Habits shift without noticing.

Entropy Money watches for those changes — and tells you when something actually matters.

Your financial entropy

An indicator that reflects how stable — or unpredictable — your financial behaviour is.

It increases when patterns become more volatile, habits drift, or hidden commitments emerge.

Not good or bad — just change.

How it works

1

Connect your accounts

Secure, read-only access via Open Banking. We never see your credentials.

2

We learn your patterns

Spending behaviour, income flow, and financial habits over time.

3

We surface meaningful changes

Only when something actually shifts — not constant alerts.

What the system notices

Real examples of the kinds of observations Entropy Money surfaces.

Behaviour Drift

You're not spending more — you're spending differently

Your total spending hasn't increased. But over the past few weeks, eating out has quietly replaced groceries — changing where your money goes without increasing how much you spend.

Hidden Commitment

This is starting to look like a subscription

You've paid this merchant several times recently — with similar timing and amounts. Even though it's not labelled as one, it's behaving like a recurring cost.

Spending Stability

Things look stable — but they're not

Your total spending appears consistent. But underneath, your day-to-day behaviour has become more unpredictable.

Forward Signal

You may feel this soon — even if you don't yet

Nothing looks wrong right now. But based on your recent pattern, your financial buffer is starting to narrow.

What makes this different

  • No budgets to maintain
  • No rules to follow
  • No noisy alerts
  • No manual tracking

Only meaningful changes — when they matter.

Who it's for

  • People who seem financially fine — but still worry about money
  • People with multiple accounts or currencies in one or many countries
  • Professionals who don't have time to track everything
  • People who don't want to budget
  • People who want awareness, not control
  • People who value calm over constant notifications

Built for real financial lives

Connect multiple bank accounts
Works across countries and currencies
No manual data entry
Automatic, intelligent analysis

Calm by design

No dashboards to manage. No alerts every hour. No pressure to optimise everything.

Just quiet, intelligent awareness — when it matters.

Private. Secure. Read-only.

Entropy Money uses bank-grade security and read-only access. We never sell you data. Your data is never used to move money or make transactions.

Read-only access

We can only view transactions. We cannot move money, make payments, or modify your accounts.

Bank-grade encryption

All data is protected with AES-256 encryption at rest and TLS 1.2+ in transit.

You control your data

Export or delete your data at any time. No lock-in, no hidden retention.

Understand what your finances are actually doing.

Join early access and be among the first to experience Entropy Money.