A budgeting agent
Think out loud with jem. It finds where money can be freed up, works out what a goal would take, draws it for you, and only changes your budget when you say so.
Your own budgeting app, for iPhone and Mac
Brainstorm your money with an agent.
Talk your budget through with jem. Ask how to free up money, what a holiday by March would take, or what investing $500 a month could grow to. It works it out, draws it for you, and makes the change when you say so. Everything you have and owe sits in one place, so you can watch your net position grow.
Loading jem…
jem is a native app for iPhone and Mac. This is a browser preview of it, running on a made-up household. Ask it things like “how can we save more?”, “what if we invest $500 a month?”, “show my transactions” or “where will we be in 5 years?”, or tap any figure to go in. Your changes stay in your browser.
Just askan agent to brainstorm, optimise and plan with
One placeevery account, card and loan, and your net position
Years aheadprojections for saving and investing
Yoursa personal app we keep shaping around you
What it does
All your money, one conversation.
Everything in one place
Everyday, savings, cards and loans side by side, with your net position on top: what you own less what you owe, and which way it's heading.
Transactions like a spreadsheet
Sort, filter and select to see a total. Edit a category in the cell, make it a rule for next time, and take it all out as a CSV.
Projections for saving and investing Business
jem runs your pays, bills, budgets, savings interest and investments forward, so you can see your net position years ahead, and what a change or a monthly investment would do to it.
Budgets and jars
Budgets that know how far through the month you are, and savings jars that work out what to put aside for the things coming up.
This week and alerts
A weekly check-in on what moved, new bills and the one change most worth making, plus a heads-up before a budget runs over or a bill comes up short.
Made for you
Not an app off the shelf.
jem is a tailored service. You get your own app, set up around how you actually handle money, connected over a secure, private VPN, and it keeps changing with you.
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01
We set it up with you
Your accounts, pays, bills and goals, sorted the way you think about them, with the categories and words you use.
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02
It's your app
Want a view that isn't there, a different alert, or a way of splitting costs? Ask, and we change it for you.
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03
It grows with you
New features and upgrades get added as your life changes, from a first budget to planning a home.
Plans
For your household, or your business.
Every jem is set up for the people using it, so we quote each one.
Personal
Pricing on request
For you, or your household.
- The budgeting agent
- Every account, card and loan in one place
- Transactions like a spreadsheet
- Budgets, savings jars, This week and alerts
- iPhone and Mac, over a private VPN
Business
Pricing on request
Register jem for your business.
- Everything in Personal
- The projection engines: cash, net position, saving and investing, years ahead
- What-ifs before you commit: hires, purchases, repayments
- Set up and changed around how your business runs
FAQ
Good questions.
Can I use jem yet?
jem is a native app for iPhone and Mac, in development, and the demo here is a browser preview of it. Get in touch and we'll talk about setting up your own.
Can it do something the demo doesn't?
Very likely. Every jem is built for the person using it, so new views, rules and features can be added for you.
How is my money kept private?
jem connects over its own secure, private VPN connection, so your finances travel on a private line, not the open internet.
Is there a web or Android version?
Not today. jem runs on iPhone and Mac. Ask if you'd need something else.
Whose money is in the demo?
Nobody's. It's a made-up household generated in your browser, and anything you change there stays in your browser.
Talk to us
Want your own jem?
Tell us a little about how you manage money and what you'd want it to do, and we'll be in touch.