Your budget’s weather.
Know every day whether you can spend, and how much.
Yosanami looks at what you still have to pay this month, compares it with your real balance, and gives you the day's weather.
No bank connection. No categorising every expense.
No spreadsheet.
予算 yosan, the budget · 波 nami, the wave
A wave of expenses you saw coming no longer surprises you.
Rent, bills, insurance: most of your expenses are predictable. Yosanami draws your month's trajectory from them, then compares it every day with your real balance. A gap shows up early, and gets corrected early.
Faced with an unexpected expense, the decision is easier to make.
The method
Four marks.
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01
The situation
Comfortable, to watch, or needs adjusting: the weather over your budget, at a glance.
-
02
The gap
€312 ahead, or €121 to make up, against the recommended amount: what you need in the account today to cover everything still due this month.
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03
The pace
What you can spend a day, and the balance expected over the next days if you keep to it.
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04
The action
If €121 is missing: slow down to €39 a day, postpone an expense, trim it, or top up the account. If you are ahead: keep the margin, or save it.
What it asks of you: list once what comes back, then enter your balance whenever you like. Five seconds.
What Yosanami does for you
How much to keep in the account today?
The recommended amount, compared with your real balance. Whatever is above it is yours.
And if it drifts?
You know on the 15th, not the 28th, while there is still time to adjust.
The property tax in October?
Insurance, heating oil, Christmas: planned months ahead, no need to dip into savings.
How can I save?
As soon as the money comes in, you know how much you can put aside. Pay yourself first.
No need to
- connect your bank
- tick off every expense
- categorise your payments
- keep a spreadsheet
- create an account to try
Flexible and light enough that you want to look at your accounts, without having to do your accounts.
As a couple
You are no longer the one saying no.
A link for your partner, no account needed. They see the day's weather and one instruction: “Spend less than €39 a day.” The budget no longer rests on one person.
Questions
How is the recommended amount calculated?
Yosanami adds up everything still due before the end of the month. The recommended amount is the balance you would need in the account today to cover it.
What if my balance is not enough?
No red figure. Yosanami tells you how much is missing and how much to spend a day to end the month without an overdraft. If the balance does not even cover the upcoming direct debits, it warns you before the debit date.
All my direct debits fall at the start of the month. What is the point?
In that case, not much: once the debits have gone through, what is left is yours, and you know it. Yosanami is for when they are spread over the month, on the 5th, the 12th, the 20th, and an annual insurance or the property tax falls once a year. Your bank tells you where the money went; Yosanami tells you whether you can spend today.
Do I need to connect my bank account?
No.
Everything is entered manually, without automatic synchronization.
Yosanami does not require any bank connection or access to your data via DSP2.
Do I need an account to try?
No.
Enter your balance, your payday and your upcoming expenses, and your first reference appears. The account only keeps it so you find it every day.
Without an account, what you enter is kept for 30 days at most, then deleted.