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KaratPersonal and small-business financeSample dataDevelopment build · anonymous first action currently under repair

Your bank balance is not permission to spend it.

Karat is being built to calculate a safer number for today from transactions, bills, income, debt and goals—and show the math. The latest anonymous browser check did not return the first planning answer, so this remains a development example.

Get the first build scoped Product walkthrough Karat app

Product screens · sample data

How Karat works.

Sample data replaces private details.

Karat

  1. Real Karat Today screen showing a large Safe to Spend number and the calculation behind it
    The answer comes first: today’s number and the exact math behind it.
  2. Karat Today screen showing a Safe to Spend estimate from sample financial data
    Income, spending, unpaid bills, and days left become one number for today.
  3. Karat explanation showing how the Safe to Spend estimate was calculated from sample data
    Tap the number to see the math.
  4. Karat spending screen showing sample transactions
    See where the money went.
  5. Karat budget screen showing sample monthly limits and spending
    See what is spent and what is left.
  6. Karat goals screen showing sample savings targets and progress
    See the goal, deadline, and pace.

Problem

A bank balance does not show what is safe to spend after the bills.

What I built

I built the calculations and screens for today’s number, spending, bills, debt, goals, and net worth.

What this means for your project

I can take a product full of numbers and put the answer people came for on the first screen.

My role

I built the app, calculations, account syncing, exports, privacy, and self-hosted service.

Related services

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01ClientGet the first build scopedSend me the customer or staff job you are sick of doing by hand. I’ll tell you the smallest paid build worth making, what it must do and how we will prove it works.02Remote roleHire a Full-Stack Product EngineerThe customer does not care which part of the stack broke. I work remotely. I can trace the problem from the customer screen through the backend, data and staff tools, then prove the action where it failed.