One picture
Current accounts, cards, savings accounts and securities portfolios updated together. The balance you see is the real sum, not yesterday's snapshot.
Recognise, tidy, subtract
LIBRA does three things, and it does them across every account at once: it works out what each transaction is, it strips out duplicates and internal transfers, and it subtracts what is already committed. The rest of this page is the detail of those three.
What is inside
Categories that learn
Every transaction is recognised and assigned. Correct one once and LIBRA remembers: after a month most of the work is already done.
Budgets that warn early
You set the thresholds, category by category. The warning arrives at seventy per cent, not once you have already gone over.
Recurring charges lined up
Subscriptions, instalments and utility bills are recognised and ordered by their next charge date. They are the first thing the subtraction takes out.
Real return
On investments we strip out fees, stamp duty and currency: what remains is the number that actually counts, and it is usually lower than the one in your bank's app.
Documents ready to go
Yearly ledger, capital gains and a per-category summary in a single file, in the format the accountant expects.
Three steps, then the number keeps itself up to date
You connect once. From then on LIBRA reads, tidies and recalculates without you having to open anything.
Connect
Banks and cards connect over the link PSD2 provides for. LIBRA gets read-only access: no transfers, no withdrawals.
We tidy up
Transactions are stripped of duplicates and assigned a category. Moves between your own accounts are not counted as spending.
You decide
Available, committed and upcoming, on one screen. You choose from there instead of finding out at the end of the month.