- Type
- Web app
- Runs on
- Any modern browser
- Get it
- In development
- Price
- €2.99/mo Subscription
Screenshots
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Home — what's safe to spend until payday, the current mission, and a Guardian that stays quiet when nothing needs you. Shown in Spanish.
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Plan — the money left free today, in a week, a month and three months, after everything that's coming.
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Fixed costs in money and in time — 902 € a month is 64 hours of working life.
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Decide, being built — where an extra 100 € makes a difference. Every path is shown; none is marked better.
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Codex — your financial history as facts: four pillars and achievements earned with real money.
About BANDUA
Most money apps tell you where your money went. BANDUA works on a harder question: how much of it is actually yours to spend — after the bills that are coming, the taxes you'll owe, the money set aside for your goals and the buffer you never want to touch.
It turns that into a plan you can read at a glance: what's safe to spend until payday, how each goal is progressing and when you'll get there, what's coming over the next weeks and months, and what every recurring cost really costs in hours of your working life.
BANDUA borrows the language of strategy games — missions, a codex of what you've built — but every number is your own money. No points, no streaks, no fictional currency. Real life is the game; real financial progress is the reward.
BANDUA calculates. You decide. It doesn't judge purchases, predict the future or give investment advice: it shows consequences, calculated from your own data and assumptions.
BANDUA is in development and isn't open to the public yet.
Highlights
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Safe to Spend
What you can actually spend until payday — after upcoming bills, the tax reserve, your missions' plans and the buffer you set. Itemised, so you can always see why the number is what it is.
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Missions
Goals with a target and real contributions, the days each contribution brings you closer, and the arrival date your monthly amount implies.
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Money → time
Recurring costs and purchases translated into hours of your own working life, from your real net income and working hours.
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Plan
The free money ahead — today, in 7 days, 30 days and 3 months — after income, commitments, tax reserves and mission plans.
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Fixed costs & subscriptions
Every recurring payment on any schedule, with monthly and yearly equivalents, price history and its cost in working time.
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Taxes set aside
A tax reserve for Spain with versioned rules, estimates and what you actually paid — so tax money is never mistaken for spending money.
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Codex
A record of what you've built with real money — four pillars (security, stability, freedom, growth), milestones and personal records. No points, no streaks.
A balance isn't spending money
Say your bank shows €3,000. €600 is already promised to bills due this month, €400 belongs to the tax office, €500 is protected for a goal and €300 is the buffer you never want to touch.
What's genuinely free is €1,200 — and that is the number BANDUA puts first. Committed, protected and reserved money stays visible, but it's never presented as money to spend.
When everything is covered, BANDUA says so — nothing needs your attention — and what's left is yours to spend without guilt.
The Guardian
BANDUA's guardian comments on your month in the voice you choose — protective, analytical, deadpan, honest, unfiltered, or silent. It's direct and occasionally dry, never cheerful filler, and it never comments on you as a person.
It has one hard rule: it never states a financial consequence that isn't calculated from your own data. Every number in its lines comes from BANDUA's engine. It isn't an AI adviser, and it stays silent when there's nothing worth saying.
Strategy, not a game
Missions, a codex and progress you can see make planning something you want to come back to — but nothing is invented. There's no virtual currency, no experience points for tapping buttons, no streaks to protect and no comparison with anyone else.
BANDUA is designed to need less of your attention, not more. A good month can end with nothing to do at all.
On the roadmap
Where BANDUA is heading. Nothing here is available yet.
- Being built
Decide
Model a choice before you make it — a purchase, extra money, a job offer — and see its effect on Safe to Spend, your emergency protection and each mission's arrival date, side by side. BANDUA shows the consequences; you choose.
- Being built
Financial position
Your cash timeline ahead, its lowest point, how reliable your income is, and how long your money would last.
- Being built
Your baseline
What a normal month looks like for you — explaining a month in plain terms, spotting recurring costs creeping up, and comparing today with your own past.
- Next
Bank connections and import
Import from your bank (Revolut files and CAMT.053 statements first) and read-only connections through a regulated provider — with categorisation that learns, and recurring costs detected for you.
- Next
Subscriptions that earn their place
Price increases, renewals, lifetime spend and time cost for each subscription — and a graveyard of the ones you cancelled, with what that saved.
- Next
Payday and financial radar
A payday routine that sends money where you decided it goes, and a calendar of what's coming over 7 days, 30 days, a quarter and a year — bills, taxes, renewals and collisions between them.
- Later
Strategies and rules
Strategies you choose — build, protect, recover — and rules that run on payday or at month end ("protect bills and taxes, send €300 to Japan, keep €300 as a buffer"), checked against your own history before you switch them on.
- Later
Life scenarios
The same engine applied to bigger decisions — a new job or losing one, moving country, a year of study, going self-employed, a sabbatical — compared as alternative futures based on your own numbers and assumptions.
Pricing
Subscription
€2.99/mo· Subscription
BANDUA is paid as a monthly subscription.
The planned price at launch. BANDUA isn't available yet, so nothing can be bought.
Privacy
No advertising, no selling data, no bank passwords and no payments made on your behalf.
- Passwords hashed with Argon2id; sessions are server-side and can be reviewed and closed per device.
- Export everything, or delete your account and all its data.
- Bank connections, when they arrive, will be read-only through a regulated provider — BANDUA never asks for your bank password.
- The Guardian stays silent on security, privacy, tax settings and bank connection screens.
Information
- Developer
- Ernest Magriñá
- Type
- Web app
- Category
- Finance, Productivity
- Planned
- A mobile experience is planned
- Source code
- Private source
- Languages 3
- English, Catalan, Spanish
