One app for everything you do with money. Your accounts and spending, your investments, and a trading bot you run yourself - with your company's books, your accounting and your tax return on the way. All of it against a server you own, not somebody's cloud.
Money does not arrive in separate apps, so Manu does not keep it in separate apps. Three of these work today. Three are being built, and they say so.
Every bank account and card in one ledger, transactions categorized your way, budgets and goals on top.
LiveA target allocation you can explain, the drift away from it, and what each account is actually doing.
LiveThe control room for a trading bot you host: strategies, grades, chat, analytics and backtests.
LiveA second set of books for your company, sitting beside the personal one and never mixed into it.
ComingA double-entry ledger underneath it all, with invoices, reconciliation and statements you can hand to anyone.
ComingA year-end packet built from data Manu already holds, so the return is assembled rather than reconstructed.
ComingLink accounts through Plaid, through SimpleFIN, or by pointing Manu at a bank's own OFX server - and import OFX and QFX statements by hand when a bank supports nothing else. Balances, transactions and credit card statement details land on your server, not in a third party's database.
Your own categories, applied in bulk to matching transactions. Tap a bar to see the receipts behind it.
Set a budget, watch the month fill up, and get a nudge before it does rather than after.
Set a target and a date. Manu projects the path from your real savings rate and tells you what to change if it will not get there.
Answer a handful of questions about horizon and risk, get a target allocation with the reasoning attached, and keep it as the yardstick.
The bot trades, the market moves, and the real split stops matching the target. Manu shows the gap as it opens instead of at year end.
Account values straight from the broker, an equity curve you can scrub, and returns measured after fees and commissions rather than before.
Realized and open P&L split by live and test, gainers versus losers, account values straight from the broker, the day's watchlist, and a leaderboard of which strategy is carrying the day. It refreshes over a live connection, so what you see is what the bot has.
Paper-trade a new idea next to the real book, then promote it when the numbers hold up. The flip applies instantly.
Each day the bot screens its tickers. You grade them A to F; your grades become the labels it retrains on that night.
The chat tab talks to the bot in plain language. Ask why it exited a position, change a running strategy's stop, or describe a new setup and have it written, tested and scheduled for the next trading day - as a paper strategy until you promote it.
Scrub the equity curve, then Sharpe, Sortino, drawdown, fees, best and worst days and a calendar of daily P&L - net of costs. Underneath it, a trade log with entry, exit and grade per position, and an activity feed of what the bot did and why.
Run a backtest from the phone, and watch the grader's accuracy and label counts over time so a stale model never hides behind a good week.
These three do not work yet. They are where the app is going, written down so you can hold it to them. Everything above this line ships today.
A second set of books under the same login, with its own accounts, categories and reporting - and a hard wall between it and your personal ledger.
A real ledger below the pretty charts: journal entries, reconciliation against the bank feed, invoices out, and statements an accountant will accept without rebuilding them.
By year end Manu already holds the transactions, the trades, the cost basis and the categories. The plan is to turn that into a filing packet instead of a shoebox.
Manu never sees your broker credentials or your bank logins. It signs in to a server you operate and shows you what lives there.
The Vritam server runs on a machine you control, connected to your banks and your broker. It syncs, screens, trades and grades on its own schedule.
On the sign-in screen, enter your server address and your login. Manu remembers both in the iOS keychain and nowhere else.
Money, Spending, Investing, Trading, Chat. Rearrange the tab bar to the parts you actually open, and hide the rest.
| Platform | iPhone, iOS 26 or later |
|---|---|
| Live today | Personal finance (bank sync, transactions, spending by category, bulk categorize, budgets, goals), investments (questionnaire, target allocation, drift, account performance), trading (strategies with a Test/Live switch, trades, activity, grades, chat, analytics, backtests, model health, watchlist, ticker charts) |
| In development | Business finance, accounting, tax filing. None of these work yet |
| Banks | Plaid, SimpleFIN, a bank's own OFX server, or OFX and QFX statement import |
| Brokers | Whatever your server connects to - today that is Interactive Brokers, live and paper accounts side by side |
| Data | Lives on your server. No Manu cloud, no analytics inside the app |
| Notifications | Push for new grades, loss caps and restarts, opening the right screen on tap |
| Availability | Private beta. Free while in beta |
Your accounts, your investments, your trades - and eventually your books and your return. On a server you own.
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