For one person
Banks, cards, cash, a wallet and an exchange. One book, and budgets that warn on day six.
Tomás Oliveira lives in Lisbon, is paid in euros, keeps savings on an exchange and in a wallet, and bills a client in USDC.
Banks, cards, cash, wallets and an exchange, in one list
Two banks, a card, cash, BTC on Binance, ETH in a wallet, USDC on Base: one figure in euros.
Accounts and rails in depth →Two bank accounts, a card, cash in the drawer, BTC on Binance, ETH in a wallet, USDC on Base. What is the one figure, and what is each of them today?
Ads and hosting
•••• 4417
FrozenOrlaVirtual
4512 •••• •••• 2093
HolderTomás OliveiraExpires09/29
VISAA virtual Visa from one prepaid balance, topped up in USDT or USDC.
Send, receive and swap from a verified wallet, and WalletConnect brings in the wallet you already use, nothing to install, no key to hand over.
Categories · 212 rows filed
Rule, in words
payee contains Hetzner → Software & subscriptions
Keep the ruleUndo
A rule written in words files the next Bolt ride the way the last one was filed; it can be applied backwards to the rows already in the book.
One queue for everything that arrives: quarantined mail, receipts, and the expenses still without paper.
Who owes whom, and on which day
A mortgage with its schedule, a laptop a friend pays back monthly, and the receipts that still have no row.
Budgets in depth →Thirty-one installments paid and three hundred and thirty to go, a friend paying a laptop back monthly, a dinner owed since Friday. Who owes whom, how much is still open, and on which date is the next payment due?
EDP · electricity84Due
MEO · fibre35Due
Condominium fee120Due
Água de Lisboa27Paid
Bills by status, with the ones waiting for your word on top.
ArrivesRead asFiled under
Filed by a schema you set in words, with versions and access.
Budgets, goals, and one calendar for it all
Budgets that name the day they run out, and one calendar with the low point of the month on it.
Budgets in depth →Subscriptions are at half by the middle of the month and dinners out are piling up. Which limit breaks first, and on which day?
Emergency fund80%Near
New laptop64%On track
Trip in October52%On track
A goal counts marked transactions or the balance of the accounts you link to it, and shows the pace it is on.
Sep 15Figma · 4 seats60
Sep 18Modal · compute340
Sep 20Professional indemnity insurance274Renews
Oct 1Studio rent · Lisbon2,400
Oct 1Notion · team48
Everything dated on one page: what is overdue, what falls this week, what is coming in, and where the balance lands at month end.
The assistant
Ask it what has gone up in price.
Banks, cards and a wallet in one book: the composer answers about your own month and offers one press.
The assistant in full →- Reading the schedules
- Comparing month by month
Two: Spotify up 2 since April, and the gym moved to the yearly plan in June. Everything else is flat.
What it takes on
- Subscriptions that got dearer
- The same schedule compared over the months: Notion up 18% since July, and Figma added a seat.
- A threshold on the forecast
- The USD account goes under 5,000 on the 23rd, said a week before rather than the morning after.
- What is burning, one list
- Overdue invoices, loans and milestones, connections down, payments waiting for a signature for more than a day.
Connections
Connected the way your money is already kept.
The bank by feed, the exchange by read-only key, the wallet by address, and the phone for cash and receipts.
- Plaid
- Revolut
- Binance
- Coinbase
- Kraken
- OKX
- Bybit
- Ethereum
Control and trust
What one person needs to trust the book.
- Read only
- An exchange key reads balances and trades and nothing else; an order can never go out.
- Your keys
- A wallet is watched by address; a seed you import is encrypted in the browser, and the server never reads it, by construction, not by policy.
- Your own space
- A personal space is separate from any family or group you join; your salary is never household news.
- Free to start
- The free plan has no card and no time limit; every connection is read only, from the first day.
Questions
The questions that come first.
Does Orla need my exchange password?
No. An exchange connects with a read-only API key you make there: balances and trades come in, orders cannot go out. A key with trading rights is refused.
Can I keep cash and a statement from a bank that has no feed?
Yes. Cash is added by hand or from the phone, and a PDF or CSV statement in any language imports into the same list, so the bank without a feed is still in the net worth.
What does it cost for one person?
The free plan has no card and no time limit. Paid plans start at $25 a month, and any single limit can be raised with a pack instead of a plan change.
See it on your own books.
Thirty minutes: we connect an account, drop a real bill in, and close a month together.