Your money, calm and clear.
scella connects your bank accounts and cards, sorts every transaction, and shows how the month is going: what came in, what went out, what’s coming up, and what needs you. Budget by category or with one weekly number, and arrange your accounts the way you think about them. No ads, no upsells, no noise.
September
Good morning
$4,815 spent of a typical $4,586 month (12-month average)
−$1,926 owed
The screens on this page are the real app, showing a made-up household.
See where the month went
Income flows in on the left, spending flows out by group on the right, and what’s left over shows as saved. This household earned $9,540 in September and spent $4,815. Tap a group to see what’s inside it. Transfers between your own accounts and card payments are never counted as spending.
Hover or tap a flow to see it. Tap a spending group to see its categories below.
Show as table
| From | To | Amount |
|---|---|---|
| Paycheck | Total | $9,540 |
| Total | Housing | $2,269 |
| Total | Food & Dining | $1,133 |
| Total | Auto & Transport | $543 |
| Total | Bills & Utilities | $362 |
| Total | Family | $280 |
| Total | Shopping | $206 |
| Total | Health & Wellness | $22 |
| Total | Saved | $4,725 |
A plan that includes your income
Plan what you expect to earn and what you mean to spend, category by category, with groups that add them up. “Left to budget” tells you how much is unplanned. Dining Out shows red here: $303 of a $280 plan.
Income
$9,540
of $9,500 planned
Spending
$4,815
of $5,359 planned
Left to budget
$4,141
Planned income − planned spending
Net
+$4,725
Actual income − spending
Already spoken for: amounts only, nothing to track. Recurring charges are fixed too, on the weekly view.
- Mortgage$2,150.00
- Utilities$331.61
- Subscriptions$30.47
- Car Payment$389.00
Or just one number for the week
Some people don’t want ten categories to watch. Weekly spending gives you one amount for everything that isn’t fixed (groceries, gas, dinners out) and tells you what’s left. Fixed costs like the mortgage and subscriptions are found automatically and set aside as “already spoken for”, so there’s nothing to track there. scella suggests an amount from a typical week of your own spending ($370 here), and you decide.
$138 left
$462 spent of $600 · resets Monday · about $34 a day for the 4 days left
- Rocket Mortgage$2,150.00
- Toyota Financial$389.00
- Allegro Music Lessons$160.00
- PG&E$155.22
- Bay FC Youth Soccer$120.00
- Verizon Wireless$96.40
- Comcast Xfinity$79.99
- Netflix$15.49
- Spotify$11.99
- Apple iCloud$2.99
Your accounts, grouped your way
Put accounts into groups that make sense to you, like everyday cash, savings, card debt or retirement, each with its own total. Debts read as what’s owed. And if one big net worth number feels more scary than useful, turn it off.
Everyday cash
$6,240
Joint Checking
Savings
$18,450
High-Yield Savings
Credit card debt
$1,926 owed
Cash Rewards Visa · Blue Cash Everyday
Retirement
$64,821
401(k)
Every bill on a calendar
scella finds charges that repeat (subscriptions, the mortgage, lessons) on its own, even when the date moves around a little. Each charge is its own line, so two subscriptions from one company stay separate, and anything that isn’t really recurring is one tap away from “Not recurring”. The calendar shows what’s been paid and what’s still coming, and you’re told when a price changes or a bill doesn’t show up.
- Paid
- $3,025.86
- Still to come
- $0.00
- Total
- $3,025.86
Nothing left to come this month
Everything expected this month has been paid.
Show the whole month as a list
- Sep 1 · Rocket Mortgage · Paid$2,150.00
- Sep 3 · Bay FC Youth Soccer · Paid$120.00
- Sep 5 · Netflix · Paid$15.49
- Sep 6 · Allegro Music Lessons · Paid$160.00
- Sep 10 · Toyota Financial · Paid$389.00
- Sep 12 · Comcast Xfinity · Paid$79.99
- Sep 18 · Spotify · Paid$11.99
- Sep 20 · Verizon Wireless · Paid$96.40
- Sep 22 · Apple iCloud · Paid$2.99
Every transaction, your way
Search and filter everything. Split one Costco run between groceries and household. Add notes and tags. Teach scella once, and it remembers: a payee rule says “this store is Groceries from now on”, and it can change from a date, so a tutor this spring isn’t a tutor forever.
- Sushi RanDining Out · Anniversary−$54.20
- CostcoSplit · 2 categories · note: School supplies + groceries−$186.42
- Groceries$128.42
- Household$58.00
- Contoso Ltd PayrollPaycheck+$2,850.00
- Payment to Cash Rewards VisaTransfer · Chase → Bank of America$1,450.00
- NetflixSubscriptions · ↻ recurring−$15.49
Payee rule · Riverside Tutoring
- From the beginningKids Activities
- From Jun 1, 2026Education
Told about what matters, nothing else
A large charge, a budget passing its plan (or your weekly amount), a bank that needs you to sign in again, a bill that’s late, and a short summary on Sunday evening. Choose which alerts reach your phone, set quiet hours so nothing buzzes at night, and clear anything with one tap.
9:41
Thursday, September 24
scellaSep 1Large charge: $2,150.00 at Rocket Mortgage
Joint Checking ••4821 · Sep 1
- scella2h ago
Dining Out is over plan: $303 of $280
- scellaSun
Your week
Spent $579 · earned $4,770 · net +$4,191. Most went to Food & Dining ($324).
Private by design
Two-factor sign-in
Every account needs a code from an authenticator app, every time.
Read-only bank access
Banks connect through Plaid, the service most finance apps use. scella can read balances and transactions, never move money.
Yours alone
Each person sees only their own data. It’s never sold, shared or used for ads.
Help only with your OK
If you ever need help, you can let support look at your account for 24 hours. It’s read-only, and every look is shown to you.
Invitation-only
There’s no public sign-up. Accounts are created for family and friends.
No ads, no upsells
Nothing to buy, nothing pushed at you. Just your money, organized.
Want to try scella?
scella is invitation-only for now. Send a note and I’ll set you up, or tell me what you’d want from it. Already have an account? Sign in.