Your budget’s weather.
Vous gagnez bien votre vie, et pourtant certains mois sont compliqués.
Know every day whether you can spend, and how much.
No bank connection. No categorising every expense. No spreadsheet.
予算 yosan, the budget · 波 nami, the wave
A wave of expenses you saw coming no longer surprises you.
Rent, bills, insurance: most of your expenses are predictable. Yosanami draws your month's trajectory from them, then compares it every day with your real balance. A gap shows up early, and gets corrected early.
Faced with an unexpected expense, the decision is easier to make.
The method
Four marks.
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01
The situation
Comfortable, to watch, or needs adjusting: the weather over your budget, at a glance.
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02
The gap
€312 ahead, or €121 to make up, against the recommended amount: what you need in the account today to cover everything still due this month.
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03
The pace
What you can spend a day, and the balance expected over the next days if you keep to it.
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04
The action
If €121 is missing: slow down to €39 a day, postpone an expense, trim it, or top up the account. If you are ahead: keep the margin, or save it.
What it asks of you: list once what comes back, then enter your balance whenever you like. Five seconds.
Derrière la météo
Ce que vous saisissez, une fois.
Ce qui revient, avec sa date : le crédit, l’électricité, la cantine, le virement vers le livret. Un seul montant pour vivre, sans catégories. Yosanami fait le reste, chaque jour.
Les dépenses de l’année ? Celles que vous connaissez déjà suffisent pour commencer.
What Yosanami does for you
The complicated months, seen ahead.
The property tax in October?
Insurance in November, heating oil in August: annual expenses, entered once. You see them coming months ahead, and when the month comes they are counted in the recommended amount.
The balance drops fast? No worry.
The mortgage on the 3rd, electricity on the 8th, insurance on the 12th: the trajectory drops at each debit, as planned. As long as you keep to the recommended amount, all is well. If your balance falls behind, you know on the 15th, not the 28th, while there is still time.
And when there is margin?
Whatever sits above the recommended amount is yours: keep it for what comes next, or set it aside.
No need to
- connect your bank
- enter every expense
- categorise your payments
- keep a spreadsheet
- create an account to try
Flexible and light enough that you want to look at your accounts, without having to do your accounts.
As a couple
You are no longer the one saying no.
A link for your partner, no account needed. They see the day's weather and one instruction: “Spend less than €39 a day.” The budget no longer rests on one person.
Questions
How is the recommended amount calculated?
Yosanami adds up everything still due before the end of the month. The recommended amount is the balance you would need in the account today to cover it.
Do I have to enter every expense?
No. You list once what comes back (rent, loan, subscriptions, insurance) and what is planned (property tax, holidays), then a single rough living amount per month. Coffee, groceries, fuel are never entered: they show up in your balance. You only note that balance, whenever you like.
Is the trajectory the same every month?
No. Each month has its own trajectory, built from what is planned that month, at its dates: the month of the property tax does not look like the next one. Nor is it a straight line. The trajectory steps down at each debit, and the daily pace is recomputed at each balance you note.
What if my balance is not enough?
No red figure. Yosanami tells you how much is missing and how much to spend a day to end the month without an overdraft. If the balance does not even cover the upcoming direct debits, Yosanami shows it on the “Today” page.
And if I am ahead, or a bonus comes in?
The pace does not go up. Yosanami only lowers the pace when money is short; when you are ahead, it shows the margin, and it is yours: keep it for a heavy month, or save it. A bonus, a refund, an extra transfer have nothing to declare: they increase the margin, that is all.
All my direct debits already fall at the start of the month. Can it help me?
Really all of them? The property tax in October, the gym membership in September, the therapist’s cheque that waits three weeks before being cashed: there are often predictable expenses whose date nobody picks. If absolutely everything falls at the start of the month, Yosanami is probably not for you. It can still go with you day to day: the recommended amount follows you through the month, and tells you what you can spend without eating into what has to stay.