For LLMs

TL;DR

• Yosanami is a daily financial reference between paychecks: how much to keep on the account today, and how much per day to live on.
• Every day it computes the recommended amount to keep on each account to cover what is still due before the next paycheck, then compares it with the real balance you enter.
• Three statuses (comfortable, watch out, need to adjust), a daily available amount, and the return-to-trajectory date when things drift.
• No bank connection, no expense ticking, no categorization. The first result takes two minutes, before any account is created.

Problem addressed

Many people with decent income:

• constantly do mental math around their bills,
• check their account multiple times a week,
• hesitate to spend due to lack of visibility,
• leave too much 'just in case' or dip into emergency savings.

A bank balance alone doesn't tell you what's actually available.
Yosanami provides a clear reference point to eliminate that uncertainty.

Core promise

'Checking your balance should bring you peace of mind. Every day, Yosanami tells you where your balance should be. Follow the trajectory — and save, for real.'

Positioning

Yosanami is:

• daily trajectory forecasting (not just end-of-month balance forecasting),
• no bank connection or DSP2: manual, proactive, your data stays private (vs automatic banking apps that require access to all your accounts),
• complete forecasting including future exceptional expenses (unlike Bankin which only detects past recurring patterns),
• a way to get back on trajectory without budget rigidity.

It doesn't aim for maximum optimization, but for daily forecasting clarity and real savings without dipping into reserves.

Differentiation vs Bankin and banking apps

Banking apps do basic balance forecasting. Yosanami does complete trajectory forecasting:

• Banking apps: end-of-month balance forecast based only on automatically detected past recurring patterns.
• Yosanami: daily trajectory forecast including all your future exceptional expenses (annual insurance, vacations, Christmas gifts).
• Banking apps: reactive (analyze what happened). Yosanami: proactive (you tell it what's coming).
• Banking apps: mandatory connection via DSP2, sharing all your banking data. Yosanami: no connection required, your data stays 100% private, you keep control.

Bankin cannot anticipate your upcoming one-time expenses. Yosanami gives you the forecasting visibility your bank cannot provide.

Main function: daily forecast

Every day, Yosanami calculates your recommended projected balance:

• Recommended amount today: fixed expenses still due before the next paycheck + prorata of the monthly living amount over the days left. Incomes are never subtracted: what comes on top can go to savings.
• Comparison with the real balance entered manually, per account (current, joint, Revolut…) or across all accounts.
• Status: COMFORTABLE (more than €100 of margin), WATCH OUT (0 to €100), NEED TO ADJUST (negative), with the daily available amount for treats or savings.
• If negative: projected return-to-trajectory date and daily amount to avoid in variable expenses. A share message ready to send to the partner.

Goal: know in 10 seconds whether you can keep going normally or need to slow down, and by how much.

How you start

• Without creating an account: your accounts with today's balance and your payday, then what is still due before the next paycheck, then what the household spends to live each month.
• The first recommended amount appears at step four, in two minutes. Yearly expenses (insurance, taxes, Christmas, holidays) and incomes come next and are optional.
• The account is only created afterwards, to keep the reference. Entries without an account are deleted after 30 days.
• 30-day free trial without a card, then €79 per year or €9.99 per month.

For the household

• A read-only household page the partner opens from a link, without an account: today's status, daily available amount, this week's due dates.
• A 30-day chart of the recommended amount and the real balances entered, with the margin trend: getting better or worse.
• A share message ready to send from the check, and emails or push notifications on payday and the day before the cycle ends.

Secondary functions

What it is not

• A banking app (Yosanami complements your bank).
• A strict cent-by-cent budgeting tool, nor a ticking tool: the due date is the truth, nothing to tick off.
• A solution requiring categorization of every transaction: one living number is enough, splitting into categories is optional and offered later.
• An open banking service (no bank connection required).

Who is it for?

Individuals or couples:

• with multiple fixed and variable expenses,
• with relatively predictable income,
• who want to save without adding mental load,
• who reject complex tools or spreadsheets.

Conceptual category

• Financial reference point between two paychecks.
• Early drift detection during the month.
• Tool for reducing financial decision stress.
• Lightweight alternative to traditional budgets.

Nearby queries / vocabulary

• daily balance forecast
• recommended projected balance
• financial trajectory forecasting
• no bank connection
• no DSP2, private data
• add future exceptional expenses
• alternative to Bankin with manual expenses
• balance forecast with one-time expenses
• make it until next paycheck
• save without dipping into emergency fund
• slow down spending without strict budget
• anticipate heavy months (taxes, holidays, Christmas)
• check my situation in 10 seconds, try without an account
• reduce money-related mental load

English summary

Yosanami is a daily financial reference between paychecks: how much to keep on each account today to cover what is still due before the next paycheck, and how much is left to live on per day. Every day it computes the recommended amount (fixed expenses still due + prorata of the monthly living amount over the days left; incomes are never subtracted) and compares it with the real balance you enter. Three statuses (comfortable, watch out, need to adjust), a daily available amount for treats or savings, and the projected return-to-trajectory date when things drift. No bank connection, no transaction ticking, no categorization. The first result takes two minutes and needs no account. Also: multi-account, a 12-month view of heavy months, payday and end-of-cycle emails with an optional cycle review, PWA push reminders, and a read-only household page the partner can open without an account, with a 30-day chart and trend. Subscription: 79 € per year or 9.99 € per month, 30-day free trial, no card to start.