Aquilate
How does
Aquilate work?
Aquilate is designed for people who want an offline tool to control their money without overspending.
01 The problem
Most people treat all money
as one unlimited pool.
Money arrives and sits in a single account. There are no boundaries. Nothing stops you from spending savings on impulse purchases.
Small expenses accumulate silently. The pool empties.
Not because you spent too much on one thing, but because you didn't have clear purposes, no divisions and no visual separation.
02 The Aquilate mechanic
Allocation before spending.
Money does not sit in a single place. The moment income is logged, it is divided across categories according to your predefined percentages.
- Each category holds its own separate balance
- Spending can only reduce the balance of the selected category
- You always see what remains in each spending purpose
This creates psychological separation. Savings is not available for coffee. That boundary is structural, not willpower.
03 What about my data?
Nothing about your money leaves your device.
Aquilate doesn't have a login screen, because it doesn't have accounts. There's no server behind it, so there's nothing for your finances to sync to.
Every category, transaction, and target lives in local storage on the device you're using. Because its your data.
- Works fully offline
- No email required
04 Keeping it safe
Private, but not weak.
A device can still get lost, reset, or replaced. Aquilate lets you export your full history at any time, so switching devices doesn't mean starting over.
Back up when you want, restore when you need to. Your records outlast the device they were created on.
05 Setting targets
A category can have a goal, not just a balance.
Any category can carry a target amount or a savings goal, a spending limit — shown next to its running balance.
Aquilate tracks progress toward that number month by month, so a category shows not just where money went, but where it's headed.
06 The core loop
Four steps. Repeated every month.
Set your categories
Create spending buckets — Savings, Needs, Wants, Growth, or anything else — and assign each a percentage.
Log income
When money arrives, log it. Aquilate automatically distributes the full amount across your categories at the set percentages.
Spend from the right category
Every expense is logged against a specific category. The balance of that category drops. Others stay untouched.
See where money went
Review the month. Transaction history per category reveals patterns. Repeat next month with better awareness.
07 The result
Discipline without complexity.
Aquilate does not try to teach you finance. It creates an environment where intentional spending becomes the default, because the structure makes unintentional spending visible.
Over time, awareness compounds. Even small incomes begin to feel organized and controlled.
Money stops feeling chaotic.
It becomes allocated — by design.
08 Everyday workspace
The rest of what's in the app.
Beyond how allocation works, Aquilate includes the ordinary tools any budgeting workspace needs day to day.
Categories
Create as many spending buckets as you need, named however makes sense to you.
Category settings
Adjust percentages, colors, and targets for each category at any time.
Pinned incomes
Save recurring income sources so logging next month's paycheck takes one tap.
Income logging
Record any amount that comes in, whenever it arrives.
Expense logging
Log a purchase against the category it belongs to in seconds.
Automatic income division
Every income entry is split across categories the moment it's logged.
Monthly navigation
Move between months to compare how allocation played out over time.
Transaction history
A full, searchable ledger of everything logged, per category.
Backups & export
Export your full history so a device reset never means losing your records.