We Build Financial Clarity Through Smart Budgeting
Started in 2022, we've been helping people in Vietnam understand where their money actually goes. Not with fancy promises or complicated systems—just straightforward budget categorization that makes sense.
It Started With A Simple Question
Back in early 2022, Thanh Cường kept asking himself why budgeting felt so unnecessarily complicated. Every app wanted to be everything at once. Every service promised miracles.
He just wanted to know where his salary was disappearing to each month. So he started categorizing expenses in a spreadsheet. Then his friends asked if they could use it. Then their friends asked.
By autumn 2022, we had a real platform. Nothing revolutionary—just a sensible way to sort spending into categories that actually matter to Vietnamese households.
How We Think About Money Management
We don't claim to have reinvented personal finance. But we do have some opinions about what works and what doesn't.
Categories Should Feel Natural
Vietnamese families don't think about spending the same way American or European families do. We designed categories around real patterns—family obligations, street food habits, motorbike maintenance. The stuff that actually shows up in your transaction history.
Data Privacy Isn't Optional
Your spending patterns reveal a lot about your life. We don't sell that information. We don't share it with advertisers. We barely look at it ourselves unless you ask for help. This should be standard practice, but apparently it's not.
Education Over Automation
Automated budgeting sounds great until the algorithm miscategorizes your Tết gift money as entertainment spending. We'd rather teach you how the system works so you can make your own adjustments. Takes longer upfront, works better long-term.
Realistic About Results
Budget categorization won't make you wealthy. It shows you patterns. What you do with that information is up to you. Some people find they're spending too much on delivery apps. Others realize they need to budget more for healthcare. Both are useful insights.
The People Behind The Platform
Small team. Everyone actually uses the product. Nobody has a fancy MBA. We prefer it that way.
Thanh Cường
Founder & Lead Developer
Built the first version in three months while working another job. Still writes most of the code. Has strong opinions about database architecture.
Minh Nguyệt
User Education
Teaches people how to actually use budget categories without making their eyes glaze over. Used to be an accountant, so she knows where the confusion happens.
Đức Lâm
Support & Documentation
Answers questions and writes documentation that people actually read. Also maintains the knowledge base when he's not helping users figure out their import errors.
How We Got Here
Not exactly a dramatic story. But here's what happened year by year.
The Spreadsheet Phase
Thanh Cường builds a Google Sheet to track his own spending. Shares it with five friends. They all say it's helpful but ugly.
First Real Platform Launch
Basic web version goes live. Forty-two people sign up in the first week, mostly from word of mouth. The server crashes twice. We learn a lot about database optimization.
Mobile Experience Arrives
People want to categorize expenses from their phones. Makes sense—that's where most transactions happen anyway. Mobile-friendly version launches after three months of weekend coding.
Education Focus Shift
We realize people need more help understanding their spending patterns, not just more features. Minh Nguyệt joins to build learning resources. User satisfaction improves noticeably.
Continuing The Work
We're still here. Still focused on budget categorization that makes sense for Vietnamese households. Planning to add more educational workshops throughout 2025 and into 2026.
