Money loves order.And you — the streak.
Build better money habits in minutes a day. Harmony Score shows if your financial life is improving. Quests, streaks and levels keep you moving forward.
- 1 mo
- Free trial
- 5
- Harmony pillars
- 8
- Progression levels
Harmony Score · 14-day trend ↑ +8
🔥12 daysThis week
Daily quests
2 / 3- Check in to Harmony+5
- Categorise transactions+15
- Stay on budget pace+15
160 XP to «Discipline»
This is what your progress looks like. Real data, updated daily.
The difference
Most finance apps track money.
Elixir changes behaviour.
Tracking shows you the past. Elixir is built to move you forward — turning numbers into daily action and better habits.
Traditional apps
Elixir
How it works
Three steps —
and your finances are in harmony.
No complex setup or Excel. ElixirFinance turns accounting routine into a short daily ritual.
Harmony Score · how it works
Five dimensions.
One honest
index.
Score from 0 to 100 isn't magic — it's a weighted sum of five pillars. See which one drops, know what to improve. Transparent, no black boxes.
Final formula
Harmony = Σ (score × weight) → Budget·82×0.25 + Savings·68×0.25 + Debt·94×0.2 + Buffer·57×0.2 + Discipline·71×0.1 = 73
Gamification
Expense tracking,
that pulls you in.
We took what makes Duolingo addictive — streaks, quests, levels — and brought it to money. Routine becomes a ritual.
Day streak
days in a row in harmony
Freeze ❄️
Missed a day? A freeze saves your streak. Up to 2 in stock.
Reward +1 ❄️
Every 7 days of streak gives a new freeze — no fear of illness or holidays.
Daily quests
2–3 micro-tasks a day
Take a couple of minutes. Flexible — don't punish for a big purchase. Change day by day.
- +5 XP
Check in to Harmony
- +15 XP
Categorise transactions
- +15 XP
Stay on budget pace
XP and levels
Level up
160 XP to «Discipline»
Progression · 8 levels
From Rookie to Legend
- 1
Rookie
0 XP
- 2
Apprentice
150 XP
- 3
Saver
400 XP
- 4
Confident
800 XP
- 5
Discipline
1400 XP
- 6
Master
2200 XP
- 7
Harmony Guru
3200 XP
- 8
Legend
4500 XP
Stop putting your money in order off. Start your streak today.
Start the first streak🔥AI assistant
Not just charts.
An assistant that answers.
Ask about your money in plain language. Elixir's AI reads your own transactions, explains what's happening and tells you what to change next — grounded in your data, never made up.
- How much did I spend on taxis in May?
- £42.80 across 9 rides — 18% less than April.
- How do I raise my Harmony Score?
- Your Savings pillar is lowest. Move £150 to savings this month to lift it from 68 to ~76.
Try: «Can I afford a £300 purchase this week?»
Tips toward your Harmony Score
Periodic, automated suggestions for adjusting spending and budgets to move closer to your target score.
Understands your behaviour
Analyses your saving and spending patterns and gives tailored answers — not generic advice.
Grounded in your data
Every answer is based on your real transactions. No invented numbers, no guessing.
AI suggestions are informational, not financial advice.
Ask your money anythingUnder the hood
A full tool,
not just a game.
The hero is Harmony and gamification. But behind it is real fintech: import, multi-currency, AI, budgets and debts — all in one app.
Open Banking in one click
Connect an import source or upload a statement. The service recognises transactions, finds duplicates and categorises spending.
- SupermarketGroceries-8.54 £
- TaxiTransport-1.29 £
- SalaryIncome+470.00 £
Multi-currency · Bank of England
Accounts in different currencies — everything is recalculated at official Bank of England rates. See a unified net worth.
Bank of England · today
- USD$1.27+0.2
- EUR$1.18−0.1
- GBP£1.00—
AI assistant on your data
Ask «how much did I spend on taxi in May» — the assistant answers based on your transactions, without making numbers up.
- How much did I spend on taxi in May?
- 42.80 ₸ · based on your transactions
AI · on your data, no made-up numbers
Security & privacy
Handing a new app your finances
is a big deal. Here's why it's safe.
You should think twice before giving any app your transaction history. So here's exactly what Elixir can and can't do with your data.
Read-only by design
We can never move or touch your money. Bank connections run through regulated Open Banking (Plaid & Finexer) — we never see your bank login or password.
Bank-grade encryption
Data is encrypted in transit (TLS) and stored in an encrypted database on our own European servers — not sitting on someone's laptop.
Never sold, never shared
No ads, no trackers, no data brokers. We don't sell your data — ever. The AI only sees your data to answer your questions.
Delete in one tap
Wipe every transaction, disconnect a bank, or delete your whole account instantly. Your data is yours to take back at any time.
- TLS encrypted
- Regulated Open Banking
- EU servers
- No data sold
Beta testers
What early testers
are telling us.
Real words from people in our early-access interviews — before we'd built half of this.
“Periodic automated tips for adjusting my spending and budget to move closer to my Harmony Score.”
“I currently use Excel spreadsheets and Monzo's internal tools to track my finances, but they are quite limited. I'm looking for more advanced dashboards and analytics to better visualise my cash flow — and this app could be a real deal breaker.”
“If it automates my financial planning and analyses my saving and spending behaviour to give tailored answers, I would definitely use it.”
Would this motivate better financial habits?
“Yes — more than tools I've used before.”
Quotes from early-access user interviews.
Pricing
Start free.
Pay for progress.
One month free with full access. After that, keep going monthly or save with annual — and earn Harmony Credits toward your renewal.
Free trial
1 month, full access
- Everything in Elixir for 1 month
- Build your first Harmony Score
- Earn up to £10 in Trial Credits
- No charge during the trial
Annual
RecommendedBest for building habits
- Everything in Elixir, all year
- Best value — 2 months cheaper
- Earn up to £50/year in Credits
- Credits applied at renewal
£79 launch offer
Monthly
- Full access to Elixir
- Fixed price — no surprises
- Cancel anytime
- Earn Harmony Credits
Harmony Credits
The better your habits, the less you pay.
Earn Harmony Credits for check-ins, a rising score and savings actions. They accumulate through the year, up to £50, and are applied at your annual renewal.
Harmony Credits are loyalty credits, not cash — they can't be withdrawn.
Prices in GBP. Cancel anytime. Subscription billing rolls out at launch.
It's a single financial-health index from 0 to 100. It's built from five pillars: Budget, Savings, Debt, Safety buffer and Discipline — each with a clear weight. The higher the Score, the healthier your financial position.
Check in every day and complete 2–3 daily quests — your streak grows. A missed day can be «forgiven» with a freeze, and every 7 days of streak earns you a new freeze (up to 2 in stock). That turns expense tracking into a stress-free habit.
Yes. We never ask for your bank login or password — you only upload a PDF statement. Data is processed on our servers, stored in an encrypted database and isn't shared with third parties. Any import can be deleted in one click.
Start with a one-month free trial — full access, no charge. After that it's £14.99/month or £99/year (the recommended plan). As you build better habits you earn Harmony Credits — up to £50/year — applied at your annual renewal.
Right now — a PDF statement for the Kaspi Gold card from the Kaspi.kz app. You can also add transactions and accounts manually. Support for Halyk and Freedom is already in the works.
No, but you'll want to. Daily quests take a couple of minutes, and the streak and levels make it addictive. If you miss a day, a freeze saves your streak. Harmony Score is recalculated either way, even without daily check-ins.