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Vigeo

Vigeo is built on years of personal budgeting experience, designed to simplify your financial planning while delivering powerful results. It provides everything you need to stay informed and in control of your budget.

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Where it began?

In 2016, my wife and I took a big step—we moved into a small rented apartment together. From day one, we decided to budget as a team. I had seen my parents face financial challenges, and I was determined to avoid money-related conflicts in our relationship. We started with a notebook, recording every expense. It felt responsible and mature, but it quickly became clear that budgeting was more than just tracking numbers—it was a deeper, ongoing challenge.

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Enter Google Sheets

Our early attempts at tracking expenses were far from perfect. We missed entries, forgot expenses, and our numbers rarely added up. That's when someone suggested using Google Sheets.
It felt like an upgrade. We could categorize expenses, calculate totals, and even generate charts. It brought much-needed structure to our budgeting process. However, it wasn't the ideal solution:
- Overspending on Targets: While we could set limits for categories like groceries and dining, we often discovered we had exceeded our targets only at the end of the month when we updated the sheet.
- Time Consuming Updates: We tried switching to weekly updates to stay on track, but the process was too tedious to sustain.

Eventually, Google Sheets became more of a chore than a solution. Just as we were about to give up, something exciting happened.

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The Banking App Era

A banking app entered our lives, and it felt revolutionary:
- Automatic categorization saved us hours.
- Budgeting per category became easier.
- Joint accounts so we can spend from one place

But, as good as it was, problems remained:
- Categories were often incorrect.
- Automated transactions felt out of sync with our budgeting goals.
- Despite having access to detailed statistics and charts, we lacked a strategy for improving our savings.
- Cash transactions still had to be entered manually in Google Sheets.

Despite the improvements offered by the banking app, we still relied on Google Sheets to get a complete view of our finances. However, even this combined approach had a significant flaw: it didn't account for long-term expenses.

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The Big Picture Problem

Budgeting monthly gave us clarity—but only on a surface level. Major expenses — like new smartphones (every 3 years), car tires (every 2 years), or home renovations (every 7 years), were often overlooked. These "predictable" costs weren’t fully accounted for, leaving gaps in our financial planning.
We realized that to truly understand our finances, we needed to integrate these predictable expenses into our budget. Whenever an unexpected big expense happens, we take into account when was the last time it happen, adjusting for inflation. For future planning we set up monthly payments for it. For example if a renovation of 10 000 happens every 7 years. The months of 7 years are 84. We divide 10 000 by 84 and it turns out that we should put aside 120 every month for this. If we decide to not renovate later that's fine.

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Strategic Savings

We’ve always loved the idea of passive investing and wanted to ensure that every month, a fixed amount automatically went to our broker. This led us to a strategy of fixed and relative savings:

- Fixed Savings: Essential savings, like investments, had a set amount.
- Relative Savings: Non-essentials, like vacations, hobbies, and shopping, were tied to what we saved overall. For example we can set 50% for vacations, 35% business and 15% hobby from after what is left from fixes savings. This approach motivated us to save more—knowing that the better we saved, the better our experiences could be and we always plan our vacations in advance, stress-free.

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The rule that simplified our budgeting

One day, I stumbled upon a Khan Academy course on budgeting for 7th grade. 50/30/20 rule (I wish I'd learned this sooner!)

- 50% on needs (housing, utilities, groceries).
- 30% on wants (dining out, hobbies).
- 20% on savings.

Instead of having a budget limit for every category, this divided our spending into two parts: needs and wants. This further simplified our budgeting experience. However, instead of strictly following this rule, we adapted it to our approach. We aimed to spend as little as possible on needs, but not more than 50%. If we did exceed 50%, we make up a plan to pull it down within six months. And then it worked. The same went for wants: we aimed to spend as little as possible, but not more than 30%. Everything looked really simplified and nice. But something was still missing.

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The Missing Piece

We finally had a system that worked—but it wasn’t portable. At the end of every month, we still had to merge everything back into Google Sheets. No app we tried could accommodate the unique strategies we’d developed over the years. Since I have programming skills, I decided to build a solution myself—a tool tailored to our needs. After months of work, we’ve been using it for two months now, and it’s everything we hoped for:

- Quick Entry: Add transactions with a single click, even offline.
- Real-Time Impact: See how each transaction affects your monthly goals instantly.
- Shared Synchronization: Always stay in sync with my partner.
- Better Decision-Making: Decide if we can afford something before spending.
- Long-Term Planning: Manage special projects like weddings or home renovations seamlessly alongside regular budgets.
- Stress-Free Freedom: Enjoy vacations and life without financial worries.

All of this is wrapped in a simple, intuitive design.
Vigeo prioritizes essential features over unnecessary complexity.

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Join Our Community

My name is Yanko, and I'm on a mission to create a truly helpful and simple budgeting tool that offers incredible value at a great price. But I can't do it alone. I need your insights! You can start by sharing your budgeting experiences in this quick poll (takes 30-60 seconds).

Since you haven't given up reading until this point I have an offer to you. We're building a community of early adopters, and we'd love for you to join us! We have 500 seats open for iOS beta testers who will get exclusive early access to the app's minimal working version. If you find it useful, you can continue using the tested version (with limited features), just like my wife and I. Plus, dedicated testers who provide regular feedback until launch will receive a lifetime 50% discount for themselves and their family.

👉 Join our Beta Community.

Let's redefine financial awareness—together.

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Vigeo is not for everyone!


We value your time and don't want to try a product that is not for you! If you see yourself in any of the blocs below, Vigeo may not be ideal for you.

Fully Automated Budgeting.

If you prefer tools that handle everything automatically, Vigeo’s manual input approach may not suit you.

Weekly or Biweekly Budgeting

Vigeo is designed around a monthly budgeting framework. However, even if you receive your compensation weekly or bi-weekly it is fine. It is just you need to budget on a monthly basis.

Extensive Feature Sets

If you’re looking for an app with every possible feature, Vigeo prioritizes balance and simplicity over complexity.

Join our Discord Community

Join

Want to be part of shaping the future of Vigeo? Join our Discord server for exclusive early access to updates, features, and announcements. Your feedback is crucial to our development process, and our Discord is the best place to share your thoughts and directly influence what we build next.