Liberora: Budget & Net Worth

Liberora doesn't just tell you what you spent. It shows how every choice builds your financial freedom: spending → saving → investing → net worth → freedom.

🔒 YOUR DATA STAYS ON YOUR PHONE
No account, no servers, no analytics on your finances: your financial data stays on your phone and never reaches us or advertisers. AES-256 encrypted backups, PIN and fingerprint lock.

⚡ LOG AN EXPENSE IN 3 SECONDS
• Keypad with built-in calculator and suggested categories
• Type "coffee 3.50 yesterday" and Liberora understands amount, category and date
• Recognises common merchants and learns from your corrections
• Import your bank statement as CSV, without duplicates

🎯 YOUR FINANCIAL FREEDOM
• Freedom Number: the net worth that would make you free, with the math explained step by step
• Days of freedom: how long you could live without working
• Estimated date shown as a range of three scenarios (conservative, base, optimistic)
• What if: see what happens if you save €200 more, invest more or earn more
• Classic, Lean, Fat, Coast and Barista FIRE explained simply

💶 BUDGETS AND SPENDING UNDER CONTROL
• Category budgets with spending pace and gentle alerts
• Monthly plan: give every euro a job
• Subscriptions detected automatically and a bill calendar
• Yearly expenses: how much to set aside each month
• Savings rate for the month and over time

📈 NET WORTH AND INVESTMENTS
• Net worth chart: accounts, ETFs, pension fund, home, debts
• Contributed capital separated from growth
• Debts with payoff date, Snowball and Avalanche
• Compound interest simulator

🧭 A COACH THAT TALKS WITH YOUR NUMBERS
• "Why did I save less this month?" "How much do I spend on subscriptions?"
• Weekly actions, insights and monthly review
• Financial health score, levels and milestones that reward consistency

💎 FREE, WITH ADS
Liberora is completely free: every feature is included, with no subscriptions and no in-app purchases. It's supported by discreet ads: a banner in the main screens and, now and then, an ad after you save. Never while you type, never on your numbers. Need a break? Watch a short video and get 24 hours without ads.

Liberora provides information and simulations based on hypothetical returns: it is not financial advice.