Tree

Money doesn't grow on trees. But it can grow roots.

TreeO splits every pula into Trunk, Leaves and Roots, so you can see where it lands before it's gone.

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Trunk · 50%

What holds the household up: home, food, transport, school, power. Half of what comes in, at most.

Leaves · 30%

What makes it a life rather than a ledger: eating out, data, the things you enjoy. Up to a third.

Roots · 20%

What you keep: savings, investments, debt paid down. A fifth or more, and saving more is never punished.

The turn

Most money apps show you the leaves.

Leaves are transactions: pretty charts, categories, another notification. TreeO is about what survives the season, and that is decided lower down.

The tale of the two farmers

They tell of a village where two farmers received the same rain. The first spent every drop on the brightest leaves, and his tree stood dazzling through summer, then fell in the first dry season. The second fed her trunk first, kept leaves enough for joy, and let a fifth of every rain sink quietly to the roots. When the drought came, the whole village ate from her tree.

Mind the trunk. Let the leaves dance. Feed the roots.

How your money gets in

No bank logins. No third party holding your credentials.

You bring the statement, TreeO does the rest. Export a CSV from your bank, any bank on earth, and drop it in: your banking passwords are never shared with anyone, because TreeO never asks for them. Suspected duplicates are flagged before anything is written, every transaction is counted exactly once, and the totals reconcile to the cent.

Excel and PDF statements import directly on paid plans. Any currency, no conversion tricks, and your full ledger exports in every tier.

Below the soil

What you keep is what compounds.

Everything above the line is the month. Down here is the part that lasts: what your Roots held, season after season.

A closed period becomes a ring

Reconcile the month, lock it, and it hardens into history that never shifts. Twelve periods, twelve rings: thick in the good months, thin in the tight ones.

Roots depth, year to date

The year view follows one number down: what you kept, across every period, against the fifth you set out to keep.

Two honest readings

Plan adherence asks "did I do what I planned?". Plan health asks "can this plan be lived on?". They routinely disagree, which is why you need both.

Tracking, never advice

Deepest of all, Orchard records what your Roots hold: savings, investments, net worth over time. TreeO tracks it and reports it. It never advises. Coming soon.

The deep views live below the soil line.

Core budgeting is free on your device, forever. Grove adds sync, the year of rings and the full report suite. Orchard adds investment tracking. Your data is yours in every tier.

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