PYL structures your financial situation with a clear methodology. Your preferred LLM assistant becomes your personal financial coach. No jargon. No complexity.
Three envelopes. One goal: financial resilience.
Mortgage, insurance, groceries, school. Non-negotiable obligations. No flexibility — this is the foundation.
Real spending money. Restaurants, travel, entertainment. What's left after Essentials is yours to enjoy.
Dreams taking shape. House, retirement, education. The savings that build your future.
From your profile to personalized coaching with the LLM of your choice.
Income, expenses, dependents, goals. No judgment, no complexity.
Your real spending power, organized by Essentials / Discretionary / Wealth Building.
Paste your file into the LLM of your choice. It becomes your personal financial coach tailored to your preferences.
A next-gen personal finance app: PYL does the financial structuring using a clear methodology. You decide which LLM you want to share your data with.
You decide what to share. Anonymous mode: replace amounts with percentages before copying. Your data never leaves your device.
The management tool is completely free. You only pay for unlimited coaching with the LLM of your choice.
Manage on your own, with discipline.
Unlimited coaching with the LLM of your choice.
The app built for your real financial situation.
Zero jargon. Zero complexity. Just numbers that make sense.
Mortgage, student loans, family. PYL helps you see clearly and build toward Wealth Building.
Home in 2030. Debt-free by 2029. Retirement ready. We turn that into a plan.
No stock tips, no crypto. Just structure better, then build better.
The details that matter.
Your data stays only on your device. Zero transmission to any server.
No internet needed. Manage your finances even without a connection.
Real use cases.
Young professional, stable income
Knows exactly how much to set aside each month for a purchase planned in 2030, without touching the emergency fund.
Mid-career, two income streams
Gradual rebalancing toward retirement savings, target date 2046.
Freelancer, irregular income
Income smoothing + progressive investment plan with an emergency buffer.
PYL structures your financial situation using the Essentials / Discretionary / Wealth Building method and prepares a coaching file. You copy it in one click, paste it into your preferred LLM, and it becomes your personal financial coach: it tells you where you stand, what's achievable, and proposes a plan. You can then re-import each session into PYL to track your progress.
You choose the assistant you trust, on your own account. You keep control of the conversation, and you don't pay PYL extra for coaching.
None. The app runs on a monthly subscription via Google Play and the Apple App Store. No hidden fees, cancel any time. Fully transparent.
Your financial data stays only on your device — nothing is sent to any server. When you share your file with your assistant, you decide what to copy. An anonymous mode can replace amounts with percentages before sending.
Yes, at any time. Your strategy evolves with you and your next calculations are updated accordingly.
5 minutes to profile your life. Your file ready to share with the LLM of your choice. A clear framework to track your decisions every month.