Your money, without the noise.
Loam is a calm wealth and expenses tracker. Your total wealth, your runway and where you are heading. Nothing else.
Built to reduce anxiety, not to feed it.
A loss is a small terracotta figure, not a red screen. Green is reserved for growth.
Loam never notifies you. Prices update when you open it, and it says when: “Updated 2h ago”.
One projection line, drawn forward. No intraday candles, no watchlists, no feed.
See where you are heading.
Pick 5, 10 or 20 years. Loam projects your total wealth from what you hold and long-term historical averages, nominal or in today’s buying power.
Expenses record themselves.
Bank SMS notifications are read on your phone and turned into expenses in the ledger. Nothing to type, no bank login to hand over.
Know how long you could stop.
Runway counts the months of expenses you could cover by selling the assets you choose. Cash only, or everything.
Real numbers, not nominal ones.
Turn on CPI, and monetary debasement if you want it. Every projection can be read in today’s buying power.
One number, when that is all you need.
Quiet mode hides the summary. Total wealth and runway stay. Everything else waits until you ask.
Your data never leaves your phone.
Everything Loam knows is stored on your device. Nothing is sent to Loam or to any third party. Bank messages are read locally, and there is no account to create.
Your money, without the noise.
Free for 30 days, then $30 a year or $3 a month. iOS and Android.