A spending journal for iPhone

Personal Finance for the Broken Economy

Every app, store and subscription is tuned to take a little more. Obverse shows you where your money actually went, asks whether each purchase was worth it, and keeps the answers so you can spend on purpose.

Get startedComing to iPhone. Connects to your bank through Plaid.

Today · Mon, Nov 9$66.66

Sam's Coffee8.22Every weekday · $128 this monthworth it

Whole Foods49.98Weekly · 2nd trip this weekfine

DoorDash8.463rd order since Fridayrate

The obverse is the heads side of a coin. It’s the side with a face on it.

Banks show you a ledger. Budgeting apps show you categories that went over. Obverse shows you the person behind each purchase and asks one question: was it worth it? It never colors a purchase good or bad. You decide, and over time your answers become a record of what you actually value.

What Obverse does for you

See it. Judge it. Live by it.

Three stages, in order. Each one depends on the one before it.

Stage 1

Simple awareness

The first challenge with personal finance is knowing what is happening. You need that awareness to make good decisions in an economy built to extract as much money from you as possible.

View recent transactions every day
Track recurring subscriptions and bills
See exactly how much you spent per day, week, month and year

Spending · example

Today

$66.66

$14 less than last Mon

This week

$412.08

+$38 vs last week

November

$1,287.40

9 days in

2026

$31,904

$3,190 a month

Recurring

Spotify

Monthly · renews Nov 14

11.99

Equinox

Monthly · 2 visits in October

260.00

Verizon

Monthly · up $6 since July

91.40

Stage 2

Decide what’s worth it

We buy things because we expect something in return. Traditional personal finance has no way to tell you whether those choices paid off for you over time. Obverse lets you check that your spending matches your intentions. Seeing what wasn’t worth it shows you where to do better.

Rate each purchase Worth it, Fine, or Not worth it
See which merchants are consistently worth your money
Learn where to shift your spending to match your intentions

Equinox · $260.00 · Nov 1

Two visits in October. I'm paying for the version of me who goes four times a week.

Your note, Nov 1

Last 90 days · example

Sam's Coffee38 of 45

Whole Foods13 of 21

Amazon11 of 37

DoorDash3 of 19

Worth itFineNot worth it

Stage 3

Live your intentions

Once you clearly understand your own intentions and behavior, you can spend on the things that will be worth it to you. Your choices encode a personal set of values, and those values let you live on purpose in an economy designed to take everything it can.