See what’s actually yours.
Income minus fixed costs and everyday spending. One clear picture of the room you have left—not a bigger spending limit.
Freeze for Future You · Germany
Less buy now.
More you later.
Saving that fits your life, not the other way around. Neo196 is building a clearer way to see your money, set a flexible saving rule and give future you more possibilities.
In development. No deposits accepted. No credit encouraged.
A different kind of power
Your saving power.
Not testimonials. Our founding commitments.
No buy-now-pay-later nudges
Your data is not ad inventory
Explanations, not money lectures
See. Decide. Grow.
A small rule.
A bigger future.
No complicated budget spreadsheet. No pressure to be perfect. Just a little clarity, repeated every month.
Your monthly rule
Illustration€80 / month
TodayFuture you
Concept preview, not a return forecast. Actual projections will show rates and assumptions; interest can change.
Choose a rule that fits.
Get a realistic monthly saving suggestion, with the reason behind it. Accept it, change it, or start smaller. You decide.
Give future you a head start.
See your saving rule projected over 1, 5 and 10 years, including an explicit interest assumption. Change the amount and watch the outlook change.
A hint. Not a judgement.
“Six drugstore visits, around €24 each. That’s €144 this month.”
Spot the pattern. See what it means for your goal. Keep it, change it, or leave it alone—your life is yours.
Money, without the mystery
Clarity comes first.
Our intended model earns from saving, not from pushing you into debt. Banking fees, interest rates and final launch plans are still being developed.
Any plans shown below are platform access options, not banking account terms, deposit products or a promise of interest. Review the checkout terms before purchasing.
Free
For individuals getting started
$0/month
- 1 workspace
- Up to 3 team members
- Basic analytics
- Community support
Good questions
Trust starts with
straight answers.
Freeze for Future You
Make room for
what comes next.
Be there as Neo196 takes shape. Get updates on the product and our path to launch in Germany.