Know what came in, where it went, and what’s left.
Molte is a zero-based budgeter built for Norwegian banking — BankID bank sync, honest numbers in NOK, and an AI copilot that explains your month instead of guessing at it.
June, so far
- Money in
- 89 433 kr
- Money out
- −41 280 kr
- Left over
- 48 153 kr
Spending is down 12% on your 3-month average — at this pace ≈ 38 900 kr by month-end.
Built like a statement, not a slot machine.
Deterministic money math, exact integer øre, and an interface that tells you the verdict first.
Bank sync with BankID
Connect your bank read-only through Enable Banking. Transactions land as a preview you confirm — nothing is ever written to your ledger behind your back.
Zero-based budgeting
Give every krone a job before the month spends it for you. Category balances roll over as sinking funds, so December’s insurance is saved in March.
An honest AI copilot
Ask anything about your money. The copilot reads your real ledger and budget — it never invents a number and has no tool to move your money.
Net worth, loans, home
Mortgages split into interest (cost) and principal (equity you keep). Your home’s value updates from live Norwegian housing estimates.
Recurring radar
Salaries and subscriptions are detected from the ledger itself, so the forecast follows reality — and tells you when the two drift apart.
Yours alone
Your data is isolated per user and enforced in the database itself, not just in the app. Bank access is read-only and revocable any time.
How it works
Connect or import
Link your bank with BankID, or import a CSV statement. The first pull covers your recent history.
Review & categorize
Every import is a preview first. Confirm rows, accept AI category suggestions, teach it your merchants.
Budget what’s real
Assign actual money to categories, watch the month’s pace, and let rollover do the long-term saving.