Capital Manager
Your money, sorted by when you’ll need it.
Capman files every account into four buckets by time horizon, reads your statements with AI, and keeps kronor and dollars side by side. It proposes. You decide.
Sign in with Google. Guidance, not regulated advice.
- BufferWithin 3 years
- Preserve3 to 9 years
- Growth10 years or more
- PlayFlexible
Most apps tell you what you have. Capman tells you what it’s for.
The method
Four buckets. One plan.
Money has a job and a date. Group it by when you’ll need it, and a market dip stops landing on next year’s rent.
Buffer
Within 3 years
Money you may need within about 3 years, kept in savings: emergency months of spending plus goals coming soon.
Preserve
3 to 9 years
Money for goals 3 to 9 years away: a balanced mix that moves safer as each date gets closer.
Growth
10 years or more
Money you will not need for 10 years or more: broad, low-cost global equities for compound growth.
Play
Flexible
A small, optional slice for individual stocks or ideas you believe in, kept to a share of Growth.
How it works
Everything in one place, nothing guessed in silence.
Every account, both currencies.
Link a bank through Plaid or Enable Banking, or upload a PDF, CSV or Excel statement from any bank or broker. Kronor and dollars sit side by side.
- Accounts, funds, property and debts in one view
- Sold or paid-off assets keep their history and leave your totals
AI proposes. You confirm.
AI does the reading and the sorting. Nothing counts as fact until a person says so, and anything it is unsure about stays marked as proposed.
- Statements are read by AI; you review everything before it is saved
- Funds are classified from their names and stay proposed until you confirm
- Subscriptions are detected from your transactions; you decide which are real
A plan for the household.
Owners, members, accountants and viewers each get the access that suits them. An advisor answers questions about what you have added, and it can only read.
- Fast-forward scenarios to see where today’s plan lands
- A budget with fixed and everyday spending kept apart
Trust
Built like it holds your money. It doesn’t.
Capman reads and organises. It does not move funds, and it treats everything you give it as data to handle carefully.
No invented numbers.
If a figure isn’t stored, Capman says “Not set” and lets you set it. It never fills a gap with a default dressed up as yours.
Encrypted bank tokens.
Connection tokens are stored encrypted, and signing out clears cached financial data from the browser.
A read-only advisor.
The advisor can look but not change anything, and treats statement text as data, never as instructions.
Roles and an audit trail.
Access follows each person’s role, and connecting or disconnecting a bank, invites and role changes are logged.