- Six jars, your percentages
- Inbox — sorted by rule or by hand
- Fixed costs you see coming
- Debt plan with an end date
- The week check · the month score
MONEY · GROWTH · ENERGY · SOUL
Stop wondering where it went.
Money leaves. You’ll know why. Rumtelo gives every amount a job the second it lands — then widens the picture to your energy, your growth and your why. Ten minutes a week. Information, never shame.
10 mina week — not daily homework6 jarsfilled the second income lands4 portalsmoney · growth · energy · soulFreeto start · no card
THIS MONTH · EVERY AMOUNT HAS A JOB100%
€4,300
Salary €3,450 · Freelance €850
Necessity55%€2,365Financial Freedom10%€430Education10%€430Long Term Savings10%€430Play10%€430Give5%€215
The Coach · this weekEvery amount has a job. Safe to spend today: €64. Sleep was 7h20 — a good week to decide things.
WHY THE PICTURE GOES MISSING
It isn’t that you don’t care. It’s that everything keeps moving.
Most people don’t lose the plot because they don’t care. They lose the picture because income, expenses and priorities keep moving — and tracking every detail costs attention they need to build the life they want.
The numbers keep movingHours, overtime, side income, shared costs, a car, a kid. Many households swing ±25% from their average month. A fixed budget feels fake — so you stop trusting it.
Attention is the scarce thingMoney stress — and ambition under load — capture attention and shrink the bandwidth for planning. So you manage by feel. Not by a full picture.
Tools were built for accountantsSpreadsheets add anxiety without changing the next decision. Detail only sticks when it reduces stress. Most tools do the opposite.
The balance liesCards, cash, BNPL, a partner’s account. “Available” ignores the rent that leaves on Friday. The number you see isn’t the number you have.
Rumtelo is the missing picture. Every amount already has a place — before life decides for you.
Grounded in Mullainathan & Shafir (Scarcity), CFPB consumer research, US Financial Diaries and the JPMorgan Chase Institute.NOT JUST MONEY. WHERE YOUR LIFE GOES.
Money. Growth. Energy. Soul. One overview.
Money is the door. But the picture isn’t only the bank balance. Rumtelo is four portals behind one switch — each answers one question, and a Coach holds them together. You are always inside exactly one.
MoneyGrowthEnergySoul
- Goals with a date and a jar
- Income — the curve and the four levers
- Learn — books, courses, what they changed
- Net worth and your freedom number
- Your 168 hours, divided on purpose
- Sleep — the floor under every decision
- Training and load
- Food and fuel
- Stillness — one minute counts
- Gratitude, written down
- One intention a week
- The seven centres — where energy gets stuck
THE LOOP
Split first. Spend second. Ten minutes a week.
No secrets and no magic. A loop you can hold in your head: income splits, spending gets sorted, one short check a week, one score a month. You do the small part; Rumtelo does the arithmetic and speaks up when something needs a move.
- 01Income lands. Six jars fill.SPLIT FIRSTYou doTell Rumtelo what lands. One number — salary, freelance, anything.Rumtelo doesSplits it across six jars the same second, with your percentages. Fixed costs draw from those jars, so you see them coming.€4,300 → 55% Necessity · 10% Freedom · 10% Savings · 10% Education · 10% Play · 5% GiveMoney with a job doesn’t need defending all month. If must-pays need more than 55%, that is the thing to fix — not your discipline.
- 02Spending lands in the Inbox.SORTED, NOT JUDGEDYou doAdd it yourself, or drop in a bank statement. Live bank sync comes later — read-only, and only when you connect it.Rumtelo doesSorts every amount into its jar — by rule or by hand. Re-import a statement and nothing doubles.Groceries −€38.65 → Necessity · Coffee −€5.20 → Play · rule: “supermarket → Necessity”A jar over its line is a signal, not a verdict. It shows up as information — with the one move that fixes it.
- 03Ten minutes. Once a week.THE WEEK CHECKYou doSit down with the Coach. Redirect what is left. Set one intention.Rumtelo doesShows what moved, what is safe to spend, and what to change. Then gets out of the way.(€583 + €224 left) ÷ 8 days = €64 safe today · surplus €140 → Long Term SavingsTen minutes a week beats daily worry. The practice is short and repeating — not constant vigilance.
- 04The month closes with a score.THE MONTH SCOREYou doClose the turn. Read the log.Rumtelo doesScores the month — jars held, debt paid, intention kept — and writes it down. Next month starts clean.Month score 82 · 5 of 6 jars held · debt −€310 · debt-free: Feb 2035You can’t steer what you never look back at. One number, one log, no shame.
- 05Then the picture widens.ENERGY · GROWTH · SOULYou doLog a night of sleep. Name a goal. Finish a book. One minute of stillness.Rumtelo doesFeeds it all to the Coach — so “a tired head spends” becomes something you can see, not just feel.Sleep 7h20 ↑ · goal “Emergency fund” 64% · 1 book · stillness day 6Energy carries money. A rested head steers. Without a why, steering is just bookkeeping.
THE COACH
You’re the aspirant. The Coach is the mentor.
Every screen opens with the Coach: one sentence on where you stand, one move to make. Not a wall of charts. Not a lecture. Suggestions from money, growth, energy and soul — one tip at a time, and it never speaks to shame you.
- One verdict, one action — every tip ships a next move
- Quiet until there is enough data — six noisy points are not insight
- Information, never shame — an over-the-line jar is a signal, not a verdict
- Ten minutes a week with the Coach — not daily homework
The Coach · across every portalweek 37
- Money· THIS WEEKPlay is €38 over its line. Move it from Long Term Savings once — or let it ride and keep next week’s dinner in.Open jars ›
- Growth· THE LEVERCutting costs has a floor. Raising income does not. Your side income is 20% of the way to the goal you set.Open income ›
- Energy· YOUR FLOORThree nights under 6h30 — and Play spending rose on the same days. Sleep first. Then decide.Open sleep ›
- Soul· START SMALLThis week’s intention is still empty. One line is enough: what would make this a good week?Set intention ›
one verdict · one move · never shame
FOUR PRINCIPLES WE DON’T BREAK
Code is English · copy is Dutch firstIf a feature fights a principle, the feature loses.
- 01Eerst verdelen, dan uitgeven.Split first. Spend second.Money gets a job before it gets spent.
- 02Tien minuten per week.Ten minutes a week.A short, repeating practice beats daily worry.
- 03Energie draagt geld.Energy carries money.A tired head spends. A rested head decides.
- 04Informatie, nooit schaamte.Information, never shame.An over-the-line jar is a signal, not a verdict. Every warning carries the one move that fixes it.
THE SIX JARS
Six jobs, so no amount has to decide for itself.
Every jar has a rule you can read in one line — what belongs, what doesn’t. The percentages are yours to change. The habit is the point.
Necessity 55%Financial Freedom 10%Education 10%Long Term Savings 10%Play 10%Give 5%
Necessity55%Rent, energy, insurance, groceries, transport. The things that arrive whether you like it or not.Not for eating out or clothes — that is Play.
Financial Freedom10%Index funds, a property deposit, your own company. This jar buys things that pay you back.Never spent. Only invested.
Education10%Books, courses, a mentor, a tool that makes you better. The one jar where spending raises what you’re worth.Not for gadgets you call research.
Long Term Savings10%Emergency fund first, then the car, the deposit, the tax bill you know is coming.Not for anything you want this month.
Play10%Dinner out, a concert, something spontaneous. Spend it without asking permission.Must be empty by month end. That is the point.
Give5%A cause, a friend who needs it, your own foundation one day. Generosity as a habit, not a mood.Not a tip you already left.
WHY RUMTELO EXISTS
Rijkdom is geen getal. Het zijn de teugels in jouw handen.
Wealth isn’t a number. It’s the reins in your hands.
We built Rumtelo for ourselves first. We earned fine and still didn’t know where it went — or what it cost in sleep, focus and direction. Budget apps counted. Nobody coached. So we made the thing we needed: one calm overview and a mentor for the whole picture. Then we noticed we weren’t the only ones.
Given Loyiso, founder & CEO · Charissa Peroti, co-founder · Amsterdam
Don’t chase the number. Own the direction.Built for people who are doing well — and for people who are ready to.
Where it goes next
- Live bank syncPSD2, read-only, EU-licensed. Only after you connect it yourself.
- Dutch first, English secondBuilt for NL and EU life. Amounts and dates follow your locale.
- Devices that track for youWatch, scale, ring — so sleep, training and energy arrive without typing.
The system is the aspirant’s. The Coach is the mentor. Rumtelo’s job is to guide — and to get out of the way.
PRICING
Free where it counts. Paid where it saves you work.
Start on Basic and stay as long as you like. Nothing you enter is ever locked away.
BasicStart here
€0no card needed
The whole practice, solo. Six jars, the Coach, one goal, your sleep, one minute of stillness. Enough to start — and never a reason to stop.
- MONEY · six jars, transactions, fixed costs
- GROWTH · income and 1 goal
- ENERGY · sleep
- SOUL · stillness, gratitude, one intention a week
- The Coach, the week check, the month score
- Solo household
PlusMost chosen
€9/monthcancel any month
For the part that should run without you — and for the people you share it with.
- Everything in Basic
- MONEY · debt plan with interest and a freedom date
- MONEY · bank statement import — live sync coming
- ENERGY · your 168 hours, training, food
- Invite up to 5 — partner, family, friends
- Up to 5 goals
MaxThe whole picture
€19/monthcancel any month
Where money starts making money — and learning starts paying back.
- Everything in Plus
- GROWTH · net worth, returns and your freedom number
- GROWTH · Learn — books, courses, what they changed
- SOUL · the seven centres
- Unlimited goals and members
- Devices — watch, scale, ring (coming)
Prices in euro, VAT included. Basic may stay free or become a small fee later — nothing you enter is ever locked away.
QUESTIONS
Straight answers.
The things people ask before they start — answered the way we would answer a friend.
Is Rumtelo a budgeting app?
No. Budgeting apps count what happened. Rumtelo gives money a job before it is spent, then coaches the rest — energy, growth, why. Bookkeeping is a side effect, not the point.
Do I need to connect my bank?
No. Basic works with what you enter. Plus adds bank-statement import — re-import a statement and nothing doubles. Live bank sync (PSD2, read-only, EU-licensed) is on the roadmap, and only ever after you connect it yourself.
Why are sleep, training and books in a money product?
Because a tired head spends and a rested head decides. Energy is the floor under every financial decision. Learning is the one spend that raises what you earn. Leave them out and an app becomes a spreadsheet.
What does the Coach actually do?
One sentence on where you stand and one move to make — drawn from all four portals. It stays quiet until there is enough data, and it never speaks to shame you. You are the aspirant; the Coach is the mentor.
Can I use it with a partner or my family?
Yes — on Plus (up to 5 people) and Max (unlimited). A household shares the jars. Spending style stays personal, because partners differ.
Where is my data?
On EU servers in Amsterdam, encrypted at rest. Export or delete it any time. Cancel a paid plan and every jar, transaction and goal stays readable.
Dutch or English?
Both. Dutch first, English second. Rumtelo is built for NL and EU life — amounts and dates follow your locale.
CREATE YOUR ACCOUNT
Split first. Spend second.
Built for people who are doing well — and for people who are ready to. Tell us what lands each month; Rumtelo assigns it from there.
Basic is free and needs no card. It can stay that way.No bank required. Import a statement when you want to — read-only, always, and only after you choose to.Cancel a paid plan and everything you entered stays readable.