Budgeting and personal finance
Stop looking only at what you have.Know what you'll have left.
MaCompta takes into account what you've already planned — rent, instalments, subscriptions, savings — and shows you what you can really still spend until the end of the month. Without any connection to your bank.
Subscription from €5.99 / month, no minimum term. See the plans
- No bank connection
- Your data stays private
- PC, smartphone and tablet
- Demo without signing up
- Rent−€850
- Electricity−€140
- Insurance−€90
- Planned groceries−€400
- Subscriptions−€75
- Planned savings−€300
Your bank shows you what you have today.
MaCompta shows you what you'll have left tomorrow.
See MaCompta in action.
Step into a budget that's already filled in, right away and without creating anything — or let us walk you through it in person.
Try it now
Twelve months of budget already entered, the personal and business spaces, everything can be edited. No account, no email address, no password.
It is wiped after two hours.Free demo
A video call, at your own pace, to answer all your questions.
Book a 15-minute demoVia Google Meet, in the browser. Nothing to install.What MaCompta changes for you
Your banking app tells you what you have. MaCompta tells you what you'll have left.
Know what you can really spend
MaCompta takes into account what you've already planned and shows you what you'll really have left, not what the bank displays.
See the end of the month coming
Your due dates and planned expenses show up before they're debited. No more nasty surprise on the 28th.
Never forget your big expenses again
Insurance, taxes, maintenance, yearly subscriptions: enter them once, MaCompta brings them back at the right time.
Give your money a goal
Put money aside for a specific project and follow its progress, month after month.
Understand where your money goes
Your expenses by category, and your months compared with each other: enough to spot what's slipping before it becomes a habit.
Without ever connecting your bank
No access to your accounts is requested. You choose what you record, and your banking credentials never leave your bank.
What you can do
Everything you need to run your money day to day, in one place — and nothing that requires being an accountant.
Your finances stay yours
You'll be entering figures that are nobody else's business. Here's what that means, and where to check it.
No bank connection
MaCompta doesn't connect to any bank and never asks for your credentials. You decide what you record.
Your space is yours alone
Each household is walled off from the others. A private account stays invisible to the other members — only the household owner, who administers the space, has access to it.
Passwords never stored in plain text
They are hashed (PBKDF2-HMAC-SHA256, 260,000 iterations, unique salt). Two-factor authentication is available on accounts created with an email address.
Hosted in Europe
Application and database with OVH SAS, in France. All traffic goes over HTTPS.
Encrypted backups
A daily backup, encrypted before it's sent: the archive host only ever holds an unreadable file.
Counted, never tracked
No advertising cookies, no third-party analytics. We count our visitors ourselves, without writing or reading anything on your device — which is why no consent banner greets you. And if your browser sends a do-not-track signal, we count nothing at all, right through checkout.
Simple pricing
One complete subscription, monthly, quarterly or yearly — with no difference in features. The longer the period you choose, the lower the equivalent monthly price.
Monthly
€5.99 / month
Billed every month.
- Unlimited accounts, budgets and goals
- Scheduled transactions and due dates
- Statistics and charts
- Works on PC, phone and tablet, nothing to install
Quarterly
€15.99 / quarter
Billed every 3 months.
- Unlimited accounts, budgets and goals
- Scheduled transactions and due dates
- Statistics and charts
- Works on PC, phone and tablet, nothing to install
Yearly
€49.99 / year
Billed once a year.
- Unlimited accounts, budgets and goals
- Scheduled transactions and due dates
- Statistics and charts
- Works on PC, phone and tablet, nothing to install
Small business VAT exemption scheme (Article 56bis of the Belgian VAT Code): no VAT is charged, the amounts shown are final amounts.
Frequently asked questions
Everything you need to know before you start.
No, MaCompta works on a subscription — monthly, quarterly or yearly, with no difference in features between the plans. The amounts are shown in the Pricing section: no VAT is added, what you see is what you pay.
No, and that's deliberate. MaCompta never asks for your banking credentials and doesn't fetch any transactions: nothing fills itself in, you enter your transactions yourself. It takes a few seconds per expense from your phone, and in return no access to your accounts ever changes hands. Expenses that come back (rent, subscriptions, insurance) are scheduled once and recorded again on their own.
Yes. Each user has their own private space, and passwords are hashed. No financial data is stored on your device: everything stays on the server, reachable only from your account. Only your display preferences (theme, hidden tabs) are remembered there.
Yes, as many as you need — current account, savings, card, cash. Each account has its own balance, and budgets and goals are calculated across all of them.
Yes. Scheduled and recurring transactions let you see your cash flow ahead of time: you see what you'll have left after the upcoming debits, not just what you have today.
It's being considered. MaCompta already works on phones and tablets in the browser, with nothing to install — and without any financial data being stored on your devices: a breakdown or a theft doesn't make you lose anything.
No. MaCompta opens in a browser, on a PC, phone or tablet. You can add it to your home screen to find it like an app, but nothing is downloaded.
In both, and elsewhere in the euro area. MaCompta is a budgeting tool: no tax rules are hard-coded into it, you enter your own due dates and your own amounts. The app is designed in Belgium, but nothing in it assumes a particular country. Belgian and French rules differ — VAT schedules, social security contributions, tax regimes — and that is exactly why the tool decides nothing for you: it helps you anticipate the due dates you know about.
No, and that isn't its purpose. MaCompta is for budgeting: tracking your expenses, your budgets and your projected cash flow. The business plan complements your accounting software; it doesn't replace it.
News, now and then
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Contact us
A question, a suggestion? Write to us, we'll get back to you quickly.
How does it work?
Six steps, from signing up to knowing, every day, what you can spend.
Choose your plan
Monthly, quarterly or yearly — the same features, no minimum term.
Create your account
Sign up with the email address you paid with: your subscription is linked to it automatically, there's no code to enter.
Create your accounts
Current account, savings, credit card, cash. You describe them yourself: nothing connects to your bank.
Record your income and expenses
A few seconds per transaction, from your phone, as you pay.
Schedule what comes back
Rent, subscriptions, insurance: entered once in the scheduled expenses, they come back on their own and show up in the Calendar.
Know what you really have left
A due date you know about but haven't paid yet is already taken off what's available: the figure you read accounts for what's coming.