The app · Home

The one thing worth doing next.

Most money apps greet you with a wall of numbers and leave the ranking to you. Home shows where you stand against your plan, then names a single next step underneath it. Some days there is no step, and it says so.

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Where you stand

Your net worth, read against the plan you built.

One figure and two signals: how you moved this month, and whether you're ahead of, on or behind plan today. Not the full-year number, the point the plan expects right now.

One number, and the month's moveCash, CPF, investments and property, on the same lens you set on Tracking. Home says which parts it left out rather than quietly excluding them.

Vs plan, with the working shownTap the verdict and it explains itself: the plan version it compared against, what it expected by today, and how far off you are.

A tolerance band, not a hair triggerAnything inside 10% of the plan reads as on track. Real months are noisy, and a plan that panicked at every wobble would be useless.

Home · Aug 2026

Net worth

S$154,490

S$18,091 this monthOn track vs planFreedom at 57

Why on track?

Logged assets S$154,490 against S$151,900 expected by now, interpolated between last year end and this year end. Inside the band.

±10% is expected noise.

ActualPlan±10% band

Next best actionComplete August check-inAbout 2 min: import a statement, review a few exceptions, and log this month's numbers.Continue

Illustrative figures from the app's demo household.

One card, not a queue

Home ranks the work, so you don't have to.

Everything Perfingo could nag you about goes through one ranked list, and only the winner shows. The list below is that order.

Your plan is not finished yet
Make the projection yours
The setup checklist opens in the card slot, above the hero rather than below it, until the five essentials are in.
One card
It's been more than 45 days
Welcome back
A long gap since your last snapshot gets one line and one button, not a lecture about consistency.
One card
Something has drifted for three months
Net worth has drifted from the plan
A drift signal takes the slot, with the replan it is asking for attached, plus a way to snooze it for three months or stop it for good.
One card
The month is still open
Complete the check-in
About two minutes: import a statement, review a few exceptions, log this month's numbers.
One card
Nothing needs you
You're up to date. Nothing needed.
No card. The slot is empty, and Home is just your numbers. This is the state the whole design is aiming at.
No card

The empty state is the point. Three of the outcomes draw nothing at all. An app that always has a task for you is an app that has started inventing them, so on a quiet month Home is just your numbers and a line saying you are up to date.

Getting started

Make the projection yours3 of 8

Start with these. They shape the whole projection.

About you
Financial freedom
Income
ExpensesWhat you spend in a normal month.
Goals & milestonesThe things you are actually saving for.

3 more when you're ready

These need documents to hand: statements, policy numbers.

Illustrative. Row order adapts to your age and plan.

Before the numbers mean anything

A checklist that knows what actually matters.

Until the plan can be projected, the setup checklist takes the card slot above the hero. Five essentials shape the projection. Everything else folds away until you ask for it.

Five essentials, then the restAbout you, financial freedom, income, expenses, goals. The remainder sits behind a "when you're ready" fold, because most of it needs documents in your hand.

Skippable, and collapsibleNon-essential rows carry a Skip. The whole card collapses to a one-line strip if you would rather get on with it.

Things to fix, above every screenSeparately from Home, a wide screen carries a "Things to fix" strip across the top of the app: rejected inputs in red, gaps in your plan in amber. On a phone the same signal becomes a badge on the Plan tab.

Drift

A plan goes stale quietly. Home notices before you do.

Drift isn't a bad month. It's three straight months outside the plan's band, when the projection has stopped matching your life and needs re-anchoring.

Net worth

Net worth has drifted from the plan

Three months outside the ±10% band. The nudge offers a replan, which re-anchors the projection to where you actually are.

Spending

Spending has settled above plan

Not one big month. A band you budgeted for that has run above target long enough to count, with the two figures side by side and a jump straight to the Expenses module.

Goal funding

A goal is drifting behind pace

What staying on track needs each month against what you have actually averaged, and a link into goal funding on Tracking.

Months without data are skipped, not counted against you. The three-month gate looks at months you actually logged, so a break does not reset your history or manufacture a nudge. Any nudge can be snoozed for three months or turned off for good, from the card itself.

Two shapes, one Home

Use Perfingo across your devices.

Perfingo is responsive web, so Home is the same data laid out twice. Worth knowing which you will get.

On a wide screen

The full hero: net worth, the month's move, the vs-plan verdict you can tap open, and a trend chart you can scrub across. Below it, the next-best-action card, this month's cashflow in three figures, and a plan summary with your freedom age and next goal.

On a phone

A tighter pulse card: the same figure and the same vs-plan verdict, with the trend reduced to a band-and-line glance rather than a chart. Then a Monthly Loop card with three stations, a glance card for each of the other four tabs, and a capture pill in the thumb zone for logging a trade, a balance or a spend without leaving the screen.

Responsive web, on the browser you already have. There is no separate app to install.

Keep going

Open the app and see one thing to do.

Or nothing at all, on the months you have earned it.

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