Every night, JourX recalculates your today's budget according to your rule:
(Monthly Budget − Sum of Cumulative Expenses) ÷ Number of Days Remaining.
In the morning, you have a clear number to decide on.
Simple : we start from your monthly budget, we subtract the cumulative sum of all your expenses for the month, then we spread it over the remaining days.
Reagent : if your total spent increases today, the amount for tomorrow automatically adjusts.
Actionable : a single amount, no table to interpret.
Update every night with your total spent to date (monthly cumulative).
Works in Essential (manual entry) as in Connected (banking API).
Stay aligned with your way of managing the month, without complex notions.
Feature 2
✍️ 2. Record your expenses in seconds
Add a purchase throughout the day, by less than 10 seconds. A amount and one category, that's all.
Your sum of cumulative expenses updates for the nightly calculation of the day's budget.
Minimal : form reduced to the essentials — Amount + Category.
Flexible : entry Essential (manual) or power supply Connected (banking API).
Useful : each expense joins the somme cumulée used by the daily budget formula.
JourX sends you the right message at the right time : in the morning to decide, at noon for the
mindset & encouragement, in the evening for the reminder to record your expenses.
Example of JourX notifications: morning budget, midday mindset, reminder to record your expenses in the evening.
Morning - your today's budget at a glance to plan with peace of mind.
Midi — mindset & encouragement : kind reframing, simple little idea (meals, transport, deferred purchase) to stay aligned without depriving yourself.
Evening — reminder to record your expenses : brief summary + action in 10 seconds to keep the sum of cumulative expenses used by the night calculation.
Contextual : messages adapted if you are ahead, balanced or overtaking.
Modular : enable/disable morning, noon or evening according to your preference.
Respectful : neutral tone, no commands — the goal is help, not pressure.
Use JourX in Essential mode (without bank) or connect your accounts to
automatically update the sum of cumulative expenses and refine your daily budget.
Optional : JourX works perfectly without a bank connection
Practical : in connected mode, your operations are uploaded and classified, the nightly calculation adjusts itself.
Essential — Fast entry, maximum confidentiality, no accounts to link.
Connected — Auto import of expenses, categorization, today's budget more precise.
Total control — Choose accounts, pause or log out whenever you want.
Read only — No banking action possible since JourX.
Two modes
🎯 Your goal — a clear figure for today. The connection is only used to speed up the update
🔒 Data — limited access, revocable, used only to calculate your budget.
Example screen: automatic import of transactions to update your daily budget.
Feature 7
🔒 7. Secure data, no tracking
Your money and data are are yours. JourX applies an approach privacy by design :
minimal collection, transparency, and no advertising tracking.
No resale or commercial sharing of your information.
No advertising pixels, no third-party cookies for marketing purposes.
Encryption in transit (HTTPS) and secure server-side storage.
Limited access to the bare minimum to operate the app.
Sober logs and reduced shelf life.
Essential Mode : use JourX without a bank connection, with ease.
Vos contrôles
Data exportRemoval on requestOptional bank connectionFlexible notifications
JourX is designed according to ethical principles and of confidentiality Clear:
Minimal collection, no advertising purposes, full user control.
Privacy by design — we only collect the essential information to calculate your today's budget.
Transparency and clarity — simple and readable rules, no jargon or hidden boxes.
No advertising tracking and no resale of data.
Read only in connected mode: your accounts cannot be operated from JourX.
Responsible AI : kind advice, never used for marketing purposes.
Eco-design : lightweight application to reduce footprint and load faster.
Accessibility : contrasts, font sizes and content designed for everyone.
The meaning behind each tool
Why JourX features
JourX's features are not an "à la carte" list. They are designed to solve a problem:
make the right decision today avec un today's budget clear, without spreadsheets or mental load.
A common thread : each screen feeds the same compass — your daily budget.
Night calculation ➝ in the morning, a simple number to act.
Lightning fast capture ➝ updates the sum of cumulative expenses less than 10 seconds
Useful notifications ➝ midday (mindset), evening (spending reminder), no pressure.
Integrated AI ➝ Short, actionable advice, when you need it.
Optional bank connection ➝ accelerates, but is never obligatory.
Ethics and safety ➝ no resale, no advertising tracking.
Every day counts. With a daily budget With clear and simple actions, you can move
serenely towards greater financial freedom—without spreadsheets or mental strain.
Set your monthly budget and let JourX calculate your daily amount.
Record your expenses in a few seconds to stay on course.
Track your savings weekly and monthly on the dashboard.
All about the today's budget, privacy and use of JourX — in short, clear answers.
How is the daily budget calculated?
In the evening, JourX updates the sum of cumulative expenses, then distributes the remaining budget over the coming days: Today's Budget = (Monthly Budget − Sum of Cumulative Expenses) ÷ Days Remaining.
Do I need to connect my bank accounts?
No. The connection is optional. JourX works very well in Essential mode (manual entry).
In Connected mode, your operations automatically sync for faster tracking.
What does JourX do with my data?
We apply an approach privacy by design : minimum collection, no advertising tracking,
no resale of data. You can request theexport and the deletion of your data at any time.
What notifications will I receive?
Helpful reminders, never intrusive: Morning (daily budget), midi (mindset & encouragement),
evening (reminder to record your expenses). You can do everything configure or disable.
Does embedded AI give financial advice?
JourX's AI acts as a contextual coach To help you make decisions today (e.g., meals, transportation, trade-offs).
It does not replace a financial advisor and does not display any advertising.
How much does JourX cost?
Two simple offers:
• Essential — 5,99 € / month
• Connected — 8,99 € / month
No advertising and no data resale.
What devices will JourX be available on?
On smartphones Android And iOS (Apple).
Can I export my data?
Yes. You keep control: export, deletion on request, and bank connection optional.
How to get started?
1) Fix your monthly budget · 2) Add your expenses in a few seconds ·
3) Activate the notifications useful · 4) Leave it today's budget guide your decisions.
External guide article to complement the JourX approach.
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Transformez vos enveloppes en un vrai cockpit de budget : cartes NFC, tableaux multiples,
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Découvrir JourX Vault→
