matlot is your household's shipmate: one module per topic — budget, wealth, meals… — and everything you steer, in one place.
On the ships of old, sailors shared their hammocks: while one slept, the other stood watch. That bunkmate — the mattenoot, in old Dutch — gave French its word « matelot », the sailor. And in the navy, « mon matelot » still means your closest shipmate: the one you can count on, no matter what.
Your household needs a shipmate, not a judge.
matlot is that shipmate. It never lectures: it holds the helm with you, topic by topic. Each one is prepared like a crossing, and the course is kept together.
The reality
And we all ended up sailing blind.
"The budget spreadsheet"
Opened with the best intentions in January. Nobody has touched it since February.
"What's for dinner this week?"
The shopping list in a notes app, meal ideas in another, the inventory nowhere.
"My wealth? It's a bit everywhere"
The bank in one app, the broker in another, crypto in a third — and the spreadsheet meant to gather it all, updated twice a year.
"The abandoned budget app"
Installed, loved for two weeks — then, after keying in every single receipt, uninstalled.
"Oh right, the insurance is due this month…"
The big annual bills you see coming but never set aside for — and the month's budget blows up.
"Wasn't you paying for that?"
With several people, nobody knows who pays what or who owes whom — and the maths is done from memory.
"The credit card that gets you to payday"
You spend October's money in September. The next month starts with a debt nobody planned — and so does the one after.
The problem was never you. It's the tool. matlot replaces all of it — smooth, simple, and above all built so you're still using it in March.
And whatever your starting point — budget, wealth or meals — there's a module for you.
The promise
Finance
"Who pays for what?"
"What's left at the end of the month?"
"Can we afford this activity? This loan?"
"Everything went up: by how much this year?"
Investments
"What do I actually own?"
"What does this property really cost me?"
"With inflation, where will I be in 20 years?"
Provisions
"What's for dinner this week?"
"What do we need to buy?"
"What were those dishes the kids love, again?"
…and every module that comes aboard will bring its own answers.
What changed isn't my discipline, it's my visibility. The annual bills are set aside month by month, the envelopes hold, the savings keep moving — and I know months ahead what I can afford. I haven't touched my credit card since.
— Gregory, founder of matlot
The modules
Each module activates separately — the household takes aboard what it needs, and the fleet keeps growing.
Fixed costs as they are, variable spending and projects as envelopes — nothing to log day to day.
The long-term course, beyond the current month.
From the cupboard to the plate — and everything the house consumes.
Create your sessions and log progress, session after session.
Flights, hotels, restaurants, sights, packing — the whole trip in one place, day by day.
Quick tour
One tour per module — swipe through the screens.
From income to transfers, no calculator — the full tour in 13 screens.
The wealth overview you update in two minutes.
All your wealth, finally centralised — real estate, stocks, crypto, pension savings… by asset class and by member, in household or personal view.
Numbers that stay fresh: dated valuations, and notification reminders adjustable class by class — no more forgotten spreadsheet.
Real costs, no illusions: fees, insurance and taxes per asset, with country presets (reference returns, inflation, pension savings tax benefit).
Project the course: cautious, median and optimistic scenarios, target vs. actual allocation, and your financial independence goals on the horizon you choose.
From "what's for dinner?" to the shopping list, in three moves.
Build your dish catalogue — favourites, kid-approved dishes — and keep the inventory — food and household products alike (cleaning, hygiene…): in stock, to rebuy, on promo, shelf by shelf.
Compose the week's menu — a list of ideas from the catalogue, free of any day-by-day straitjacket, with each dish's stock status: all there, or shopping needed.
The shopping list builds itself from the menus and the inventory — tick items off in the store, the inventory updates behind you.
Everything speaks your language: units, categories and storage spots are customisable — your cupboards, your habits.
The crew
Couple, family, flatshare, single or solo parent: the household is yours — matlot adapts to its shape.
With several people, expenses and savings split pro-rata or custom, item by item.
A tough month for one? A member with surplus covers part of the shortfall — for that month, with nothing to renegotiate.
Children are tracked as beneficiaries, no account needed: you know what each one costs — precious when you're managing alone.
A crew can be one: same modules, same course. And if someone comes aboard one day, everything is already set.
Who steers, who views: each member sees what concerns them, the household keeps the overview.
Français, Nederlands, English — everyone sails in their own language, on the same ship.
No app store
matlot is a PWA ("progressive web app"): no store, no download — and that's an advantage.
No store account, no 200 MB update: you add matlot to your home screen from the browser, and it behaves like any app — icon, full screen, notifications. The how-to is in the FAQ.
When a new version lands, a small banner appears in the app. One tap, done — you'll never go through a store again.
Everything is saved online, continuously. Change phones, sign back in: your household is there, intact.
iPhone, Android, tablet, computer — one app, the same experience, no lagging double maintenance.
How it works
Invite your crew — or sail solo. Five minutes, once.
Finance, Investments, Provisions… each activates separately: the household takes what it needs.
Each module guides you: the month gets prepared, wealth stays current, menus come together — all in one place.
Trust
Each household is walled off at the database level. Nobody else gets in — not even another household.
No tracking cookies, no data resale. The app exists to serve you, not to profile you.
matlot never touches your accounts: you keep control, the app does the maths. No banking credentials ever pass through.
FAQ
During the beta, yes — every module activates freely. Eventually each household will only activate (and pay for) the modules it actually uses: no catch-all subscription.
No — only fixed costs, once: rent, subscriptions, insurance… go in as recurring charges. The variable part (groceries, pharmacy, fuel…) is handled with monthly envelopes, and projects (holidays, gifts, renovations…) with savings budgets. You set the amounts, you live within them — without logging a single receipt.
matlot calculates each month what to put aside — the share of the annual insurance, the holiday budget, the gifts… But that money will only be spent later: it has to wait somewhere, without melting into the current account. The most effective way: sub-accounts at your bank, one per budget. Revolut's "Pockets" do this very well, for free: a pocket for "Car insurance", one for "Holidays", one for "Gifts"… You deposit the contribution matlot calculated, and the day the bill lands, the money is already there. Most banks offer an equivalent (sub-accounts, money jars, multiple savings accounts). No partnership with Revolut — it's simply a tool that does this job well.
No — you will pay the increase like everyone else. But you won't take it in one go. An insurance policy going from €800 to €880 is €80 more on the day it is charged; set aside monthly, it is €6.67 more per month. And matlot tells you as soon as you change the amount, months before the due date. The increase doesn't go away — it stops being a nasty surprise.
No, and it's deliberate: matlot doesn't connect to your bank. You enter your amounts, the app calculates the transfers — you make them from your banking app, staying in control end to end. No banking credentials ever pass through matlot.
No — and that's deliberate. matlot won't give you the steps or photos of a dish: your favourite books and sites do that very well. Each dish in the catalogue can, however, carry a link to its recipe and an explanatory note, so everything is at hand when cooking. But the heart of Provisions is elsewhere: deciding what to eat, knowing what's in stock, and generating the shopping list.
An app installed from the browser rather than from a store: you add it to your home screen yourself (the how-to is right below). Then it lives like a normal app — icon, full screen, notifications — and updates with one tap via the built-in banner.
iPhone — Safari → Share button → "Add to Home Screen".
Android — Chrome → ⋮ menu → "Install app".
Computer — the install icon in the address bar.
Yes — and on tablet and computer too. It's the same app everywhere, with the same experience; only the install differs slightly per browser.
Of course: a crew can be one — single or solo parent. Children are tracked as beneficiaries (no account needed), and if someone comes aboard one day, everything is already set for sharing.
Your data belongs to your household, walled off in the database. You can delete your household at any time — deletion takes all its data with it. No ad tracking, no resale, ever.
The app installs in ten seconds, the first month takes ten minutes to set up.
Take the helm