98 Prism is a private, multi-currency record of the money you spend, receive, plan and need to find again later.
It is designed around one principle: a money movement and its financial meaning are not always the same thing. A refund is not salary. A reimbursement is not ordinary income. Money paid for somebody else may not be your personal spending. 98 Prism keeps the movement as you recorded it and derives its meaning from it, instead of storing an interpretation in its place.
Enter a transaction in the currency in which it happened. 98 Prism records the original amount, the currency you entered it in, and whatever conversion rate was available at that moment.
Changing your base currency later applies only to new entries. Entries already recorded keep the currency and the rate they were recorded with, and editing a note, category or date never re-converts them.
Analytics may convert different currencies into a common display currency so that charts and summaries can be compared. 98 Prism uses daily European Central Bank reference rates where they are published, and a built-in fallback rate where they are not. Either way the converted figure is indicative — it is not a bank or card rate and will differ from what you were actually charged.
Money Nature helps explain what a transaction really represents.
Examples include:
This allows cash flow, true spending and other views to remain meaningfully different.
The main entry screen is designed for fast daily capture. Quick-entry mode helps record several purchases in one session, while bulk entry provides a structured way to enter multiple records.
Notes, categories, currencies, dates, members and Collections can be added as part of the same entry flow.
The Calendar provides a visual view of financial activity across the month.
Daily spending is compared with the month's usual spending level and presented in stepped visual tiers. Below about five days of spending in a month there is not enough to compare against, and the Calendar says so instead of guessing.
The Calendar also identifies the highest-spending day, marks the quiet days, and totals what came back through refunds and reimbursements.
Statistics, trends and summaries help answer questions such as:
Collections group related transactions without changing their accounting category.
A Collection might represent:
The same transaction may retain its normal category while also belonging to a larger Collection.
Tracking is an optional and reversible layer inside a Collection.
It supports four relationships:
Each relationship changes how progress, remaining value and status are described.
Progress is calculated from the expenses linked to the Collection, converted into the Collection's currency where needed — so a mixed-currency total is an approximation.
Turning tracking off does not delete the Collection or its transaction history, and its tracking settings can remain available if you turn tracking back on later.
Planned payments are part of a Collection's tracking layer: a schedule of what is expected, and when.
A planned payment may be upcoming, due today or overdue, based on its due date. Passing the due date does not mark it as paid.
It is marked as Paid only when it is linked to a real transaction. Unlinking that transaction clears the mark, and deleting the linked transaction returns the planned payment to unpaid.
Milestones group multiple Collections into a larger life chapter.
For example, a “New Home” Milestone might contain Collections for furniture, deposits, renovation and appliances.
A Collection belongs to one Milestone at a time, and removing a Milestone ungroups its Collections rather than deleting anything.
Milestone totals are derived from the underlying Collections and transactions rather than being maintained as a separate duplicate ledger.
Collections that track a contract or an allocation can record approved amounts and their revision history. Attaching the quotation file itself is not available yet.
When you record a new agreement, the earlier approved value is kept on file as a superseded revision rather than replacing it.
Workspaces allow records to be organised for individual or shared use.
Access depends on workspace membership. The role assigned to each person — owner, admin, member or viewer — controls what they can change and who they can invite, not what they can see. Adding somebody to a shared space should be treated as granting that person access to the information covered by that space, including its receipts and attached documents.
A member can be someone you invite by email, who signs in and sees the workspace; or a name you add for attribution only, so entries can be filed against them — that kind of member has no login and no access.
Teams group members for reporting inside a workspace. A team is a lens, not a permission boundary — being in a team does not widen or narrow what anyone can see.
Personal records are not published publicly, and 98 Prism does not provide a public social feed.
A transaction can retain supporting files such as:
Those describe what a file may contain. 98 Prism stores the file; it does not classify what kind of document it is. There is no way to mark a file as a warranty, a return or an invoice.
Files are labelled by how they arrived — a scan made in the app, or a photo or PDF added to a saved purchase — and by the name you give them. They can be attached as JPG, PNG, HEIC or PDF, up to 25 MB.
98 Prism never publishes a public link to one of your files. A file is opened through a link that expires about a minute after it is created.
Receipt reading is optional. Reading a receipt sends that image to an AI service to be read, and that happens only when you ask for it.
When you ask 98 Prism to read a receipt, it can suggest information such as:
You review the result before it is applied to your transaction. AI-assisted reading can make mistakes and does not independently confirm that a receipt value is correct.
You may also attach a document without asking 98 Prism to read it.
Saved transactions can act as a long-term purchase record, bringing together:
This is intended to help you find the supporting information for an important purchase later. Everything about a purchase stays together on the transaction. There is no search yet — you reach a purchase record by opening the transaction from your list.
98 Prism does not connect to your bank or request banking credentials.
It does not sell personal data, show advertising or use third-party behavioral-advertising trackers.
Your records are private by default and are shared only when you invite someone into a workspace or export a file yourself. Sharing is per workspace: there is no setting that shares part of one.
For how your data is stored and what we do not do with it, read the 98 Prism Privacy Policy.