You know you should get on top of your money.

Find the money you already have.

Sprowt shows you where your money goes, finds what you can spare, and teaches you the basics of investing it. You decide every move.

Read-only bank access·A teacher, not an advisor·You’re the customer, not the product
The app

Your whole money life, in one calm place.

See where your money goes, spot what you can spare, and set steady plans toward real goals, on your own or as a couple sharing one financial life.

Tuesday · 1 July
Hej, Elsa
Surplus this month
1 200 kr
After your usual spending
EssentialsLifestyleSpare
Unused subscriptions2 found
Streamly89 kr
Fitpass151 kr
Cancel both · save 240 kr
First 10 000 kr
6 200 kr62%
A calm home for your money
Your spending
July
18 400
kr spent
Home7 400 kr
Groceries4 800 kr
Transport3 700 kr
Eating out2 500 kr
Last 6 months↓ trending down
FebMarAprMayJunJul
Know where it all goes
Your goals
Trip to Japan
Target 2027
4 500 / 25 000 kr18%
Emergency buffer
Low risk
18 000 / 30 000 kr60%
Goals worth investing for
Smart rules
Invested this month
1 540 kr
The Autopilot
Monthly
+820 kr
Round-up
Per purchase
+310 kr
Payday rule
On payday
+150 kr
Rules that invest for you
Join the waitlist
Sits on top of the rails you already trust
Open-banking connect+Your broker or robo+Bank-grade sign-in
The gap

The hard part isn’t picking investments. It’s starting at all.

“Where does it all go?”

Money comes and goes on its own, so it’s hard to see what’s spare. Sprowt keeps track and points out easy savings.

“I don’t know how.”

The jargon, the apps, the fear of getting it wrong. So the first step keeps getting put off.

“I’ll do it later.”

Later never quite arrives. The first plan goes unset, year after year. Time is the one thing that helps most.

The on-ramp

Five steps, one steady loop.

It starts with control, because nothing else works until you can see where you stand. You stay in charge at every step.

Fresh soil in a scoop, ready for planting
01 · Control

Get in control

Connect your bank, read-only. See your whole money life in one place, with your spending sorted for you, on your own or as a couple.

Aerial view of a forest meeting still, clear water
02 · Find

Find your surplus

We read your spending and surface a realistic amount you could set aside. Often it is more than you would expect.

Sunlight breaking through a large, established tree
03 · Learn

Build the confidence

Learn the basics in plain language. Every number comes with an explanation, so you learn to read the market. You are never told what to buy.

A calm path leading through a green forest
04 · Start

Take the first step

When you are ready, set up a steady recurring plan in a few taps, on low-cost partner rails you choose. Value can rise or fall, so you decide.

A wide valley river at first light
05 · Keep

Keep the habit

Small monthly check-ins keep you steady. Time does the quiet work, and staying consistent is the whole point.

What we are, and aren’t

A teacher,
not an advisor.

We help you make your own decisions. We never issue personalised “buy this” recommendations, and we don’t manage your money for you. That keeps you independent, which is the whole point.

A teacher, not an advisor
You learn to read the market and decide for yourself. We never tell you what to buy, and we don’t manage a portfolio for you.
An on-ramp, not a destination
We’re not your bank, broker or robo. We hand you to the low-cost rails that already exist, and you choose.
You’re the customer, not the product
We don’t sell your data or your order flow. A simple subscription is the business, fully transparent.
Transparent by design

See why, never just what.

Every number Sprowt shows you comes with a plain-language explanation. No black box, no hot tips, just clearly explained indicators that build real understanding.

  • Indicators explained in everyday words
  • Set your own priorities, risk and time horizon
  • Digestible analysis, not pro charting tools
Global index fund
Low cost
A calm line chart over a long horizon
What this means

A fund spreads your money across hundreds of companies, so no single one can sink you. Lower fees mean more of any return stays yours. Its value can still fall as well as rise.

Fee
0.20%
Risk
Medium
Horizon
5y+
On autopilot

Set it once. Keep it steady.

Simple rules move the money in the background, toward goals that actually mean something. You decide; Sprowt does the moving.

Every month

The Autopilot

A fixed amount invested every month, automatically. Set it once and forget it.

Added this month
+820 kr
Every purchase

Round-up

Round every card purchase up to the nearest krona and invest the spare change.

Added this month
+310 kr
Monthly

Surplus sweep

Whenever we spot new room in your budget, we sweep it straight into your plan.

Added this month
+260 kr
On payday

Payday rule

Invest the moment your salary lands, before the money has a chance to disappear.

Added this month
+150 kr
Goal-based investing

We invest more when the goal feels real.

Name your goal, set an amount and a date, Sprowt’s rules quietly move the money toward it, every month.

First 10 000 kr62%
Emergency buffer60%
Trip to Japan18%
Pricing

One month free. Then one clear price.

Start with a free month. After that, a simple subscription, no hidden fees. Cancel anytime, and keep what you’ve learned.

Free trial
1 month
See your surplus before you pay a thing.
  • ✓ Connect your bank, read-only
  • ✓ Your surplus, found for you
  • ✓ Start learning the basics
Join the waitlist
The core plan
Sprowt
€4.99 / mo
Get in control and take your first step.
  • ✓ Everything in the free trial
  • ✓ Your surplus, found each month
  • ✓ A guided path to your first plan
  • ✓ Plain-language lessons and indicators
Join the waitlist
Sprowt Plus
€8.99 / mo
Go deeper, and learn from people you trust.
  • ✓ Everything in Sprowt
  • ✓ Richer guidance and market context
  • ✓ Lessons from trusted creators
  • ✓ Priority support
Join the waitlist
Learn from people you trust

Built with the creators
beginners already follow.

Sprowt works with trusted finance creators to teach the basics credibly, so your first lesson comes from a voice that already feels like a friend, not a bank.

@spara.smart
“Index funds, explained over coffee. No jargon, just the basics.”
Index funds
@nybörjarekonomi
“Your first €100, step by step. Starting is the hardest part.”
Getting started
@calmmoney
“No hype, no pressure. Just small money habits that add up.”
Money habits
Sunlight through a calm forest

Be the first to find your surplus.

We’re building Sprowt now. Leave your email and we’ll let you know when it’s ready to try. That’s the only reason we’ll write.

One email when we launch. No spam, and you can leave the list anytime. Your bank access, when you start, is read-only.