Built for ourselves
Doma
Household finances in one place: bills, meters, loans and running costs. We built it for our own use, and it is open every month when the bills arrive.
A private tool, so there is no public address to visit.
- 1 photo
- Of a payment slip, and the bill fills itself in
- 20%
- Above the usual, and a bill is flagged before it is paid
- 12 + 3
- Months of utility costs charted, and the next three forecast
- 1 email
- Each morning, only when something is actually due
The problem
A household runs on a dozen small obligations that arrive on different days through different channels: utility bills by post and by email, meter readings, a loan, subscriptions nobody remembers signing up for, the car's registration once a year.
None of it is difficult. It is just scattered, and the cost of scattered is real: a bill paid late, a heating bill nobody noticed was twice the usual, a subscription that ran for a year after anyone last used it.
We wanted one place that knows all of it, asks for as little typing as possible, and speaks up only when something needs doing.
What we built
Let the paperwork enter itself
A photo of a payment slip fills in the amount, the account and the reference. A bill forwarded by email is read and filed for a quick check. A photo of a meter is read for its number. Typing is the fallback, not the method.
Compare every bill with what is normal
Each bill is checked against the average of the ones before it, and heating against the same month a year earlier, so a bill twenty percent above the usual is flagged before it is paid rather than noticed afterwards.
Keep the long things honest
Loans are tracked payment by payment, with early repayments, the remaining balance and a repayment plan that can be checked against the bank's own statement. Running costs are converted to a monthly figure, so a yearly subscription cannot hide.
Say something only when it matters
One email and one notification in the morning, and only when something is due: a bill, a loan payment, a meter reading, the car's service. Bills and due dates also arrive in an ordinary calendar, and the whole thing opens with a passkey.
What it does today
- Bills and due dates
- Payment slip scanning
- Bills read from email
- Meter readings from a photo
- Loan tracking
- Running costs
- Unusual bill alerts
- Utility forecast
- Bank statement import
- Monthly budget
- Questions in plain language
- Car and home maintenance
- Morning reminders
- Calendar feed
- Passkey sign-in
- Works offline
More of our work
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