Where does the money actually go? Household budget, assets and pension gap — local, and connected to your business books.
There is one wallet, one time budget and one economic existence. Software usually pretends business and private life are two separate companies.
German law applies. This page explains the German rules in English so you can judge whether PilotOS fits. The legally binding version of every page, price and term is the German one.
What it covers
- Budget envelopes with a traffic-light indicator — you see a category turning amber before it turns red.
- Subscription detection — recurring amounts are recognised, so the forgotten streaming contract becomes visible.
- Net worth across accounts, property, loans and investments.
- Pension gap and savings goals, calculated instead of estimated.
- Contracts and insurance with deadlines, so a cancellation period does not pass unnoticed.
The part no household budget app can do
In PilotOS the private side sits on the same database as the business books. A withdrawal from the business account is one entry that touches three things: the profit, the tax reserve and your private liquidity. A household app sees the same movement as an unrelated bank line.
Books stay separate — withdrawal and contribution accounts keep the two spheres apart, as German bookkeeping requires. What gets joined is the statement, not the ledger.
Private is included in Business Ultra
The private area is not an add-on you have to buy twice: it is part of the Business Ultra plan, in the same installation. If you only need the private side, there is a separate personal line starting at €0. Pricing
Where it stops
PilotOS does not aggregate bank accounts across providers by PSD2 licence, does not score your creditworthiness, and does not sell your spending profile. Banking runs via FinTS with your own bank credentials, or by importing statements manually.
Questions about private finances
Does it connect to my bank?
Via FinTS with your own bank credentials, or by importing statements manually. There is no PSD2 licence behind it and no aggregation service in the middle — your credentials stay with your bank.
Is the private part included in the business plan?
Yes. The private area is part of Business Ultra, in the same installation and the same database. If you only need the private side, there is a separate personal line starting at €0.
Does it score my creditworthiness?
No. There is no scoring, no credit check, and no selling of spending profiles. The data stays on your disk and is not analysed by anyone but you.
Why put private and business in one program?
Because a withdrawal is one movement with three consequences: profit, tax reserve and private liquidity. Two separate programs each see only their half.
What a household budget should not do
It should not judge. A budget that turns red because you bought a birthday present teaches you to stop recording, not to spend less. The traffic light here is an indicator, not a verdict — it shows that a category is moving, and leaves the decision with you.
It should not need a bank login it does not own. Aggregation services ask for your credentials and keep a copy of your transactions; that is a business model, not a feature. PilotOS reads statements you import, or connects via FinTS with credentials that stay with your bank.
And it should not disappear with a subscription. A budget is a record of years; if cancelling the app means losing the history, it was never your record. The export here does not depend on payment.
Where a budget ends and planning begins
A budget records what happened. Planning asks what could happen. The two belong together, because a category that is always at 102 percent is not a discipline problem — it is a planning error that was never corrected.
In PilotOS the private side can run scenarios: what a change in income does to the savings rate, what a loan does to monthly liquidity, what happens if the tax reserve is larger than assumed. The result is a number you can argue with, not a feeling.
And the honest limit: a plan is an assumption. It becomes useful when it is written down and compared — not when it is perfect.