xaelr reads your physical state and your financial behaviour simultaneously. and shows you the relationship between them.
no other app has all four data streams simultaneously. that combination is what makes the intelligence possible.
sleep duration and quality compared against your personal average. when sleep drops below your usual, the prediction engine activates.
heart rate variability is a real-time window into your stress state. low HRV overnight signals elevated cortisol. which impairs financial decision-making.
a quick morning check-in captures your emotional baseline before the day's financial decisions happen. over time this builds your mood-spend pattern.
transactions logged manually or imported. categorised automatically. compared against your weekly budget. the financial output that the health signals predict.
xaelr builds a model of you over time. week one is just the beginning.
during onboarding, xaelr asks one question: "when do you usually overspend?" you select your trigger. stressed, tired, low mood, celebrating, or no idea. from that moment xaelr watches for that specific physiological signal in your health data.
the picture screen shows sleep, mood, and spending on the same axis for the same days. by day three the pattern is often already visible. the days with short sleep bars, amber mood dots, and higher spend numbers align. you can see it before xaelr names it.
after three weeks of combined health and financial data, the xaelr index calculates the correlation specific to you. it assigns a confidence percentage. 60% means the signal is emerging, 85% means it's confirmed, 95% means it's definitive. not a generic insight. a pattern in your own data.
once a pattern is validated, the prediction engine activates. overnight health data is read before you open the app. if sleep dropped or HRV dipped. and your pattern says that predicts higher spending. a notification fires before your day begins.
on the first of each month xaelr writes a personal synthesis of the previous month. what your health data showed, what your financial data showed, what the connection looked like. gets richer and more accurate with every passing month.
pattern confidence grows from signal to confirmed to definitive. the monthly portrait gets richer. the prediction engine gets more precise. a user with six months of xaelr data has something genuinely irreplaceable. a model of themselves that no other product can build.
enter your monthly income and a rough estimate of your outgoings. xaelr calculates your weekly spending headroom number immediately. takes two minutes. rough is fine. it gets more accurate as you add details.
one permission dialogue. xaelr reads sleep, steps, HRV, and mindful minutes from apple health. or from your connected wearable (apple watch, garmin, oura, whoop). read-only access. nothing is written back.
the health screen opens in the morning. one tap mood check-in. five options, takes two seconds. this is xaelr's most important daily data point. it captures your emotional baseline before the day's financial decisions happen.
tap the + button and log transactions as you go. or import a bank statement CSV. manual logging or imports both work. the more complete the data, the sharper the intelligence.
after three weeks the xaelr index starts to confirm your personal pattern. after a month the prediction engine fires. when the prediction is confirmed. when xaelr told you on monday and wednesday played out exactly as it said. that's the moment.
xaelr is built around pattern awareness, not pressure. It helps you notice what appears to sit around your spending, while staying clear about its limits.
xaelr is an early-access iOS app that helps people notice patterns between spending behaviour, mood, sleep, stress and daily habits.
xaelr is not a traditional budgeting app. It focuses on helping users understand the context around their spending, not just tracking what was spent.
No. xaelr does not provide financial advice. It helps users notice patterns in their own data so they can understand their habits more clearly.
No. xaelr does not provide medical advice, diagnosis or treatment. It can help users observe patterns involving sleep, mood, stress and spending, but it is not a medical tool.
xaelr is designed to work with signals the user chooses to connect or log, such as spending, mood, sleep, stress, energy and small daily habits.
Patterns are observations in a user's own data, such as spending appearing near low sleep, stressful weeks or changes in routine. xaelr does not claim these are universal facts or guaranteed causes.
xaelr is being built around consent, clarity and control. The aim is to help users understand their own patterns without shame, judgement or unnecessary pressure.