- 5areas scored in your financial health
- 70badges to unlock as habits improve
- 5daily tasks built from your own data
- 3minidle time before you're signed out
Up and running in three steps
No spreadsheets to set up and nothing to import. Start with the basics and the rest builds itself.
Create a family account
Sign up free, then invite everyone. Each family member signs in with their own account.
Add your money picture
Add your bank accounts, budgets, bills and savings goals. Only the last 4 digits of an account are kept.
Log it and watch your score
Record what comes in and goes out. Your financial health score is worked out for you, with clear next actions.
Everything your family needs to manage money together
Open any row to see what it does.
Track money in and out
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TransactionsLog income and spending for each family member, by category.
Filter by month, type, category, member or account, or search by description. Every family starts with ready-made categories such as Salary, Groceries, Housing and Transport. Export the full ledger to CSV whenever you want a copy.
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BankingEvery account in one view, with a live balance for each.
Keep savings, current, fixed deposit, credit card and cash accounts together. Record deposits, withdrawals, interest and fees, or move money between your own accounts and both sides update at once. Only the last 4 digits of an account number are ever stored, and there is nowhere to enter bank passwords, PINs or OTPs.
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BillsSee what's due, what's overdue and what's paid.
Add bills and debts with a due date and mark them paid as you go. Reminders appear in the notification bell as a bill comes due, and again if it goes overdue.
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RecurringSet up salary, rent and subscriptions once.
Choose weekly, every two weeks, monthly, quarterly or yearly, with a fixed or variable amount. Pause an item whenever you need to. DreamFundSL works out when each one is next due.
Plan and save
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BudgetsSet a limit for each category and see if you're on pace.
The Budget Advisor compares how much you've spent with how much of the month has gone, then projects where you'll finish. For example, 84% of the grocery budget used with 67% of the month passed shows a likely overrun before it happens. Trend comparisons only appear once there is enough history to be meaningful.
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SavingsGive every goal a target and a date.
Watch each goal fill up, assign goals to family members, and keep a dated record of every contribution.
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Investment BoxA savings challenge you tick off, note by note.
Set a goal and it's split into a shuffled grid of LKR 100 and LKR 500 notes that add up exactly to the total. Tick each one off as you set that money aside, until the box is full.
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Emergency FundKnow how many months of essentials you could cover.
Set a target in months of essential expenses (1 to 24, six by default) or type your own amount. Add to it by saving under Emergency Fund in Transactions, and take money out only into one of your bank accounts, with a reason for each withdrawal. Your status moves from Critical to Building, Healthy and Fully Funded as the balance grows.
See where you stand
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Financial HealthOne score from 0 to 100, and what to do next.
The score combines five areas: emergency readiness, savings strength, budget control, debt position and cash-flow stability. See what's helping, what's holding you back, and your next three actions in plain terms. Your score history builds up month by month.
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DashboardStart each visit with this month at a glance.
See income, spending, savings and what's safe to spend, plus cash in hand for each member, savings goals and debt reminders. Quick views of your banking, emergency fund and financial health sit alongside.
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CalendarEvery bill, payment and savings date on one month view.
See bills, recurring transactions, savings-goal target dates, budget end dates and the transactions you've logged, day by day. Open a day to mark a bill paid or log a recurring payment without leaving the calendar.
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AchievementsFive daily tasks and badges that keep the habit going.
Each day brings five tasks built from your own data, such as logging transactions or paying a bill that's due soon. Meeting the daily goal extends your streak. 70 badges, from Bronze to Diamond, unlock as your saving, budgeting and debt habits improve.
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ReportsMonthly summaries you can print.
An overview and summary for each month, spending trends over time, budget versus actual, and savings progress, with a print-ready view.
Work together
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FamilyEveryone gets their own sign-in.
The person who creates the account becomes the Admin and adds the rest of the family. Admins manage budgets and members, while everyone can log their own activity. Each person can add a profile picture and see how often they've signed in.
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NotificationsA bell that tells you what needs attention.
Bills that are due or overdue, budgets you're on pace to exceed, an emergency fund that has become critical, and months when spending has passed income.
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Google Sheets syncAn optional live copy of your records in Google Sheets.
When it has been set up for your family, every change is copied to a Google Sheet in the background, and the top bar shows when it last synced.
Your family's money stays private
DreamFundSL is built for households, not the public. This is how sign-in and your records are protected.
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Only your family sees your records
Every request is checked against the family you signed in as, so another family's data can't be reached from your account.
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Passwords can't be read back
They're stored as salted one-way hashes, never as you typed them, so nobody who runs the app can see them.
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Guessing gets slowed down
After 5 wrong passwords for the same email, sign-in pauses for 15 minutes.
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You're signed out when you step away
You're signed out after 3 minutes without activity, and a session never lasts longer than 24 hours. Changing your password signs you out of your other devices.
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No bank secrets, ever
Only the last 4 digits of an account number are kept. There is nowhere to enter a bank password, PIN or OTP.
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Strong passwords, without the puzzle
Use at least 8 characters that mix two kinds, such as letters and numbers. Common passwords are turned away.
Built for organisations, not just households
Everything in Forever, plus the controls an organisation needs to run money together: who can see and do what, how people sign in, and a record of every change. Any number of businesses is included.
Single sign-on
Sign in with your company identity provider (OpenID Connect). Restrict sign-in to your email domains, and require SSO for members.
Custom roles
Create roles such as Accountant or Viewer and choose exactly what each can see and change across transactions, budgets, banking, savings, bills and reports.
Teams
Group members into departments, branches or households and keep them organised under one organisation.
Audit log
A searchable record of settings, role, team and sign-in events, with CSV export and a retention period you choose.
Seat & session control
Agree a seat limit in your contract and set how long a sign-in lasts before people must sign in again.
Email & SMS included
Bill reminders, budget alerts and goal updates by email and SMS are part of the plan, with no add-on to buy.
Talk to us about EnterpriseCustom pricing, set up by our team.
Simple, honest pricing
Start free. Upgrade only when your family outgrows the limits below.
Free
Get started with the basics.
- Up to 2 members
- 1 active savings goal
- Up to 2 recurring transactions
- Current-month reports
- Current Financial Health score
Plus
Or LKR 4,900/yr — 2 months free.
- Up to 4 members
- Up to 5 active savings goals
- Up to 8 recurring transactions
- Last 3 months of reports
- 3 months of Financial Health history
- Financial Coach & Safe-to-Spend forecasting
Premium
Or LKR 7,900/yr — 2 months free.
- Up to 8 members
- Up to 15 active savings goals
- Up to 20 recurring transactions
- Last 12 months of reports
- Full Financial Health history
Family
Or LKR 14,900/yr — 2 months free.
- Unlimited members
- Unlimited savings goals
- Unlimited recurring transactions
- Unlimited reports
- Full Financial Health history
Forever
No monthly bill, ever — everything in Family, for good.
- Unlimited members
- Unlimited savings goals
- Unlimited recurring transactions
- Unlimited reports
- Full Financial Health history
- One payment. No renewals, ever.
Questions families ask
Short answers. The full details are in our Terms and Privacy Policy.
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Is the Free plan really free?
Yes, for a 30-day trial, with no card needed. If you haven't chosen a paid plan after 30 days, sign-in is paused. If you still haven't after another 30 days, the family's data is permanently deleted. We email the Admin when sign-in is paused and again about a week before deletion. Export your records any time from Reports.
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Does DreamFundSL connect to my bank or move my money?
No. It never logs in to a bank and never moves, holds or invests money. It is a record-keeping tool: you enter your transactions and balances, and it works out budgets, reports and your score. Only the last 4 digits of an account number are kept, and there is nowhere to enter passwords, PINs or OTPs.
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Who can see our records?
The members you add to your family, and nobody from another family. A few authorised DreamFundSL staff can carry out account and support tasks, and those actions are logged. We don't sell your data and we show no ads.
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How do I pay, and can I cancel?
Paid plans are paid in LKR on PayHere's secure page; we never see your card number. You can request a plan change or cancellation from the Subscription page whenever you like and keep your plan until the end of the period you paid for. New purchases can be refunded within 7 days. Details are in the Billing & Refund Policy.
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Can I take my data with me or delete it?
Yes. Export transactions and reports as CSV, Excel or PDF whenever you want. You can delete your account and its data yourself from Profile > Delete account, or at dreamfundsl.com/delete-account. See your rights.
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I can't sign in. What should I do?
Use Forgot password on the sign-in form. After 5 wrong passwords for the same email, sign-in pauses for 15 minutes. You are also signed out after 3 minutes without activity, which is intentional. Still stuck? Visit our contact page.