Bluu Labs

Where all your net worth lives.

Your Airbnb, your side hustle, your crypto and your salary. One place, no guilt.

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We'll let you know when the beta opens. No spam.

iPhone mockup

Net worth

$2,847,500

5 sources

Airbnb · June

Today, 11:28

+$1,820,000

Cartagena with friends

Yesterday, 09:02

$340,000
Capabilities

Five capabilities. One thesis.

Bluu isn't yet another budgeting app with AI. It's the infrastructure to manage the net worth of someone building something.

  1. 01

    Capture through every channel you already use

    WhatsApp, manual, receipt scanning. Everything lands in the same place, in seconds.

    Learn more
  2. 02

    AI that respects your judgment

    If you classified an expense, the AI learns. It never corrects you.

    If you decide, that's how it stays.

  3. 03

    Spaces: shared finances as a first-class citizen

    Trips, home, side hustle. Each one with its own logic, not a universal split bolted on top.

    Learn more
  4. 04

    Budgets that adapt to your rhythm

    Your budgets evolve with your actual income, not lists you started in January and dropped by March.

  5. 05

    Financial Health Score

    A single number that moves with you as you build.

    Goes up when you build something. Goes down when you tear it apart.

    Learn more
Spaces

The finances you share are also yours.

The Cartagena trip with your 4 friends. The apartment with your two roommates. The co-host who runs your Airbnb. Every Space has its own pot of money and settles itself. Nobody opens a spreadsheet at the end of the month.

Trip · Pool

Cartagena

JS
A
L
+2
· 5 people

Hotel, meals, boat, bar. Shared pool, settled when you get back.

Your share$1.68M
Pool total$8.4M
Why a Space

Because when you get back no one wants to open Excel. Everyone adds to the pool, Bluu splits it and each person sees what they owe or get back, with no arguing over screenshots.

Roommates · Monthly

Casa Chapinero

JS
MR
DV
· With MR and DV

Rent, utilities, groceries, dog walker. Splits set up once and forgotten.

Remaining$640k
This month$1.86M
On track
Why a Space

Because the home has its own recurring expenses; they aren't yours, they belong to the household. Live together without making the end of the month an awkward conversation.

Side hustle · 70/30

Airbnb · La Candelaria

JS
CO
· With your partner

Bookings, cleaning, maintenance. Your monthly payout already separated from your partner's.

May · payouts+ $4.1M
Accounts3
Why a Space

Because the Airbnb is a business, not a personal expense. Its own separate accounts, automatic 70/30 splits, and clear numbers at the end of the month, not estimates.

Couple · 50/50

Life with Sara

JS
S
· With Sara

Groceries, phone bills, Netflix, nights out. The shared stuff lives here; your personal money stays yours.

This month$2.3M
Your share$1.15M
Why a Space

Because mixing everything is confusing and splitting everything is exhausting. A Space for what you actually share, without either of you giving up control over your own money.

Family · Monthly

Family home

JS
M
· With your partner

School, groceries, utilities and the nanny. The predictable stuff stops being argued every payday.

Remaining$1.4M
This month$3.7M
On track
Why a Space

Because family money fights with personal money when they live in the same account. The Space gives the household its own frame, so what's yours doesn't feel sacrificed.

Freelance · Solo

Design projects

JS
· Just you

USD payouts, tools, subscriptions. What comes in and out on the work side, separate from your salary.

May · net+ $2.6M
Tools$340k
Why a Space

Because the side hustle pays differently, spends differently, and has its own taxes. Mixing it with your salary makes you believe you earned more than you actually did.

Wealth

We work on net worth. Not on investments.

Other apps
Finance apps measure how you're doing. They show you a red number when you 'overspent'. They tell you to save more. They make you feel bad about your own money.
Bluu
Bluu measures what you're building: your Airbnb, your side hustle, your crypto positions, your liquidity. The health of your net worth, not the verdict on your month.

Building net worth isn't the same as controlling expenses. Bluu works on the first; the second falls into place.

Join the list

We'll let you know when the beta opens.

WhatsApp

Your mom, your partners and you already live on WhatsApp. Your finances should too.

This is what Bluu feels like day to day.

Tell Bluu what you spent. It's saved.

You paid for the Airbnb, the groceries, the team lunch. Talk to Bluu like a friend and the transaction lands categorized in seconds.

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Log on the spot
Console

The pro console for your net worth.

When WhatsApp isn't enough, the app lets you go deeper: how each Space is doing, what's coming until year-end, how the month closed.

  • Consolidated view

    Accounts, Airbnb, crypto and side hustle, summed up without you lifting a finger.

  • Per-Space close

    What came in, what went out and how each Space did. Ready to review yourself or share with your co-founder.

  • 12-month projection

    Your Health Score and recurrence rules trace the net-worth curve ahead.

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Bluu mobile app showing insights and net worth projection
For people building something

Built by people who live the problem.

There are apps for managing a paycheck. Bluu is for when your life has more layers. Your financial life doesn't fit in a spending app anymore. An Airbnb that already earns more than the salary. A crypto position you'd rather not check every day. A business with a co-founder that needs clean books. Income in three currencies. Expenses shared with four people across different contexts.

You tried Excel. You tried apps that made you feel bad about a coffee. Bluu is different: it brings order to your net worth without judging it and without asking you to give anything up. We built it as people who live this way, because the "manage your paycheck" apps weren't enough for us.

“Banks care about you not going broke. Bluu cares about you building something .”

B
The Bluu team
2026
Languages
Spanish · English · Portuguese · German · French
Stage
Private beta · early access
What we're NOT
A budgeting app with AI · A neobank lite
Join the list

Early access. No raffles, no long forms.