What is Mustard Seed?

Mission

Mustard Seed is an iOS, iPadOS, and macOS-exclusive app, dedicated to solving the unnecessary complexity of long-term planning with money.

When it comes to financial planning, there’s often a massive learning curve filled with jargon. This creates an unnecessary barrier to understanding basic money principles—principles that can have life-changing impacts, with ripple effects for generations. Mustard Seed’s goal is to remove the complexity from personal financial planning through thoughtful design in a helpful and personal format.

Most people never see how small decisions today quietly shape their financial future.

Mustard Seed makes that math visual—so you can plan with clarity and act with confidence. It’s a tool to help you to understand and harness the powerful relationship between your money, interest, and time.

Privacy

Based on this mission, we believe personal finance should be truly personal.

In today’s world, most software asks users to trade privacy for a free product. Instead of paying with money, we pay with our data. Our most personal information sits on someone else’s servers so other companies can use it to manipulate us. When it comes to data as sensitive as your entire financial roadmap, the idea of that data being sold or leaked is a complete non-starter for us.

Something as important as your entire financial roadmap should be for your eyes only. That’s why Mustard Seed never receives your data, stores no login credentials, and uses no servers. Everything stays on your device, and your data never leaves it. With Mustard Seed, your data belongs to you—and no one else. You own the app, and you own your data—forever.

Cost

We believe in giving value once and letting you keep it forever, the same way smart investing works. If one of the best things a person can do is own assets rather than renting, why should financial apps be any different? Instead of a $9.99/month subscription, Mustard Seed is a one-time purchase of $9.99.

We chose this pricing model because we wanted to make a tool that was affordable for everyone. Secondly, we dislike the financial impact subscriptions have on users over time. If you pay $9.99 a month for 40 years, that’s $4,795.20. But the true cost is much higher. If you invested that same $9.99 per month and earned a 10% annual return, you’d have over $60,000 after 40 years. That’s the real cost of subscribing to an app over time. With Mustard Seed, you could save $59,990. 

Our aim is to make Mustard Seed the most private personal finance app you can use, and also the most affordable.

Together, these beliefs shape everything about Mustard Seed. It’s why we do what we do. At the end of the day, we hope our work on Mustard Seed helps people plan for their future in ways that bring blessing to their lives, and to those around them.

If you want to help make Mustard Seed a reality, please sign up for our emails—or, if you’re able, consider donating to help us offset the development costs of this project. We’re a team of just two and are building this independently of any investors, so any support you can give makes a huge impact.