This post is part of our live coverage of FinovateSpring 2014.

Qapital is our next presenter. The company’s PFM, safe balance, savings and goals app is live in Sweden and in closed beta in the U.S.

“Qapital for iPhone – a unique app that provides answers to the following three questions:

• How much money can I spend?
• How am I spending my money?
• How can I achieve the things that really matter to me?

The knowledge contained in the PFM transaction data is leveraged to create small and inspiring ways to show how much you are able to spend as well as how to achieve your goals through savings.

Here are some examples of the smart and inspirational features:

• You’ve spent less on taxis than usual this month; do you wish to transfer the surplus to your ski trip goal?
• Tax yourself a dollar toward your new guitar every time you buy a beer.
• Yes, you can afford that sweater if you skip five coffees at Starbucks!”