Budget Status Summary
Insights
Upcoming Obligations
Spending by Category
Transactions
Everything in one place — income, expenses, transfers, and savings activity. Use the filters to focus on a specific type or time window.
Cash and Bank Accounts
Track where your money lives. Add accounts here so every transaction knows where it came from or went to.
Transfers & Debt Payments
Move money between accounts, make a card payment, or pay a loan. Transfers do not count as spending.
Credit Cards
Cards are tracked as debt, not spendable cash. Add a card here, then make payments on the Accounts tab.
Credit Card Payments & Advances
Card payments lower the card balance and reduce your bank balance. Cash advances do the opposite — they raise the card balance and deposit cash.
Your income
Repeat this income every period?
Partner's income
Shared contextTracked for household context only. It stays out of your personal free-to-spend totals.
Recurring Income Templates
Set up recurring income here so entries are created automatically each period — no re-entering the same paycheck every cycle.
Expenses
Add any expense here. Credit card purchases raise the card balance instead of reducing cash. Shared expenses split by your chosen percentage.
Does this repeat every period?
Recurring Expense Templates
Set up recurring expenses here — subscriptions, rent, school fees — and they will appear automatically each period, ready to confirm or adjust. Monthly, semi-monthly, weekly, and biweekly frequencies are supported.
Category targets and pacing
Set a target for each category to track pace. Green means on track; amber means watch it; red means over. "Copy from last period" fills in targets for categories you haven't set yet — it won't overwrite ones you've already entered.
Savings & Goals
Add a savings goal and allocate money toward it. Progress tracks what you have set aside, not just what is in the account. Monthly contribution is how much you plan to add per calendar month — the app scales it proportionally for shorter pay cycles.
Allocate or Release Savings
Record when you earmark money toward a goal or pull it back. Leave From and To blank to earmark money without moving it. Fill both only when cash is physically moving between accounts.
Debts (loans, mortgages)
Add installment loans and personal debts here. Credit card balances are managed on the Credit Cards tab.
Payoff strategy
Assets
Your bank accounts roll in automatically. Add property, vehicles, or other assets here for a complete picture.
Liabilities
Card balances and debts are pulled in automatically. Add other liabilities here if needed.
Income vs expenses (last 6 months)
Net worth over time
Active period spending by category
Budget setup
Choose whether the active period follows the calendar month or your pay cycle. This affects how all period totals are calculated. Changing your payday or frequency will reset the active view to the current cycle and may affect saved category targets.
Preferences
Adjust how the app looks and feels. These settings do not affect your budget data.
Categories
Add, rename, or remove spending categories. Removing one moves linked history into Other so nothing breaks.
Import rules
Use keyword rules to auto-suggest categories during CSV imports. Rules match transaction descriptions case-insensitively.
Data & backup
Your data is auto-saved in this browser as you work. Download a backup to protect it outside the browser — especially before clearing browser data or switching devices.
Tab order & visibility
Hide sections you don't use. Use ↑ ↓ to reorder. Overview and Settings are always visible and stay at the edges.
Help & Support
The guide explains card balances, safe-to-spend, savings activity, backups, and the “what not to do” items that keep your numbers clean.
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Setup checklist
See what is set up and what is still missing. You can reopen the setup guide any time if you skipped it or want a calmer walkthrough.
Danger zone
These actions are permanent and cannot be undone. Download a backup before proceeding.