YOUR MONEY AT A GLANCE
A little more clarity.
A little less money stress.
A simple view of what you have, what needs attention, and what you can safely spend before your next payday.
Safe to Spend
A guide for the time until your next payday
Estimated spendable amount
$0.00
Set your next payday and review your commitments.
Eligible account balances$0.00
Bills due before payday−$0.00
Reserved / planned essentials−$0.00
Expected income is not counted until you mark it received. Savings accounts are excluded unless you mark them as spendable.
Your next payday
Plan ahead without counting money twice
Monthly spending
Your expenses compared with budget limits
Recent transactions
A quick look at money coming in and going out
Your accounts
Balances across the places you keep money
YOUR LEDGER
Transactions
Record money in, money out, account transfers and debt payments. Amounts are entered as positive numbers.
PLAN AHEAD
Paycheck planner
Expected income stays separate from actual cash. Mark a paycheck received only when it arrives.
Upcoming paydays
Plan bills and essentials for each pay period
WHAT NEEDS ATTENTION
Bills & subscriptions
Track due dates, recurring bills, partial payments and what remains. Marking a bill paid can create its expense transaction.
FUTURE YOU
Savings & debt
Make progress visible. Track savings targets and separate debt principal from interest and fees.
Savings goals
Progress, not perfection
Debt overview
Principal balance and payment history
NOTICE YOUR PATTERNS
Reports
See what happened this month, without shame or guesswork.
Spending by category
Posted expenses for the selected month
Budget vs actual
Your category limits for the selected month
WHERE YOUR MONEY LIVES
Accounts
Keep cash, checking, savings and other accounts separate. Transfers move money; they do not create income or expenses.
YOUR DATA, YOUR CONTROL
Data & backups
Your financial records are intended to stay in this browser. Export backups regularly and keep them somewhere safe.
Full app backup
Includes transactions, accounts, bills, goals, debts and settings
A JSON file is the full backup format. CSV files only transfer transactions.
Restoring replaces the current app data after confirmation. Make a backup first. Never share a backup file publicly; it may contain sensitive financial information.
Storage & privacy
Important things to know
Browser-local storageNot cloud synced across devices
Backup regularlyBrowser data can be cleared or lost
No bank connectionIncome and transactions are manual
Offline statusOffline availability depends on the first successful load and browser support
This app stores your budget in this browser only. It does not connect to your bank or sync across devices. Export a backup regularly; browser data may be cleared.
MAKE IT YOURS
Settings
One currency per budget. Changing currency changes the display symbol only; it does not convert your existing values.
Budget preferences
Set an opening balance for each account in Accounts. This keeps cash, bank and savings balances separate.
Enter only money not already counted in unpaid bills or account-level reserved balances.
Categories
Add categories used in transaction entry and reports