What this app is

A private budget & finance tracker. There's no bank connection — you log transactions yourself or import them from CSV. Use Export in the header to keep your own backup.

The envelope budget

The Budget tab uses an envelope system. Every euro of income gets a job: you assign it to a category. When you spend, the activity comes out of that envelope's balance.

• Budgeted — money you've assigned to a category this month.
• Activity — sum of transactions this month in that category (negative = spent).
• Balance — running total: prior balance + budgeted + activity.
• To be budgeted — income received minus everything you've budgeted minus uncovered overspending. This should ideally land at €0 (every euro assigned).

To decrease a category: lower its Budgeted number, or click the green balance pill → "Return to To Be Budgeted" to send it back to the pool. To cover overspending: click the red balance pill and pull from another category.

Groups: income, savings, expenses

Categories live inside groups. A group can be marked as:

• income — categories here represent earnings (Salary, freelance, etc.). Income transactions feed "to be budgeted".
• savings — money budgeted here counts toward your Forecast contribution, not as expenses.
• Anything else is treated as a regular spending category.

A category can also have rollover: any leftover balance carries to next month and overspending also rolls forward (instead of subtracting from next month's "to be budgeted").

Accounts & transactions

• On-budget accounts (checking, savings, cash) feed your "to be budgeted" pool.
• Off-budget accounts (investment, external) are tracked for net worth but ignored by the budget.
• Click the small dot at the start of a row to cycle Uncleared → Cleared → Reconciled.
• Use Transfer to account when adding a transaction to move money between your own accounts — no spending counted.
• Press N on the Accounts tab for the inline quick-add row.

Schedules vs payees

A schedule is just a recurring rule — it doesn't affect any balance until you click Post (or use Post due). Posting creates a real transaction and advances the next date.

Payees are derived from your actual posted transactions — schedules don't appear there until they've been posted at least once.

Forecast

Projects net worth using compound interest: balance = balance × (1 + r/12) + monthly_contribution

• From budget (default): contribution = planned monthly income − non-savings budgeted expenses.
• 3-mo avg cash flow: actual net flow on your on-budget accounts.
• Manual: type any number.

The dashed "real" line shows the same projection adjusted for the inflation rate, so you can see future euros in today's purchasing power.

Reports & loan

Reports shows net worth, assets, liabilities, last-30-days cash flow, and 12-month charts.
Loan is a stand-alone amortization calculator. "Save as scheduled payment" turns it into a monthly schedule.

Keyboard shortcuts

Bookmarkable pages

Each tab has its own page you can bookmark or share — Budget, Accounts, Forecast and the rest.

Privacy

Your data is private to your account. No ads, no analytics. Use Export if you want your own copy.