Home
A clear look at this month’s money.
Get set up
Start with the basics, then come back whenever you need to change them.
How each section works
Setup
Use the quick links to add income, bills, envelope budgets and spending.
Home
Choose a month to see income, bills, spending, safe to spend, upcoming bills, paydays and reminders, plus charts comparing your category budgets with actual spending.
Today
A quick check-in for the selected month: savings, debts, safe to spend, upcoming items, goals and your notes.
Recurring bills & income
Add wages and fixed bills once with an amount and first date. They repeat monthly and feed into your calendar and totals. Existing monthly repeats appear here too. Remove this month skips one occurrence. Stop future repeats keeps this month and earlier entries. Delete whole series removes all linked entries, including earlier months.
Income
Add paydays or other money coming in. Tick “Repeat this income every month” for regular wages; you can stop future repeats later.
Bills
Add commitments with a due date, repeat regular bills monthly, and mark each month’s bill paid separately. Bills are set aside in the safe-to-spend calculation.
Spending
Record purchases with a date and category. They appear automatically in Envelopes and the Home charts.
Envelopes
Set flexible spending limits for each category in the selected month. Add fixed commitments such as rent in Bills. See what you spent and what is left, add spending to a category, or add your own category at the bottom.
Goals
Choose a target, add money as you save, and see your progress across months. An optional starting amount records money you had saved before using this planner.
Savings
See and remove this month’s contributions. You can also add a separate savings entry here; new goal contributions are added from Goals and counted in the selected month.
Calendar
See dated bills, income and reminders for the selected month. Use + Reminder to add a dated note, payday or savings reminder.
Debts
List balances, interest rates and minimum payments. Record a payment to reduce a balance; debt payments are tracked here separately from monthly spending.
Yearly review
Compare entered income and allocated money out across the selected year, with monthly bars and exact totals.
Transaction log
Browse spending, bills and savings entries for the selected month, with a count, total and average. Bill dates are due dates.
Settings
Set your name for the Today greeting, choose a colour theme, and switch between day and night mode. Choose your currency and download or restore a backup here. Choose a month above, or open Envelopes in the sidebar to select an envelope month.
Hello!
Upcoming bills & reminders this month
Budget vs actuals
Spending distribution
Actual spending by envelope category.
Safe to spend
available
Today’s money check-in
Your key numbers, upcoming plans and goals in one place.
Coming up
Tick an item when it’s sorted. Untick it to put it back on your list. Bills are also marked paid.
Goals in motion
Notes for this month
Money in
Paydays and other income
Money in
Bills & essentials
What you need to set aside
Bills & essentials
Everyday spending
Add an expense as soon as it happens
Everyday spending
Monthly envelopes
Set flexible spending limits for things like groceries, coffee and clothes. Put rent, utilities and other fixed commitments in Bills.
Quick add
Spending by category
Budgets are guides. Purchases you enter in Spending appear here automatically.
Savings goals
Money set aside this month
Savings goals
Your goals
Save for the things that matter to you, one contribution at a time.
Your saving goals
Already saved is money you had before using this planner. New contributions count toward the month you add them in.
Money calendar
Bills, paydays and reminders for the selected month.
Calendar
Debts
See what you owe and record payments as balances fall.
Your debts
Month by month
Money out includes bills, spending and savings set aside. Tap a month for exact figures. Only entered months are included.
Income & money out, in full
Transaction log
Spending, bills and savings set aside in the selected month. Bill dates are due dates; entries appear whether paid or unpaid.
Monthly income
Regular money coming in.
Your repeating income
Monthly bills
Fixed commitments such as rent, utilities and memberships.
Your repeating bills
This month’s entries
Manage individual paydays and mark bills as paid without changing their monthly repeat.
Settings & backups
Make the planner yours and keep your information safe.
Your preferences
Use the month buttons above to choose a month and the arrows to change year.
Entries are kept separately by month on this device.
Choose the colour that feels best to you.
Keep a backup
Save a copy of all your months, or restore a backup on this or another device.
Restoring replaces the entries currently saved in that browser, so download a backup first.