Upcoming Bills
No bills added yet.
No upcoming bills in the next {{ billTimelineWindowDays }} days.
{{ e.name }}
{{ e.date }}
Settings
Manage cards, categories, stores, users & data
{{ cardModal.editing ? 'Edit Card' : 'Add Card' }}
Your Cards {{ cards.length }} {{ cards.length === 1 ? 'card' : 'cards' }}
No cards yet. Add one to start tracking payments.
{{ cardLabel(c) }}
{{ money(getCardUtilization(c).used) }} / {{ money(getCardUtilization(c).limit) }}
{{ getCardUtilization(c).pct }}% used
{{ getDebtNameForCard(c) }}
Limit: {{ money(c.creditLimit) }}
Linked to: {{ getDebtNameForCard(c) }}
Not linked to a debt
{{ accountModal.editing ? 'Edit Account' : 'Add Account' }}
Your Accounts {{ accounts.length }} {{ accounts.length === 1 ? 'account' : 'accounts' }}
No bank accounts yet. Add one to start tracking balances.
{{ a.name }}
{{ a.institution || 'No institution' }} · {{ a.accountType === 'savings' ? 'Savings' : 'Checking' }}
Add Category
Categories are also auto-created when typing new ones in the expense form.
Saved Categories {{ uniqueCategories.length }} {{ uniqueCategories.length === 1 ? 'category' : 'categories' }}
No categories yet. They appear here as you add expenses.
{{ cat }}
Add Store
Stores are also auto-created when typing new ones in the expense form.
Saved Stores {{ uniqueStores.length }} {{ uniqueStores.length === 1 ? 'store' : 'stores' }}
No stores yet. They appear here as you add expenses.
{{ s }}
Create User
All Users {{ allUsers.length }} {{ allUsers.length === 1 ? 'user' : 'users' }}
No users found.
{{ u.displayName || u.username }}
@{{ u.username }}
{{ resetPasswordError }}
{{ resetPasswordSuccess }}
Import & Export
Back up your data as CSV or restore from a previous export.
Data Summary
{{ income.length }}
Income
{{ expenses.length }}
Expenses
{{ bills.length }}
Bills
{{ debts.length }}
Debts
{{ cards.length }}
Cards
{{ accounts.length }}
Accounts
{{ uniqueCategories.length + uniqueStores.length }}
Cat + Stores
Danger Zone
This permanently deletes all your budgeting data. This action cannot be undone.
Monthly Income
{{ money(monthlyIncomeTotal) }}
Expenses + Bills
{{ money(monthlyExpensesTotal + monthlyBillsTotal) }}
Bank Balance
{{ money(totalAccountBalance) }}
Total Debt
{{ money(debtBalance) }}
Left Over
{{ netCashFlow >= 0 ? '+' : '-' }}{{ money(Math.abs(netCashFlow)) }}
Income − expenses, bills & debt payments
Budget Health
Spend Rate
{{ spendRate.toFixed(1) }}%
Percent of income going to expenses, bills & debt payments
Debt-to-Income
{{ dtiRate.toFixed(1) }}%
Total debt relative to annual income
{{ healthMessage }}
Budget Planner
Set spending limits per category and track how close you are this month
Total Budgeted: {{ money(totalBudgeted) }}
Spent: {{ money(totalBudgetSpent) }} of {{ money(totalBudgeted) }}
No budgets set yet. Select a category above and set a monthly limit to get started.
{{ item.category }}
Over Budget
Almost There
Heads Up
{{ money(item.spent) }} of {{ money(item.budgetAmount) }} spent · {{ money(item.remaining) }} left
{{ item.pct.toFixed(0) }}%
Over by {{ money(item.spent - item.budgetAmount) }}
Monthly View
Income, expenses, bills & debts month by month
{{ dataMonthLabel }}
{{ t.label }}
{{ t.value }}
Income Occurrences
Expenses
Bill Cycles
Debt Accounts
Add Income
Your Income Sources {{ income.length }} {{ income.length === 1 ? 'entry' : 'entries' }}
No income sources yet. Add one to get started.
{{ item.source }}
{{ money(item.amount) }} / {{ item.recurrence === 'one-time' ? 'one-time' : item.frequency }} · next: {{ item.startDate }}
Paid: {{ item.lastPaidAt }}
{{ getAccountLabel(item.accountId) }}
Add Expense
Your Expenses {{ filteredExpenses.length }} of {{ expenses.length }} {{ expenses.length === 1 ? 'entry' : 'entries' }}
{{ expenses.length ? 'No expenses match your filters.' : 'No expenses yet. Add one to start tracking.' }}
{{ item.name }}
{{ item.category }}{{ item.store ? ' · ' + item.store : '' }} · {{ item.expenseDate }}
{{ getCardLabel(item.cardId) }}
{{ getAccountLabel(item.accountId) }}
Refunded{{ item.refundDate ? ' on ' + item.refundDate : '' }}
Recurring · {{ item.frequency }}
{{ item.note }}
Add Bill
Your Bills {{ bills.length }} {{ bills.length === 1 ? 'entry' : 'entries' }}
No bills yet. Add one to start tracking.
{{ item.name }}
{{ item.billType }}{{ item.frequency }} · starts {{ item.startDate }}
{{ getPaymentSourceLabel(item.cardId, item.accountId) }}
Add Debt
Your Debts {{ debts.length }} {{ debts.length === 1 ? 'entry' : 'entries' }}
No debts yet. Add one to start tracking payoff.
{{ item.name }}
{{ money(item.payment) }}/mo · {{ item.interestRate.toFixed(2) }}% APR
Due: {{ item.dueDate }}
{{ getCardsForDebt(item.id).map(c => getCardLabel(c.id)).join(', ') }}
Paid from: {{ getAccountLabel(item.accountId) }}
Last paid: {{ item.lastPaymentDate }}
This Month's Bills
{{ c.label }}
{{ c.value }}
{{ e.name }}
{{ e.date }}
{{ e.actualAmount == null ? money(e.projectedAmount) + ' projected' : money(e.actualAmount) + ' paid' }}
{{ bills.length ? 'No bill cycles this month.' : 'No bills added yet.' }}
Expense Breakdown
No expenses added yet.
{{ item.category }}
{{ money(item.amount) }}
Debt Paydown
No debts added yet.
{{ d.name }}
{{ d.interestRate > 0 ? d.interestRate.toFixed(2) + '% APR · ~' + money(d.monthlyInterest) + '/mo interest' : 'No APR set' }}
+{{ money(d.accruedInterest) }} interest accrued
{{ d.eta }}
Paycheck Tracker
No income sources added yet.
{{ p.source }}
{{ p.paid ? 'Paid' : 'Unpaid' }}
{{ p.info }}
Calendar
{{ calendarLabel }}
{{ d }}
{{ cell.day }}
{{ ev.type === 'income' ? '🟢 ' + money(ev.amount) : ev.type === 'expense' ? '🟠 ' + ev.name : ev.name }}
+{{ cell.overflow }}
Spending Trends
{{ item.category }}
{{ money(item.amount) }}
Smart Debt Advisor
AI-powered strategy to minimize interest and get debt-free faster
$
How much extra can you put toward debt each month?
Current Path
{{ debtAdvisorAnalysis.current.months }} months
{{ money(debtAdvisorAnalysis.current.totalInterest) }} total interest
No changes to current payments
Avalanche
RECOMMENDED
{{ debtAdvisorAnalysis.avalanche.months }} months
{{ money(debtAdvisorAnalysis.avalanche.totalInterest) }} interest
Highest interest rate first
Snowball
RECOMMENDED
{{ debtAdvisorAnalysis.snowball.months }} months
{{ money(debtAdvisorAnalysis.snowball.totalInterest) }} interest
Smallest balance first
Save {{ money(debtAdvisorAnalysis.interestSaved) }} in interest
Debt-free {{ debtAdvisorAnalysis.monthsSaved }} months sooner using the {{ debtAdvisorAnalysis.best === 'avalanche' ? 'Avalanche' : 'Snowball' }} method{{ debtAdvisorAnalysis.hasExtra ? ' with ' + money(debtAdvisorExtra) + '/mo extra' : '' }}
Recommended Payoff Order
{{ idx + 1 }}
Focus here
{{ d.name }}
{{ money(d.balance) }} balance · {{ d.interestRate > 0 ? d.interestRate.toFixed(1) + '% APR' : 'No interest' }} · {{ money(d.payment) }}/mo
Smart Insights
- {{ tip }}
Savings Goals
{{ savingsGoalEditing ? 'Edit Goal' : 'New Goal' }}
No savings goals yet.
{{ g.name }}
{{ money(g.currentAmount) }} of {{ money(g.targetAmount) }} · due {{ g.targetDate }}
~{{ money(g.monthlyNeeded) }}/mo needed to reach goal
Net Worth
Assets
{{ money(currentNetWorth.assets) }}
Liabilities
{{ money(currentNetWorth.liabilities) }}
Net Worth
{{ money(currentNetWorth.netWorth) }}
Take snapshots over time to see your net worth trend.
Snapshot History
{{ s.snapshotDate }}
{{ money(s.netWorth) }}
Your financial planning hub
Add debts, savings goals, or take a net worth snapshot to get started.