Envelope pots
Income sources — budgeted vs actual, by category
Each income line, grouped under its category (shaded bands). Grey is the budget for the same months; the coloured bar is what arrived. Lines with nothing budgeted or received in the period are left out.
Needs, Wants & Savings
Actual spend split against your target rule. Dashed markers show each target — set them on the Income screen.
Expense groups — budgeted vs actual
Each group side by side. Bars turn red where spending went over budget.
Expense categories — budgeted vs actual
Grouped by Group (shaded bands, labelled above), largest budget first within each group. Bars turn red where spending went over budget.
Expense variation
How each expense category's actual spend changes from month to month across the year.
Top categories over budget
Categories with the largest overspend year to date.
Year-end projection
Where each category lands by December if the current pace continues.
Needs / Wants / Savings targets
The classic rule is 50 / 30 / 20, but you can set whatever split you're aiming for. These appear as dashed target markers on the Needs, Wants & Savings chart.
Income sources
Rename or remove the built-in lines, and add your own for anything else — rental income, freelance work, dividends, child benefit, and so on. Sources are set per year, so a source added in one year won't disturb another. The Linked account column does two things: Bank Import pre-fills it whenever that source is picked on a statement row (still just a suggestion, freely overridden per row), and typing a figure into that source's Actual box below nudges that same account's balance by the change — so if you're excluding a source's own statement rows from import and recording it here instead, the account still moves. Only future edits nudge anything; linking an account never reaches back through what's already on file.
Monthly income inputs
Fill in each income source for every month of the year.
Expenses
Set a monthly budget per category, then track actual spend against it — either by importing a bank statement or entering figures by hand.
Choose a group and category to edit its monthly budget. New categories are created from the Groups screen.
Record individual expenses here. Bank imports land in the same ledger, so typed entries and imported transactions add together rather than overwriting each other.
The average of the last three months with logged spend — a steadier signal for setting budgets than any single month, since it absorbs one-off spikes and quiet months. The window rolls back into the previous year when this one doesn't have three months yet.
Citibank card alerts from the last 6 months, read-only. Pick a category on any row and GELD remembers it for similar merchants.
Add groups and categories here, then click a group below to see the categories inside it. Set monthly budgets from the Budget setup screen.
Bank statement import
Three steps, in order: say which account the statement is for, say how it should be read, then add the file. Every line is included — negative amounts too — and matched to a category automatically from the rules learned from what you've categorised before. Give an account a CSV/Excel template or a PDF template (under Import accounts, below) and its columns are mapped for you.
Which account is this statement for?
This decides which balance moves, which learned rules apply, and — if the account has a template set on it — how the columns are read.
How should this statement be read?
Set these before adding the file — they're applied as it's parsed. If the account above has a CSV/Excel template or a PDF template, it is chosen here for you and the columns are mapped; you'll still get a chance to check them. How a bank writes its dates now lives on the template itself rather than being asked every import — it is a fact about the bank, not about today.
Add the statement
Matching confidence
Applies to every import, not just this one.
CSV/Excel statement templates
Which column is which, per bank, for statements that arrive as a spreadsheet. Set one on an import account and its statements are mapped automatically. Five are set up already — edit them if a bank changes its export, or add your own for a bank that isn't listed. For a bank that only sends PDFs, use the templates below instead.
PDF statement templates
For banks that only give you a PDF. A PDF has no columns to number, so you trace them once on a real statement — draw a box round the transactions table, then drag a strip over each column and say what it is. Everything after that is identical to a spreadsheet import: the same learned rules, the same merchant names, the same duplicate checking.
Columns
Merchant names
For the payment codes only you can decode. If a statement's text contains the text on the left, the transaction comes in named on the right — so 1946520761A00107A can arrive as HMRC rather than as itself. Correcting a Merchant or Description directly in the review table adds a line here automatically.
Card / account names
Give each card or account a nickname (e.g. ••5178 → Mag) so imports, rules, and reports read in plain English instead of digits.
Import accounts
Every account on the Net worth screen is a statement source, listed here with its last-4 and its layout. There's nothing to set up: add a bank account there and it appears here straight away, and Edit takes you back to it — the one place any of this is changed. Anything greyed out at the bottom has no Net worth record behind it and can't be imported to until it does.
Conditional rules
Rules that combine a category, group, card, description text or amount to set the category, group, or Need/Want automatically on import — e.g. "Transport spend on ••5178 → category Petrol (Mag)". They run after merchant-text rules, top to bottom; a later rule can override an earlier one on the same transaction.
Learned categorisation rules
Built automatically from transactions you've categorised and tagged Needs/Wants. Change the Need/Want dropdown or remove a rule if it starts matching the wrong thing.
Learned income recognition rules
Built automatically from income transactions you've committed from a bank import. A confident match sets an incoming statement row straight to Income under the matching source (which in turn picks up that source's linked account, if it has one) — remove a rule below if it starts matching the wrong income line.
Learned exclusion rules
For spending that's already recorded elsewhere in the app, where importing it as well would count it twice — a mortgage payment set out in a property's monthly rent and costs, say, which the statement shows again as a debit. A row matching one of these arrives marked Excluded and unticked, so it's visible but never applied. Bulk assign → Exclude adds a rule here; scope one to a single account if the same text means something different elsewhere.
Linked account adjustments
Every balance nudge that came from the Income tracker or a property's Monthly rent & costs table, rather than from a bank statement — the manual-entry counterpart to Import history below. A typed edit can be undone here without touching the figure it came from; an automatic Mortgage-row entry is read-only — change it by relinking the account for that month instead.
Import history
One entry per bank statement you've imported, newest first. Open an entry to see every transaction that came in on it — expenses, income and transfers alike — and delete any single one, or the whole import at once. Because each transaction sits under the statement it arrived on, several banks' statements for the same month stay easy to tell apart.
Future expense envelopes
Create sinking funds, plan a monthly set-aside for each month, and track what you've actually contributed against the target.
Log what you actually set aside each month. Progress, pace, and whether you're on track for the target date are worked out for you.
Everything across the app that is waiting on you, in one place. Open a group to see what is in it; each line has its own button to go and fix it.
Unclosed months
Net worth
Rates as of —
Net worth over time
Asset allocation
Banks & accounts
Add as many banks as you like; each can hold current, savings, ISA, ETF, shares, Premium Bonds, pension drawdown, or pension lump sum accounts.
Property
Read-only here — pulled straight from the Property section so you only ever enter a property once.
Loans & debts
Property mortgages sync in automatically; everything else — car loans, credit cards, personal loans — you add here.