Share of income
Bars show actual spend and savings so far; dashed markers show what you planned. Savings is calculated — whatever's left after expenses and envelopes.
Needs, Wants & Savings
Actual spend split against your target rule. Dashed markers show each target — set them on the Income screen.
Income sources
Budgeted vs actual. Bars turn red where income fell short.
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.
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.
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
Upload a bank or card statement as CSV, Excel or PDF, or paste transaction lines directly. Every line is included — including negative amounts — and matched to an expense category automatically, using rules learned from what you've categorised before. Files that already include Group, Category, or Need/Want columns are recognised and filled in automatically; you only need to review anything new.
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.
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.
Import history
All transactions applied to actual spend so far.
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 left over lands here. Its budgeted figure is the surplus your plan expects — income less budgeted expenses and envelope funding. Its actual figure is what really remained once your logged spending was taken off, so any month you come in under budget automatically adds to it. This envelope is calculated, not entered, so there's nothing to fill in.
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, or pension 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.