Setup

Build the system

Map the money that moves every month. We'll do the rest.

Income

Salary, contracts, anything that lands monthly. Adjust per month later if needed.

Fixed Costs

Rent, utilities, subscriptions, insurance. The fixed monthly outflow.

Variable Costs

Categories you want a target for: groceries, fuel, eating out, personal. Set a monthly cap.

Debt Payments

Credit cards, loans, anything you're killing off. Balances drop as you mark payments paid.

Savings

Money you're moving toward emergency fund, future buys, milestones. Updates goals automatically.

Reserves

Funding known costs ahead of time: car maintenance, annual insurance, gifts. No surprises.