Personal Finance Command Center

What's inside

• Start HereYour welcome page: a 6-step setup checklist, how the tabs fit together, a guide to every tab with clickable links, and the color legend.
• DashboardToday at a glance: income and spending this month, what is safe to spend until payday, bills due in 7 days, your emergency fund, total debt with a debt-free date and your net worth. Lists show the bills due soon, the categories over budget and the goals that are behind, and two charts show spending by group and net worth by month.
• Paycheck PlanPick a pay period and see what comes in, which bills it must cover, what renews, what to set aside for savings and debts, and what is safe to spend. A strip shows your next 6 pay periods.
• Monthly BudgetPick a month and see your plan against what you actually spent, by group (Needs, Wants, Savings, Debt) and by category, with flags for Over and Watch, planned and actual income, left to assign and your savings rate.
• PaychecksA year of paydays for you and a partner, filled in from the pay frequency and first payday on Settings. Type what actually landed in Actual, tick Received, and see the pay period each paycheck covers.
• BillsEvery recurring bill with its amount, how often it is due and a date it was or will be due. The next due date, days left and a status (Due soon, Due today, Overdue or Paid) work themselves out.
• Bill CalendarA month calendar showing the bills due each day by name (up to two, then +N more) with the day's total. Paid days turn grey and unpaid, past-due days turn red. The month's bills are also listed in date order.
• TransactionsEvery dollar in, out and moved: income, expenses, transfers, debt payments and savings, each with a date, category and amount. Tag a payment with its bill, savings goal or debt. A Check column says what is missing.
• BudgetYour monthly plan for each category, with this month's spending, what is left, the percent used, a flag when you are over or close, and your 12-month average. 24 starter categories are included.
• Savings GoalsYour emergency fund, sinking funds and goals with a target, a target date and a monthly plan. Saved, percent done, months left, the amount needed per month and an on-track status work themselves out, with a progress bar.
• DebtsEvery card and loan with its starting balance, APR and minimum payment. The balance now, the payoff order and the payoff date work themselves out from your logged debt payments.
• Debt PlanChoose Snowball or Avalanche, add an extra monthly payment and see your debt-free date, the total interest and the interest you save.
• Debt ScheduleThe month-by-month plan until you are debt-free: the payment, interest, principal and balance for every month, up to 30 years.
• SubscriptionsEvery subscription with its cost, how often it renews and a decision (Keep, Review or Cancel). Monthly and yearly cost and the next renewal date work themselves out, and a tile counts the renewals due in the next 30 days.
• Net WorthYour assets, liabilities and net worth month by month, with a chart. Each account counts its latest balance on or before each month's end.
• AccountsEverything you own and everything you owe, one row each, marked as an asset or a liability, with its group and latest balance.
• BalancesEach account's balance, logged whenever you check in: once a month is plenty. Net Worth uses the latest balance on or before each month's end.
• YearPick a year and see every category by month against your plan, with income, money out, savings and your savings rate for each month.
• SettingsSet up once: your household name, each earner's pay frequency, first payday and typical pay, how many days ahead a bill is flagged, and your category list with each category's group.