◈ Dashboard

Your financial command centre. Select a month from the dropdown to view KPI cards, charts, and Smart Insights for that period.
• Income vs Expenses — bar chart comparing totals
• Spending by Category — donut chart of expense breakdown
• Monthly Balance Trend — 6-month net balance line chart
• Smart Insights — automatic alerts based on your data

↑ Income

Log every income source. Enter both Expected and Received amounts to track variance. Filter by month or category. Use ✎ to edit, ✕ to delete.

↓ Expenses

Record every purchase. Classify each as Need (essential) or Want (discretionary) to understand your spending habits. Filter by month, category, or type.

◫ Monthly Budget

Set spending limits per category at the start of each month. Progress bars show actual vs planned in real time.
• ⚠ badge — spending reached the warning threshold (Settings)
• Over badge — budget exceeded
• Copy Last Month — reuse previous month's plan

◷ Bills

Track recurring bills and due dates. Click the Paid / Unpaid badge directly in the table to toggle status. Overdue unpaid bills appear as a red alert at the top.

◎ Savings Goals

Create goals with a target amount, deadline, and monthly contribution. The progress bar and estimated months-to-completion update automatically as you edit the Current Saved field.

◐ Debt Payoff

After each payment, edit the debt and reduce Current Balance by the amount paid. The app calculates total paid and months remaining automatically. Log payments in Expenses under the Debt category for a full record.

◻ Subscriptions

List all recurring services. Yearly and quarterly amounts are automatically converted to a monthly equivalent. Mark services as Worth It / No / Review and set an action to identify subscriptions to cancel.

◑ Sinking Funds

Save monthly for planned future expenses (car maintenance, gifts, holidays). Update Saved So Far each month to track progress toward the goal date.

◯ No-Spend Challenge

Set a challenge month and savings goal, then click each day cell to cycle through: ✓ Success → ✗ Spent → blank. The streak counter updates automatically.

◈ Weekly Check-In

Log a brief review every Sunday. Record how much you spent, your biggest expense, whether you're on track, and one win for the week. Cards are sorted newest-first.

⚙ Settings

• Currency — changes the symbol app-wide
• Theme — Quiet Luxury / Dark / Bright Light
• Monthly Savings Target — used in Dashboard insights to evaluate your savings rate
• Budget Warning Threshold — percentage at which a ⚠ badge appears on budget bars
• Expense / Income Categories — add or remove categories (cannot delete if in use)

⊡ Export & Backup

• Full Backup — exports all data as a JSON file. Import it later to restore.
• Income / Expenses CSV — exports records for use in Excel or Google Sheets.
• Yearly Overview CSV — exports the annual summary table.
• Print Report — generates a full financial summary in a new window.

⚠ Always export a backup before importing a file — importing replaces all current data.