Try the example firstThese numbers are made up, so you can safely explore the rent, goals and balance.I already have a planner
Want your backup to take care of itself? Pick a file once, and every change saves into it by itself.
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Right now · one thing only
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While you were away
It’s been a few weeks.Three quick things and your numbers are right again.
Safe to spend today
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Until—Remaining—
In checking
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Arrived after that balance
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Bills still to land
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Paid and spent after that balance
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Already set aside
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Held back for goals
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Safe until payday
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Three small things
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By account
safe until payday, account by account
Brain dump
Not money. Just yours.
Coming up
The month so far
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Went out
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Came in
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Went out
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Kept
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Every day this month
—today—
Run to payday
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—today—
Safe until payday—
Each day from here—
Ahead by—
Milestones
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The month
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Every day this month
still to paymoney inalready paid
Days with a bill, a payday or logged spending are marked.
Mon
Tue
Wed
Thu
Fri
Sat
Sun
each day from here—
Notes
no notes kept
notes stay with the month — they never change the numbers
Kept notes
At a glance
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Came in
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Went out
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Kept
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Still yours
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What’s happening
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nothing here was a surprise
Settings
How this works
saved on this device, and yours to back up
A calm start
Four small steps, then the useful number appears.
0 of 4
Nothing here is yours yet — these numbers are made up. Your own file starts with the same four steps.
Make it yours
saved as you type
Add the name you want to see and give this planner a title that feels like yours.
shown in your planner — leave it blank to show Your planner
for example: My calm money plan or Family budget
Your money
saved as you type
Two numbers do most of the work.
type it from your bank — this planner never connects to your bank
money in checking that is already spoken for
roughly is fine — it only shapes the forecastpaychecks live in the Paydays card below while more than one is on
changes the mark and the decimals, not the maths
Bank accounts
nothing is deleted when you switch back
Most people keep one. Turn this on if your money lives in more than one place.
Use separate accounts when different bills or spending come from different places. You choose the account when you add a bill or log spending. This planner never connects to your bank — you type the balances.
Spending accounts count toward safe to spend. Savings accounts are listed, not counted. Bills and logged spending can name the account they come from.
Payday
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Everything is measured to your next payday.
How does money usually come in?
Different amounts or different schedules are okay — monthly pay plus a bi-weekly paycheck, or two earners paid on different days.
no rhythm? type each payday below as you learn it. Until you do, the planner counts to the end of the month
1 to 31
put 31 for the last day of the month
any one real payday — the rest follow from it.pay does not have to land on the 1st. Use the date the money actually arrives.when it passes, come back and put in the next one. Until then the planner counts to the end of the month.
benefits and a lot of employers pay on the Friday before
One budget, several paychecks. Each one keeps its own name, amount and schedule. The planner works toward whichever lands next — you never make a second budget.
How much to show
nothing is deleted
Simple keeps the everyday screens close. Everything included adds Money in, Debt, Envelopes and Milestones.
Kinds of spending
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These are the chips on Log a spend. Rename them to match your life —
anything already logged comes with them.
Appearance
two coordinated themes
The same colour meanings on cream paper or by lamplight.
What to call the big number
wording only
The name above the big number on Today. Pick whichever one your brain reads correctly. The number is worked out the same way whichever you choose.
This pay period
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Safe until payday—
Per day until payday—
In checking—
Bills still to land —
Set aside and already spent—
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Envelopes
caps, not reservations
Over a cap? No shame, just information — the money was already counted once.
Your data
Your planner saves on this device first, in the browser’s own storage. A browser can clear that storage — Safari does it after about a week of not opening the planner — so a backup file is the copy that survives.
This copy is open in Safari. Safari deletes a website’s saved numbers after about a week of not opening it. Adding the planner to your Home Screen (or Dock on a Mac) stops that.
Your first backup has not been downloaded yet.
Erasing takes every number off this device. No undo — download a backup first.
Bills
Every bill you owe
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Still to go out
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Soonest first
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Add a bill
repeats every month
roughly is fine
most bills are once a month
1 to 31
it keeps repeating from this day
it happens on this day and no other
1 to 31
put 31 for the last day of the month
2 to 12 — 3 for every 3 months, 6 for twice a year
it keeps repeating from this daythe planner holds back a share every month, so the money is already there when it landsalready paid this one? take that payment off your spending log — the bill carries it now, and it should not be counted twice
the account this comes out of
Does this bill come off a credit card?
Add it there and it appears here as somewhere to pay from.
A subscription that comes off a card — Netflix, Spotify — belongs here. Choose the card under Paid from.
Already logging each card purchase as you go? Then do not add the card’s own monthly payment as a bill as well, or the same money is counted twice. Put that payment on Debt, with Record a payment.
Money in
Everything else that turned up
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Arrived this month
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Still to come
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Later
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Newest first
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Put down money in
one amount, one day
Regular pay is set up in Settings and lands here when Today asks about it. This is for everything else.
whatever you call it
roughly is fine
today, or a day you expect
where it lands
tick it if you have checked your bank since it landed
Goals
What you are saving for
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Put away so far
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Still to find
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Nearest date
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Every goal
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Add a goal
name, amount, pace
roughly is fine
its ring, dot and bar wear it
Debt
Paying it down
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Still owed
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Left for debt
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spending with no envelope is not in this plan — give it an envelope and it is
Which one first
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Add a debt
a loan, or a credit card you still use
as you call it
purchases and bills you put on it are added to what you owe
today's balance
the APR — empty means no interest
what actually leaves
how often that payment leaves
optional — puts it on your calendar
optional — puts it on your calendar
optional — puts it on your calendar
31 means the last day
give it the day it comes out and it appears on your calendar with your
bills, ready to tick off — the money is held out of safe to spend once, and marking
it paid brings the balance here down by itself
Envelopes
What each kind of spending gets
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Left across every envelope
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Spent
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In caps
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Every envelope
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a cap is a line to notice, not a wall — nothing here moves or reserves money
Not in an envelope
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Add an envelope
name, spending, cap
any colour you like — its tag, its bar and its chip wear it
Every screen of the planner gets its own colour below.
Each card is one thing you will see there, and what to do with it. The same
words are behind the little question marks inside the app, so you can read
them here or there.
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Go to a screen
Start typing the name of a screen. Shortcut: type an amount and a category — 250 groceries — to log a spend without leaving this box.
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How much actually went out?
the planned figure is filled in; change it if the real bill was different
This only changes what comes off your balance for this one payment. The bill itself, and the share put aside each month, stay exactly as they are. Typed it wrong later? Untick the bill and tick it again. Not sure? Close this and the bill stays unpaid.
Was this already out?
Yes is right when the bank showed that balance after the bill had gone. Not sure? Close this and the bill stays unpaid. Nothing changes, and the number reads lower rather than higher.