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1

Right now · one thing only

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Safe to spend today

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Three small things

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    Coming up

      The rest of the month where it went, the run to payday, milestones

      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

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        Run to payday

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        • Left to last—
        • Each day from here—
        • Ahead by—

        Milestones

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          saved on this device

          The month

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          Every day this month

          still to pay money in already 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

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              saved on this device

              Settings

              How this works

              everything here stays on this device

              Your money

              saved as you type

              Two numbers do most of the work.

              just for the greeting — leave it blank if you would rather not

              type it from your bank — nothing is ever synced

              money in checking that is already spoken for

              roughly is fine — it only shapes the forecast

              changes the mark and the decimals, not the maths

              Payday

              —

              Everything is measured to your next payday.

              irregular pay still works: the month is used instead, and the screen says so

              any one real payday — the rest are worked out from it

              Appearance

              Pick the look. It changes only the colours — everything stays where it is.

              This pay period

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              • Safe to spend—
              • Per day until payday—
              How this number was worked out

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                Spending categories

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                These are the chips in the logger. Rename them to match your life — anything already logged comes with them.

                  Envelopes

                  caps, not reservations

                    Over a cap? No shame, just information — the money was already counted once.

                    Your data

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                    This file, this device. Nothing is uploaded, ever.

                      The backup is the whole file and restores everything. The CSV is your spending only — for a spreadsheet, not for restoring.

                      Erasing takes every number off this device. No undo — download a backup first.

                      • —
                      • saved on this device
                      no account, no subscription

                      Must-pays

                      Every bill you owe

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                      Still to go out

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                        Soonest first

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                          Add a must-pay

                          bills, subscriptions, anything regular

                          roughly is fine

                          1 to 31

                          most bills are monthly

                          • —
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                          saved on this device

                          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 lives in Settings. This is everything else.

                            whatever you call it

                            roughly is fine

                            today, or a day you expect

                            tick it if you have checked your bank since it landed

                            • —
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                            saved on this device

                            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

                            • —
                            • —
                            saved on this device

                            Debt

                            Paying it down

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                            Still owed

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                            Add a debt

                            three numbers off the statement

                            as you call it

                            today’s balance

                            the APR — empty means no interest

                            what actually leaves

                            a payment only comes out of safe to spend once it is linked to a must-pay

                            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

                            Add an envelope

                            name, spending, cap

                            • —
                            • —
                            saved on this device

                            Milestones

                            Things that already happened

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                            Reached so far

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                            Every milestone

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