🏠 The Home Screen
A calm, elegant lobby with your logo and quick-access buttons. On a PC, the top navigation bar stays visible. On a phone, a slide-out drawer does the same. Simple, predictable, and out of your way.
📈 Dashboard — Your Month at a Glance
The page you’ll live in. Every category gets a progress bar that fills with color as you spend — green (under budget), yellow (watch it), red (over). A thin pace line shows whether you’re trending ahead or behind for the month, so you can adjust before the overspend happens.
💼 Income — All Your Money In
Add every source of income: salaries, Social Security, pensions, IRA withdrawals, freelance, dividends. Monthly totals and an auto-calculated annual projection.
🛒 Expenses — Smart CSV Import
Two ways to log spending: manual (with a vendor autocomplete that remembers past entries) or CSV import (upload any bank or credit-card statement — the app auto-detects columns and applies your Vendor Rules).
Smart category memory: every time you pick a category for an unfamiliar vendor, the app remembers it. The more you import, the smarter it gets.
🔁 Auto Debits — The Stuff That Just Happens
Mortgage, insurance, streaming, cell phone — bills that don’t need line-by-line tracking. Split into Credit Card direct debits (Netflix, Hulu) and Bank direct debits (mortgage, utilities). Totals flow into the Dashboard and Big Picture so nothing gets missed.
📄 Reports — Share or Archive
Multiple reports at one click: Monthly Summary, Year-to-Date, CC Forecast, Vendor Totals, Vendor Drilldown, Expense List, and Category Totals. Print each as a PDF or email to any address — the email version uses bulletproof HTML so the color progress bars display correctly in Gmail and Outlook.
🧾 Income Taxes — Planning Reserve
Estimate how much to set aside each month for taxes. Planning math only — a prominent disclaimer reminds you this isn’t a tax return. The output feeds your Tax Reserve so April 15 never sneaks up on you.
🔭 The Big Picture — Cascading Cashflow
The custom math that shows exactly what happens to every dollar: Income → Expenses → Reserves → Auto Debits → Remaining in Checking. The page that tells you whether you can afford that weekend trip or whether to sit this month out.
⚙️ Setup — The Foundation
Configure once, rarely touch again. Five small tabs: CC Categories, Vendor Rules, Links (bookmarks to your bank portals), Reserves, and Backups (one-click export + auto-save).
📚 Help — Always One Click Away
Every page has a small “?” button that opens a mini-manual for just that screen. The full User Manual is available from the top navigation anytime — with screenshots, detailed steps, and print / export options.
Three More Screens We’re Excited About
Every feature above has been battle-tested for months. These three are the freshest coats of paint — and one of them might be the reason you switch.
🧺 Sales Tax Center NEW
Opt in with one tap. Pick your state from the preset chips (Washington 9.4%, Texas 8.2%, Florida 7.0%, Nevada 8.2%, Tennessee 9.6%, South Dakota 6.4%, Wyoming 5.4%, Alaska 1.8%) or type any rate. Instantly, a small Sales Tax field appears on the Add Expense form. Enter the tax portion, or tap Estimate to auto-fill using your default rate. The app rolls it up automatically by month and vendor.
Already have a year of imported data? The Back-Fill tool retroactively estimates sales tax on every existing expense row using your rate. Preview first (dry-run), then commit — hundreds of rows updated in seconds.
Why it matters: Live in Washington, Texas, Florida, Nevada, Tennessee, South Dakota, Wyoming, or Alaska? The IRS lets you deduct sales tax in place of state income tax on Schedule A. Most people take the “standard table” estimate. With this, you can defend the real number.
Live in Oregon, Delaware, Montana, or New Hampshire (no sales tax)? Leave it off — the feature stays completely out of your way. Includes a print-ready year-end worksheet so tax prep takes minutes, not weekends.
🏷️ Vendor Manager NEW
Every distinct vendor in your history — count, total spent, average — laid out on one clean screen. Rename messy CSV strings like “SQ *STARBUCKS #4482 SEATTLE WA” to just “Starbucks”, and every past expense updates in one tap.
Merge duplicates. Delete typos. Optionally auto-create a Vendor Rule so future imports land clean without you touching them.
📈 Category Report by Account NEW
Pick a category (or ten with multi-select). Pick accounts. Pick a date range. Get a clean, printable breakdown of exactly what hit each bucket, with vendor-level drilldown.
The report we built after we ourselves asked, “How much did we really spend on groceries this year?” — and realized every other budgeting app makes you export to Excel to find out.
That’s the whole thing.
Thirteen real screens, built to work together. Nothing hidden behind a paywall. Nothing missing from a “free trial” that costs extra later. Just a solid tool that does exactly what it says.
The latest updates
Recent improvements now live in the app — here’s what changed since the last update.