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Household Finance App
Overview
A quick look at where things stand -- your real balance, what's coming up, and what's worth a second look. Nothing here is editable; use the other tabs for that.
Upcoming bills (next 14 days)
No bills tracked with a due date in the next 14 days.
Recent large purchases
Transactions over $750 from the last 30 days -- the everyday stuff (groceries, gas, the usual bills) is left off since it isn't usually worth a second look here.
Date
Description
Amount
No purchases over $750 in the last 30 days.
Typical monthly spending
Your top 5 everyday spending categories, averaged from your full transaction history and shown as a monthly figure. See the Forecast tab for the full breakdown.
Category
Typical monthly spend
Not enough transaction history yet to estimate typical spending.
Savings goals
No savings goals set up yet -- head to the Savings Goals tab to start one and track your progress here.
Accounts
No accounts yet. Add one below to start importing transactions.
Categories
Categories
No categories yet. Add some below before assigning categories to transactions or setting budget targets.
Automatic categorization rules
If a transaction's description contains the text below, it's automatically assigned to the category you pick -- no need to categorize the same merchant by hand every time it shows up in an import. This never overwrites a transaction that already has a category.
Apply rules to existing uncategorized transactions
Runs your rules above, once, against every transaction that doesn't have a category yet. Transactions that already have a category are never touched.
Import transactions
Match your file's columns
These are the column headers found in your file. Tell the app which one is which.
Preview
Date
Description
Amount
This is a best-effort reading of the statement. Check each row, fix anything wrong, delete anything that isn't a real transaction, and add a row for anything missed, before importing.
Date
Description
Amount
Amazon orders
Amazon order emails, captured automatically, wait here until matched to a real bank transaction. Nothing is ever matched without confirming it below.
Waiting to be matched
Needs review (unrecognized sender)
Transactions
No transactions to show.
Date
Description
Amount
Category
Savings Goal
Recurring charges
Scans your transaction history for charges that repeat on a regular schedule -- subscriptions, memberships, bills, or anything else that happens over and over. The amount doesn't need to stay the same (a utility bill won't), so review the list and only save what you actually want tracked.
possible recurring charge(s) found
Review each one below. Uncheck anything that isn't really recurring, fix the frequency or amount if needed, then save the rest.
Description
Frequency
Amount
Range seen
Seen
Next expected
Tracked recurring charges
No recurring charges saved yet -- scan above to find some.
Description
Frequency
Amount
Next expected
Status
Upcoming bills
Bills expected soon, calculated from your tracked recurring charges and your actual transaction history -- not from a date saved once and never checked again. A bill flagged "may have changed" hasn't shown up on schedule under the description this app expects; check whether it's still charging under a different description before assuming it stopped.
Low-balance alert
Set a dollar amount. If your balance is below this, or an upcoming bill would take it below this (or below zero), you'll see a warning below.
No active recurring charges tracked yet -- add some from the Recurring charges section above to see them here.
Description
Frequency
Expected amount
Next due
Budget
Fixed vs. discretionary spending
Mark each expense category as Fixed (utilities, phone -- costs that don't really move month to month) or Discretionary (dining out, Amazon, clothes -- spending you can choose to cut back on). This is what "Suggest a budget" below uses to decide which categories to trim.
Set category targets for
Category
Kind
Suggested
Target amount
Overview for
Category
Target
Actual
Remaining
Free trials
Log a free trial by hand -- there's no real charge yet for the app to find on its own. Once you notice real charges starting under the same name (check the Recurring tab), come back here and mark it converted so it stops being tracked as a trial.
No free trials logged yet.
Cash-flow forecast
A day-by-day projection of your account balance, built from your real current balance, every occurrence of your tracked recurring charges expected in the window below, and your typical everyday spending (see the breakdown below) -- not just subscriptions and bills.
Typical everyday spending (daily and monthly)
Cutoff for large transactions
A single transaction larger than this amount, in either direction, is left out of the everyday averages above -- a one-time tax refund or an annual insurance payment shouldn't be spread across every future day as if it happens daily. It's still shown below, not hidden.
Not included in your daily averages
If one of these repeats regularly rather than being a true one-time event, consider registering it as a recurring charge in the Recurring tab -- the forecast can track a real repeating amount far more precisely than any average.
Charges that may have changed
These recurring charges haven't shown up on schedule, so their future dates in this forecast are a guess. Review each one and choose whether the forecast should keep projecting it forward or leave it out until it charges again for real.
Date
Balance
What's expected that day
Debt payoff planner
Track what your household owes, then compare two payoff strategies: snowball (smallest balance first) and avalanche (highest interest rate first).
Your debts
No debts tracked yet. Add one below to see your payoff plan.
Add a debt
Monthly extra payment
Beyond every debt's minimum, how much can your household put toward debt each month? This amount is shared by both strategies below.
Payoff plans
Tax-prep export
Pull every transaction from a chosen tax year that falls under a category you've marked tax-relevant, with a summary total per category. Nothing here changes any transaction -- this only reads and organizes what's already in your data.
Tax-relevant categories
Check every category that should be included in a tax export (for example: Medical, Charitable Donations, Mortgage Interest). Unchecked categories are left out of every tax export, even if they have transactions in the chosen year.
Generate export
Category totals
Category
Kind
# Transactions
Total
Transactions
Date
Category
Description
Amount
Savings goals
Track what you're saving for. Flag real withdrawals toward a goal from the Transactions tab -- progress here is always the real total of what's been flagged, and the projected date recalculates automatically, including while a goal is paused.
No savings goals yet. Add one below to get started.