Load your bank export, fix pending rows, then open the dashboard.
Load Expenses
Click to load your bank export (.xlsx)
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Expense Results
0 categorized0 pending0 conflicts
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FromTo
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Date
Description
Amount (€)
Category
Status
Del
Rules
Categorisation rules
An expense is auto-categorised when exactly one active rule matches it. If several rules match the same expense, it is flagged as a conflict for you to resolve.
Rules 0
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No rules yet. Click "+ New Rule" or import an xlsx file.
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Dashboard based on partial data
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Dashboard
Overview
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Needs attention
Group spend
This month vs your budget, or your usual if no budget set.
Regular charges
Predicted next charge, soonest first.
Spending trend
Monthly spend vs your average${''}. Income line appears once set.
Opportunities to save
Ranked by estimated monthly impact.
Needs review
Transactions worth a second look.
Avg Monthly Spend
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Variable / Reducible
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Latest Month
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Recurring Commitment
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Where your money goes
Spending by category
Grouped by topic. Untick a category or a whole group to simulate cutting it and watch the total. Groups & fixed flags: ⚙ in the sidebar.
Total spend · avg / month
€0
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Adjusted (ticked only)
€0
Potential saving
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Top merchants
Where the money actually goes, by vendor (parsed from the description).
Trends over time
Monthly spending
Total spend per month. Stacked shows the category mix.
Category movers
Recent 3 months vs your longer-term average. Rising categories are where costs are creeping up.
Where you can save
Recurring & subscriptions
Charges that repeat monthly — the classic place to trim forgotten subscriptions.
Detected total
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Savings targets
Set a monthly target on your flexible categories. Red = over, green = under.
Biggest transactions
Your largest single expenses in the period — worth a sanity check.
Detail
Transaction Table
All categories▾
Date ↕
Description
Amount (€) ↕
Category ↕
Context Notes
One fact per line — each renders as a "Personal context" card in the insights below. Bullet points (- …) supported.
Key Insights
Test Rule
Settings
Google Drive sync
Everything is encrypted in this browser before it is uploaded. Google stores one file of ciphertext and never sees the passphrase, the merchant names or the amounts. Both computers use the same shared passphrase.
Passphrase
The passphrase is the only thing protecting your data, and it exists nowhere except your heads and your password manager. If you both forget it, nothing can recover the data — not Google, not this app. Keep an unencrypted full backup (below) somewhere safe.
This device
A label stamped on your edits so you can tell which computer last changed something. Stays on this device.
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Backup
One unencrypted file containing everything: expenses with their categories, manual picks and deletions, rules, categories, notes, and budget targets. This is your escape hatch if the passphrase is ever lost — keep it somewhere you trust, and never upload it anywhere. Restoring replaces all current data (your current state is exported first).
Income (optional)
Add your typical monthly net income to unlock savings rate and the income line on the Overview. Leave blank to stay expense-only — nothing else depends on it.
Monthly net income
€
Manage categories
Give each category a group (type a new one or pick an existing) and tick the ones that are fixed commitments. These drive the grouping and the fixed/variable split across the dashboard.