Private, offline budgeting — no spreadsheet required.
Where your income goes
income allocationPlanned vs actual
by group50 / 30 / 20 rule
needs · wants · savings & debtWhat-if
try changes without savingPick a report, then print it or save as PDF to share.
Add every source of monthly income.
Set a planned amount, then log actual as you spend. Aim to make “Left to budget” zero.
Bills calendar
Unpaid bills are highlighted on their due day · paid ones are crossed off · today is ringed. Tap a day to edit bills.
Track recurring bills and tick them off as paid. Due day is the day of the month.
Each income from the Income tab is a paycheck. Assign every expense to the income that pays for it — or split it evenly.
Track goals and sinking funds (holiday, car, emergency fund).
Payoff order:
What you own.
What you owe.
A 12-month log that builds up as you go — it doesn't fill in past months. Each month is saved when you Capture this month or Roll over.