Welcome
This is an offline budgeting app inspired by your Excel models. Your data is stored in your browser (localStorage) and can be exported/imported as JSON.
How to use
- Setup – Configure global settings, carry-over rules, manage master groups & categories, define fee presets, budgets, and financial goals.
- Accounts – Add/edit accounts, enable automatic fee rules, and view balances plus debt snapshots.
- Envelopes – Create envelope budgets, track remaining amounts, and reallocate funds between envelopes.
- Transactions – Capture income, expenses, savings, link to accounts/envelopes, and optionally ignore auto fees per entry.
- Monthly Dashboard – Review KPIs, zero-based summaries, carry-over tables, top categories, envelopes, and monthly notes.
- Annual Dashboard – Inspect yearly trends for income, expenses, and savings, including rate metrics.
- Main Dashboard – Slice data by year/group/category/account for custom trend & breakdown views.
Data safety
- All data is stored locally in your browser.
- Use Export Data to download a backup JSON file.
- Use Import Data to restore from that file.
Setup & Lookups
Define your global settings, groups and categories, and budgets.
Global Settings
Carry-over Settings
Envelopes carry unused balances (and optionally overspend) forward to the next month for expense & savings groups.
Currencies & Exchange Rates
Base/reporting currency: . Rates are entered relative to the base (base is always 1).
| Currency | Rate vs Base |
|---|
Zero-Based Budget Summary
Planned Income
Planned Outflow
Unassigned
Status
Planned income and outflow are taken from your Budget Matrix by group type.
Envelope Snapshot
| Envelope | Budget | Spent | Remaining |
|---|
Master Lists (Groups & Types)
Types
Groups
Categories
Fee Presets / Charge Profiles
Define reusable tariff tables for common providers and apply them to accounts with one click.
| Name | Account Types | Ranges |
|---|
Budget Matrix (by Group & Month)
| Year | Month | Group | Category | Budget |
|---|
Budget Templates
Save and reuse monthly budgets as templates.
Existing Templates
| Name | Description | Entries | Created | Updated |
|---|
Financial Goals
Define savings or payoff goals and link them to groups and categories so progress updates automatically from your transactions.
| Goal | Target | Group | Category | Progress | % Complete |
|---|
Accounts
Manage the accounts you spend from or save into.
Add / Edit Account
Total Current Balance
Sum of all account balances.
Accounts Overview
| Name | Type | Balance | Last Updated | Notes |
|---|
Zero-Based Budget Summary
Planned Income
Planned Outflow
Unassigned
Status
Planned income and outflow are taken from your Budget Matrix by group type.
Balance Distribution
Net Movement by Account (This Year)
Debts Snapshot
Accounts with negative balances or type "Credit Card" are treated as debts.
| Account | Type | Balance | Notes |
|---|
Monthly Review Notes
Capture reflections, anomalies, and decisions for the selected month.
Envelopes
Allocate monthly budgets into envelopes and move planned money without touching account balances.
Add / Edit Envelope
Envelope Summary
| Name | Budget | Spent | Realloc In | Realloc Out | Remaining | Status |
|---|
Envelope Reallocation
Move funds between envelopes. These entries only adjust envelope balances, not actual cash.
| Date | From | To | Amount | Note |
|---|
Automatic Envelope Funding Suggestions
Based on this month's envelope balances, these suggestions move funds from envelopes with surplus to envelopes that are overspent.
| From Envelope | To Envelope | Amount | Reason | Apply? |
|---|---|---|---|---|
| Click "Generate Suggestions" to see proposals for the selected year and month. | ||||
Transactions
Capture income, expenses, and savings.
Add Transaction
Transactions List
| Date | Desc | Type | Group | Category | Envelope | Account | Amount |
|---|
Monthly Review Notes
Capture reflections, anomalies, and decisions for the selected month.
Statement Import (MPesa & Banks)
Import MPesa or bank statements from CSV or PDF and turn them into transactions.
Preview
Select rows to import. Duplicate rows are disabled automatically. Detected format is shown per row.
| Date | Description | Source | Amount | Balance | Status |
|---|
Bills & Due Dates
Manage recurring and one-off bills, track due dates, and mark bills as paid.
Add / Edit Bill
Bills List
| Name | Next Due | Frequency | Amount | Account | Group/Category | Status |
|---|
Recent Bill Payments
| Date | Bill | Amount | Account | Linked Tx | Notes |
|---|
Monthly Dashboard
KPIs and breakdown for a selected month.
Total Income
Total Expenses
Net
Utilization
Bills Summary
Due This Month
Paid This Month
Overdue
Upcoming (7d)
Zero-Based Budget Summary
Planned Income
Planned Outflow
Unassigned
Status
Planned income and outflow are taken from your Budget Matrix by group type.
Monthly Insights Summary
Get an automatic written summary of this month's budget performance.
Click "Generate Summary" to see an automatic overview for the selected month.
Actual vs Budget by Group
| Group | Actual | Budget | Variance | % of Budget |
|---|
Top Expense Categories
Carry-over Envelopes (by Group)
| Group | Opening Balance | This Month Budget | Available | Actual Spend | Closing Balance |
|---|
Monthly Review Notes
Capture reflections, anomalies, and decisions for the selected month.
Annual Dashboard
Income, expenses, and savings trends over the year.
Total Income (Year)
Total Expenses (Year)
Net (Year)
Savings Rate
Monthly Income vs Expenses
Savings by Month
Main Dashboard
Filter by year, group, category, and account.