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Sign in to sync your plan to the cloud (magic link). The free synced tier caps total income at €1,200/mo. Premium (€6.99/mo) removes the limit and adds integrations.

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Your month (EUR)

Income

Free sync: total income (base + extras) max €1,200/mo. for a higher amount.

Regular salary or default monthly take-home. Add one-off or variable pay below.

e.g. tournament prize, extra weekly pays, bonus — each line adds to your total for this plan.

Extra income subtotal: €0

Must pay (monthly)

Add recurring costs. Use the category dropdown; “Other (describe)” adds a custom label.

Total must-pay: €0

Pay yourself first

What’s left after must-pay and subscriptions is split between savings, investing, and (below) life spending. The numbers under your inputs update as you type.

  • Income after must-pay & subscriptions €0
  • Pay-yourself total (savings + investing) €0
  • Left after pay-yourself €0

Use this last line for your life spending targets in the next section (and buffer). If it turns red, savings + investing are more than what’s left after must-pay and subscriptions.

Life spending (targets)

Targets here are capped by what’s left after: income, must-pay, subscriptions (Subscriptions tab), and pay yourself first.

Premium (€6.99/mo) unlocks an advanced layout and your own life categories below. Subscribe under the banner or in Settings.

Your categories (Premium)

Add any labels you like (kids, travel, pets…). They count toward your life spending total and daily log comparison.

Life spending pool (how it’s calculated)

  • Total income €0
  • − Must-pay total €0
  • − Subscriptions €0
  • − Savings (pay yourself) €0
  • − Investing (pay yourself) €0
  • = Life spending pool (max for buckets) €0
  • Your five targets (sum) €0
  • Headroom in pool / over €0

If “over”, lower a bucket or increase income / reduce must-pay, subscriptions, or pay-yourself.

Quick fill:

Presets round to €25 steps and use your current income and must-pay totals.

Daily log, to-buy list & life spending plan

Your life spending total (sum of the five targets above) is compared to the Daily tab month-to-date log. To buy items you mark as bought come out of unassigned money in the pool (pool for life minus those five targets), not out of the bucket total itself.

Optional context

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Subscriptions

Add fixed monthly services (streaming, phone, software, etc.). Totals here count like must-pay: they reduce what’s left for savings, investing, and life spending on the Monthly plan tab.

Subscriptions total: €0

Daily spending

Use this tab to record what you actually spend, one day at a time. It does not change your monthly targets; it measures how much of those targets you have already used in the calendar month you are viewing.

  • Pick a date to see or edit lines for that day only. Use Previous / Next or the calendar control.
  • Tags: “Personal” is default. Use Partner / shared when the cost should track against the Partner bucket on the Monthly tab; “Other” for anything else you want separated in exports.
  • This week is always Monday–Sunday in the same week as the date you picked (the line under the amount shows that week’s dates).
  • Month-to-date adds everything logged from the 1st of that month through today’s date when you are in the current month (so opening another day with no lines does not make your month total go down). For a past month, it uses the full month.

What you have left & daily totals

Uses your Monthly plan (pool for life, five buckets) and this log. Same calendar month as the date above.

  • Left to spend vs plan
    Five-bucket budget for the month minus logged spending (MTD). Positive = room left; negative = over your combined category targets.
    €0
  • Five-bucket plan (monthly) €0
  • Logged month-to-date (all tags) €0
  • Unassigned in pool
    Buffer after the five targets; “bought” on To buy reduces this.
    €0
  • Pool for life
    After must-pay, savings, and investing.
    €0

This day & week

  • This day only
    Sum of lines for the selected date.
    €0
  • This calendar week
    Mon–Sun for the week that contains your day.
    €0

Expense lines for the selected day

Add one row per purchase. Description is free text; amounts are in EUR.

To buy — wishlist

Track one-off purchases (mirror, phone, …). The monthly sheet sets aside five life buckets; anything left in the pool for life after those targets is unassigned (buffer / flex). Checking “Bought” only spends from that unassigned slice — your daily log still compares to the five-bucket total only.

Vs monthly pool

  • Unassigned in pool (pool − five buckets) €0
  • Still on the list (not bought) €0
  • Bought (checked off) €0
  • Unassigned left after bought €0
  • Five-bucket plan vs daily log €0

If unassigned before wishlist is zero or negative, your category targets already fill (or overfill) the pool — treat wishlist as tightening that buffer.

Items