Income this month
£0.00
Tracked income
Expenses this month
£0.00
Tracked spending
Available this month
£0.00
Income − expenses
Net worth
£0.00
Assets − liabilities
Monthly cash flow
Income and expenses across the year
JanFebMarAprMayJunJulAugSepOctNovDec
Budget health
Budget used0%
Upcoming bills£0.00
Overdue bills£0.00
Subscriptions / year£0.00
Transactions0
Upcoming bills
No bills yet.
Savings goals
No goals yet.
Recent transactions
No transactions yet.
Your financial command centre
Plan beautifully. Spend intentionally.
See your cash flow, budget allocation, savings, debt and net worth at a glance — designed as a calm, premium UK financial planning experience.
Financial health0/100
Savings rate0%
Net worth£0
Total debt£0
Annual cash-flow trend
Income versus expenses by month
Money allocation
Tracked income and spending
Budget allocation
Largest planned categories
Net worth mix
Assets versus liabilities
Financial health
Overall financial position
Monthly Budget
Planned income
£0.00
Planned expenses
£0.00
Planned savings
£0.00
Unallocated
£0.00
| Category | Type | Planned (£) | Actual (£) | Variance (£) |
|---|
Transactions
| Date | Description | Category | Account | Type | Amount |
|---|
Accounts
Bill Calendar
| Bill | Provider | Due | Frequency | Type | Amount | Status |
|---|
Smart Bill Calendar
Due dates, paid bills and overdue payments at a glance
Subscription Manager
Monthly subscriptions
£0.00
Annual cost
£0.00
Active subscriptions
0
Renewals coming up
0
| Provider | Category | Cost | Frequency | Annual cost | Renewal |
|---|
Renewal History
Track subscription renewals separately from your current subscription list
Savings & Goals
Sinking Funds Planner
See the monthly amount needed to reach each goal on time
Emergency Fund Planner
Emergency fund target
Your safety buffer
£0.00
Recommended target
Current coverage0.0 months
Amount remaining£0.00
Estimated completion—
Debt Planner
Total debt
£0.00
Monthly minimums
£0.00
Extra payment
£0.00
Estimated payoff
—
Debt accounts
| Creditor | Type | Balance | APR | Minimum |
|---|
Payoff simulator
Estimated months—
Estimated interest—
First priority—
This is an estimate based on the balances, APRs and minimum payments entered. Real lender calculations may differ.
Cash Flow Forecast
Starting balance
£0.00
30-day projected
£0.00
60-day projected
£0.00
90-day projected
£0.00
Forecast assumptions
Forecast uses your current account balance plus expected monthly income and recurring bills/expenses. It is a planning estimate, not a bank balance prediction.
Forecast checkpoints
UK Tax & PAYE
Planning calculator only. UK tax rules and thresholds can change. Always verify figures against HMRC or your payroll statement before making financial decisions.
PAYE inputs
Estimated take-home
£0.00
Estimated annual net pay
Income tax£0.00
National Insurance£0.00
Pension£0.00
Effective tax rate0.0%
Gross monthly
£0.00
Net monthly
£0.00
Taxable income
£0.00
Total deductions
£0.00
Student Loan Planner
Loan inputs
Estimated repayment
£0.00
Estimated annual repayment
Monthly repayment£0.00
Repayment threshold£0.00
Above threshold£0.00
Estimated payoff—
ISA & Investment Tracker
Total invested
£0.00
Current value
£0.00
Gain / loss
£0.00
ISA contributions
£0.00
| Investment | Platform | Type | Cost | Value | Gain/Loss | ISA? |
|---|
Pension Planner
Pension inputs
Projected pension
£0.00
Illustrative future value
Total monthly contributions£0.00
Total contributions£0.00
Estimated investment growth£0.00
UK Benefits Tracker
Expected monthly
£0.00
Expected annual
£0.00
Benefits tracked
0
Received this month
£0.00
| Benefit | Type | Expected | Frequency | Next payment | Status |
|---|
Financial Health Score
Overall financial health
0
Not enough data
Add income, spending, savings and debt data to build your score.
Score breakdown
Savings rate0/25
Emergency fund0/20
Debt burden0/20
Budget control0/20
Net-worth position0/15
Strong areas
—
Needs attention
—
Suggested actions
—
Financial Scenario Planner
Scenario changes
Current vs scenario
Monthly income£0.00
Monthly expenses£0.00
Monthly surplus£0.00
Annual surplus£0.00
Annual impact£0.00
Spending Analytics
Total spending
£0.00
Average transaction
£0.00
Largest category
—
Transactions
0
Category breakdown
Spending insights
Annual Financial Review
Annual income
£0.00
Annual expenses
£0.00
Annual savings
£0.00
Savings rate
0.0%
Top spending categories
Financial progress
Year-end observations
Reports & Export
Financial summary
Create a clean printable summary of income, expenses, savings, debt and net worth.
Annual review
Print the annual financial review generated from your current data.
Data backup
Download your complete offline data as JSON. Use Settings to restore it later.
CSV Bank Import
Offline import: CSV files are processed inside this browser. No bank credentials or transaction files are uploaded anywhere.
Import settings
Import preview
Choose a CSV file to preview it here.
Recurring Transactions
Monthly recurring income
£0.00
Monthly recurring expenses
£0.00
Monthly net
£0.00
Recurring items
0
| Name | Type | Amount | Frequency | Next date | Category | Active |
|---|
Help & User Guide
Quick start
1. Setup
Enter your name, year, tax assumptions and income.
Enter your name, year, tax assumptions and income.
2. Accounts
Add your current, savings, cash and investment balances.
Add your current, savings, cash and investment balances.
3. Budget
Set planned income and spending by month.
Set planned income and spending by month.
4. Transactions
Record actual income and expenses or import a CSV.
Record actual income and expenses or import a CSV.
5. Plan
Use goals, emergency fund, debt and forecasts.
Use goals, emergency fund, debt and forecasts.
6. Review
Use health score, analytics and annual reports to improve decisions.
Use health score, analytics and annual reports to improve decisions.
Offline & privacy
This application is designed to run locally. Your data is stored in this browser on this device. It does not require an account or financial login.
Backup best practice
Export a JSON backup regularly and keep a copy somewhere safe. Restoring a backup replaces the current application data.
Important
Tax, pension, student-loan and investment calculations are planning estimates. Always verify regulated or tax-sensitive figures with official UK sources or a qualified adviser.
Data safety
Use Settings → Export Backup before major changes.
CSV safety
Never import a file containing passwords, PINs or banking login credentials.
Recommended routine
Update transactions weekly, review bills monthly and run a financial review each quarter.
Net Worth
Total assets
£0.00
Total liabilities
£0.00
Net worth
£0.00
Accounts tracked
0
| Name | Type | Class | Value |
|---|
Net Worth History
Monthly snapshots of assets, liabilities and net worth
Digital Purchase Tracker
Keep a searchable record of digital products, Etsy sellers and download status.
Recorded purchases
0
All purchase records
Total spent
£0.00
Excludes refunded / cancelled
Unique sellers
0
Shops in your records
Download reminders
0
Not downloaded or missing
Purchase checklist
Search by product, seller or shop; narrow the list by category, status and purchase date.
| Checklist | Product | Seller / Shop | Purchase date | Category | Price | Download | Refund | Actions |
|---|---|---|---|---|---|---|---|---|
| No purchases recorded yet. Add your first digital purchase. | ||||||||
Showing 0 purchases
Seller directory
A quick view of shops you've purchased from.
| Seller | Purchases | Total spent | Shop |
|---|---|---|---|
| No sellers yet. | |||
Wishlist
Save products you may want to buy later.
| Product | Seller | Category | Actions |
|---|---|---|---|
| Your wishlist is empty. | |||
Helpful reminder: this tracker records purchases you enter yourself. It does not connect to Etsy or automatically import Etsy order history. Duplicate warnings compare product names already saved in this planner.
APPEARANCE
Choose your theme
Personalize the planner. Your choice is saved on this device.
Settings & Data
Offline-first: your entries are stored locally in this browser. Export a backup regularly if you want to move the system to another device.
PHASE 7 QA
Full-system test dataset
Use Load Demo to populate transactions, all budget categories and months, accounts, bills, subscriptions, goals, debts, investments, benefits, recurring items, net worth, history and mixed record states for end-to-end testing.
PHASE 7
Data integrity & planning tools
Deterministic UK dates, safer recurring payments, forecast frequency handling, and backup-safe state management are enabled.