My Finance

Why most expense apps get abandoned

Because they record spending and nothing else — not connected to real accounts, bills due, or debts outstanding. After two weeks of logging you can see what the money went on, but not the one question that matters: how much can I still spend before the end of the month. When the numbers cannot answer that, the motivation to keep logging disappears. This section is built so that everything connects from the start, rather than being a standalone spending diary.

What it covers

• Overview — total across all accounts, this month's income and spending, and bills coming due, on one page
• Income and expenses — record income, spending, and transfers between your own accounts, with filters by period and category
• Accounts and money sources — cash, bank accounts, credit cards, and wallets, with balances computed from real entries
• Bills due — bills and monthly subscriptions, with unpaid instalments and due dates
• Monthly budgets — set a limit per category and see what percentage is already used
• Debts and instalments — remaining balance, payment amount, and next due date for each debt
• Savings and goals — targets, amount saved so far, and the date you want to reach them

The numbers connect themselves

The core idea is that you record something once and every related page updates, with nothing to fix in several places.

• Pay a bill → it becomes an expense for the month, the paying account goes down, and that instalment is closed
• Pay an instalment → the debt's remaining balance drops and the due date moves to the next instalment
• Transfer into a savings account → the savings goal's progress moves
• Any expense with a category → is compared against that category's budget immediately
• Everything flows into the overview page without you adding anything up

What a real month looks like

• Payday — record the income, set this month's budgets by copying last month's, then open bills due to see what is waiting
• During the month — buy something, photograph the receipt, let AI read the amount and category, check it, save it — or jot a quick entry through the chat assistant
• Mid-month — check which budget categories are already past half, so you can adjust now instead of finding out at month end
• Month end — open the financial health check and see whether cash flow, reserves, and debt load improved or slipped compared with last month

Photograph the receipt instead of typing

The biggest obstacle to tracking spending is the typing. The receipt scanner lets you photograph several receipts at once; AI reads the merchant, date, and amount, proposes a category, and shows how confident it is about each field. You can correct anything before saving, and if the AI fails to read a receipt, that attempt's charge is refunded.

A health check from real numbers, not a questionnaire

The financial health check scores you from what you actually recorded: the month's cash flow, reserves against spending, debt load, and budget discipline. The score itself is free. If you want an explanation of where to start fixing things, an AI analysis is available as an optional extra.

No bank connection, deliberately

Every entry is manual and nothing is pulled from your bank. That is convenience traded for never handing account access to any system. Your financial data is tied to your account alone, and AI sees your numbers only at the moment you use an AI tool.

A record-keeping tool, not an adviser

This helps you see your own numbers clearly, but it does not give investment or financial advice. Explanations from AI are summaries of the figures you entered. Decisions involving significant money should rest on real information and qualified people.

Free — so where are the charges?

No register in this section deducts Points or Credits, because recording and reading your own data does not call an AI model. Only tools that do call a model — the receipt scanner and the optional analysis in the health check — are charged by actual use, with an estimate shown before you press the button and every deduction reviewable in your history.