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Cashflow (this period)

Available (spend or extra invest)

Investing (already planned / month)

Your month (EUR)

Budget period

Daily spending and cashflow use this window instead of only calendar months. Day 1 = calendar month; other days = rolling period (e.g. 25 → 25th through 24th next month).

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. Cadence and Due (day) (1–28, monthly only) drive the Cashflow “upcoming debits” list (timing). Those amounts already reduce income in the monthly plan — they are not subtracted again from available spend. Weekly / Biweekly: amount is per charge; the sheet uses a monthly equivalent for totals.

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 a denser advanced layout for the buckets below. Extra spending targets are available to everyone. Subscribe under the banner or in Settings.

Your extra spending targets

Add monthly targets with any labels you like (kids, travel, pets…). They count toward your life spending total, appear on the Daily tab bucket list, and compare to log entries tagged to them.

Accounts & jars

Track which bank account or jar each expense comes from. Optional opening balance shows an approximate “remaining” for this budget period (logged spend only — not a full bank ledger).

This budget period (from today’s Daily date)

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 budget-period-to-date log (see Budget period above). To buy items you mark as bought use unassigned space in your discretionary pool (pool for life minus those targets), not the five-bucket total itself.

Optional context

Preview


              

Cashflow

Same figures as the strip above — available already reflects your Daily spending log for the period — plus an upcoming debits list (timing only, not double-counted).

Upcoming debits (after today)

    Daily allowance (safe to spend)

    This period’s available (after to-buy bought and daily log) divided by days left — matches the Daily tab when you’re in the live budget period.

    Runway on safe to spend (rough)

    How long this period’s safe-to-spend buffer might last at your average daily log pace (all tags). Date is indicative if pace stays flat.

    Subscriptions

    Add fixed services (streaming, phone, software, etc.). Totals count like must-pay for savings, investing, and life spending. Same Cadence / Due (day) rules as must-pay (for the upcoming list — not a second hit to available spend).

    Subscriptions total: €0

    Daily spending

    Download all invoices at once as one .zip file (everything attached to expense lines in that month).

    Uses the calendar month of the date above — the same month as “Which day?”

    Expenses without an invoice (this month)

    Uses the calendar month of the date above — same as “Which day?” and the zip download. Lists business expense lines in that month with an amount but no file attached yet.

    What you have left
    €0
    Same as Cashflow available: discretionary pool minus to-buy (bought) minus this period’s log (budget period to date).
    Daily total
    €0
    This day only — selected date

    From your Monthly plan, budget period setting, and this log for the date above.


    Period & week detail
    • Life plan (monthly targets) €0
    • Logged period-to-date (all buckets) €0
    • Life targets left vs log
      Monthly life-bucket total minus period-to-date log — pace against category targets only (not the same as available above).
      €0
    • Discretionary pool (monthly)
      After must-pay, subscriptions, savings, and investing — the “pool for life” cap before bucket targets.
      €0
    • Daily allowance (safe to spend)
      Available (after your log) spread over days left — pace after what you’ve already entered (upcoming bills are in monthly totals).
    • Runway on safe to spend (rough)
      How long this period’s safe-to-spend buffer might last at your average daily log pace (all tags).
    • This calendar week
      Mon–Sun week for your date
      €0
    By account or jar

    How this tab works

    Log what you actually spend, one day at a time. This does not change monthly targets; it measures use against them for the month you are viewing.

    • Pick a date for that day’s lines. Use Previous / Next or the calendar.
    • Bucket: pick the same life spending target as on the Monthly tab (Food, Hobbies, custom targets, …). Warnings appear if a bucket is ahead of a prorated share of its monthly target.
    • Account / jar: optional — links the line to a source you define under Monthly → Accounts & jars (same for Personal and Business plans).
    • Weeks are Monday–Sunday (see week row above).
    • Period-to-date follows your Budget period on the Monthly plan (or the full period if you’re viewing dates in a past budget window).

    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 five life buckets; anything left in the discretionary pool after those targets is unassigned (buffer / flex). Checking “Bought” commits that slice. The Cashflow / Daily “available” line is the pool after bought items and your daily log for the period.

    Vs monthly pool

    • Unassigned in pool (pool − five buckets) €0
    • Still on the list (not bought) €0
    • Bought (checked off) €0
    • Available now (after bought & daily log) €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