Personal budgeting
Every month asks the same question.
Did we spend more than we planned? Finance answers it in a sentence — at the top of
the page, before a single chart. And it answers for everything you spend on, not one
card's slice of the picture.
Last month
Example
You spent £128 more than you budgeted.
Everything in one place
Current account
Credit card
Second card
Joint account
One set of categories · one budget · one verdict
Your bank shows you your bank. A card app shows you that card. Neither can tell you what the
month cost. Bring a statement from each and they land together — so the plan covers
everything you actually spend, and the answer at the top of the dashboard is the real one.
-
01
Bring in every account. Drop in a CSV or XLSX from any bank or card. Each statement's
layout is learned the first time it's seen, so the next export from that provider imports without
you mapping a single column.
-
02
Spending sorts itself. Transactions from every source are categorised automatically
into one shared set of categories, and each correction you make is remembered — so the same shop
lands in the same place next month, whichever card paid for it.
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03
Budget the whole picture, once. One plan across every account. Budgets carry forward
on their own, and understand costs that land quarterly or annually rather than every month.
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04
See where it's heading. Month-by-month breakdowns, running cash position, savings
and retirement — all off the same figures as the verdict.