Features — Finance Planner

Dashboard — Is this year going to work?

Opens with the one thing worth looking at — the tightest month, a budget gone over, a balance you have not checked in a while — or says that nothing needs attention, and shows the figure that says so. Under it the headline numbers: what is in the bank today against your buffer, money in, money out, and what you kept. Then one overview card per page of the app, each stating its figure and the rows behind it.

The alert carries the way through to the page that fixes it

One overview card per page, each with the few rows behind its figure

A period filter — month, quarter or year — that every other page keeps

Click a month, a budget or a project to open exactly what is in it

Income — What comes in, and when?

A card per person, plus a shared "Family", each holding their streams — a job, a bonus, a side business, a rental. A salary is entered once as a single figure and fills the year; anything that varies is set month by month instead, rather than being averaged into something that never happens.

Year total, average month, best month and this month at the top

One figure fills twelve months — and any month can then differ

Income across the year as a line, and a per-person split

A pay cycle that is not twelve equal months is entered as it really is

Recurring Expenses — What does a normal month cost?

The standing costs — rent, groceries, insurance, subscriptions. Each item owns its whole year: it generates an expense for every month it is active, so the baseline maintains itself and you only ever edit the exception.

What this month costs, the year total, and the share of income it takes

The biggest costs ranked, so the one worth renegotiating is obvious

Change the standing cost and the year follows; change one month and it keeps its own figure

Open an item to see every month it has charged

Additional Expenses — What else is happening this year?

One-off spending on top of the baseline, in a list you can search, filter and sort. Every entry carries a category (what kind of spending it is) and optionally a budget (which cap it comes out of) — two independent labels, so a home expense can be charged to the kitchen renovation while the next one is charged to nothing.

Planned, done or skipped — and committed, likely or maybe

A maybe stays out of the plan and shows only in the pessimistic line

Pick a category from your list, or name a new one on the spot

Group entries into a project — a renovation, a trip — and see what the whole thing costs

Tick several rows to move them into a project, or charge them to a budget, at once

Budgets — What did I mean to spend?

A budget covers all spending, just the recurring side, just the one-offs, a single category, or a single project — and reads either per month (a cap that resets) or for the year (one pot spread across the months it covers). Untick months to make it seasonal. Capping a project is optional and comes later: you group its entries first, and decide what the whole thing should come to whenever you are ready.

Categories and projects catch spending by description; charging one by hand always wins

Uncapped categories and projects listed underneath, one click from a budget

Your category labels live here too — renamed, re-iconed, or cleared out

Deleting a budget removes the yardstick, never the spending under it

Savings — Does the plan still match the bank?

What is in the accounts today, where the year ends, the lowest point against your minimum buffer — and the year read as one sum: opening balance + money in − money out − invested − debt repaid = where it lands. Then the monthly check-in that keeps it true: recording what your balance actually was sets that month outright, so everything after it rolls on from the truth rather than from the guess.

A trajectory chart with your buffer drawn across it

The difference between plan and reality is kept and shown, not hidden

The opening balance comes from your accounts, so the two cannot drift

Per-account splits, so "savings" is never one unexplained number

Saving Goals — What is the money actually for?

A buffer is a floor you stay above; a saving goal is a number you climb towards out of what each month actually leaves you. Say what it costs and what you mean to put aside monthly, and the plan works out the rest — including the months it cannot manage. Rent, groceries and every other expense are paid first, and the goals share whatever survives them.

Expenses come first — a month that leaves CHF 200 puts CHF 200 aside, not what you hoped

Several goals share one month’s surplus, in proportion to what each asked for

When each goal lands, and the monthly figure that would make a deadline

Forecast — Where does today’s money land?

Everything that looks past today, in one place and in the order the money stacks up: this year month by month, then savings, investments, assets and net worth. Each part keeps its own model rather than sharing one blended rate, and debt is amortised at its own rate and payment.

The month-by-month table for the year, and the years after it

How much of the gain is money you put in, versus what the rates earn

Every rate and horizon editable in one place

Net worth held as a floor, not an optimistic guess

Investments — What is being put away, and what could it become?

Every investment account with what it holds today and what goes into it each month. Contributions are money leaving the balance, so a month that invests 500 is a month that has 500 less to spend — the plan and the portfolio are the same arithmetic, not two spreadsheets that disagree.

A monthly contribution per account, counted as money out

Each account grows at its own rate rather than one blended guess

What you put in against what the rate earned, kept apart

Assets & Debts — What am I actually worth?

The things you own that are not a balance you can spend, and the debts secured against them. Equity is value minus what is owed on it, so the figure is never stored twice — and a debt that clears in September stops taking money in October.

An asset is a snapshot, never a flow — adding a flat changes no month

A debt has a rate, a payment and the months it is paid in

A per-type split, so property and vehicles are never one lump