12-month savings projection
Where the money's going
| Category | Type | Monthly average | Budget target | vs target |
|---|
Transactions
| Date | Category | Description | Owner | Type | Amount |
|---|
Recurring & subscriptions
Detected from your full transaction history: charges from the same merchant that repeat on a regular cadence (at least 4 occurrences). Card Payment, Savings Transfer and Windfall Income are excluded, they're transfers, not real spending. This is a pattern match, not a merchant registry, so anything genuinely new won't show up until it's happened a few times.
| Description | Frequency | Avg amount | Last charged | Next expected | |
|---|---|---|---|---|---|
| Loading… | |||||
Bulk import from CSV
Columns: date, amount, category, description, owner, type
(category, owner and type are optional, blank categories get
auto-tagged from the description using keyword rules, otherwise
default to Uncategorised / Shared / Discretionary).
Amounts should be negative for spending, positive for income, matching
how they'd appear on a bank statement.
Category budget
| Category | Type | Monthly target | Notes |
|---|
Bulk import from CSV
Columns: category, type, monthlyTarget, notes (type is
Essential or Discretionary; notes is optional). Existing categories
with the same name get their target updated, not duplicated.
Monthly breakdown
Month close
A month closes in two independent parts, because the two facts become knowable at different times. The savings balance you can read off the account on the last day of the month; whether every statement has arrived depends on the card's billing cycle and might not be settled until midway through the following month. Close each when it's actually true. Closing changes no figures.
The only month-by-month record of savings growth the app keeps. Settings holds a single current figure that gets overwritten and net worth is quarterly, so without this there's no way to show what growth actually happened. Prefilled with your current offset balance, correct it to the real month-end figure.
Mark this once every statement is in. Nothing else records it, transactions don't carry which account they came from, so this is the only thing that can tell a finished month from one still missing a statement.
Month in review
A slide deck and PDF summarising the month: income, spending by category, windfalls, savings movement and the latest net worth position. Both are built here in the browser from data already loaded, then emailed to the household address as an attachment rather than downloaded, so the monthly record lives somewhere you can still find it next year.
Available once both parts of the month are closed above. That gate is the point: a deck built on a month still missing a statement would report spending figures that are simply wrong, and look just as authoritative as a correct one.
Savings growth
| Month | Balance | Change | Note |
|---|
Category breakdown
| Category | Type | Actual | Budget target | vs target |
|---|
Emergency fund forecast
| Month | Opening | Contribution | Closing | Interest saved (est.) |
|---|
Superannuation forecast
Household settings
Income settings
Salary is paid into the everyday/offset account, not onto a card, so it never shows up in an imported statement. Without it the forecast sees no income at all and floors your average leftover at zero, so these need filling in for the emergency fund projection to mean anything. Rows are staged for approval on the Import Review tab on the 1st of each month, exactly like the loan repayments, nothing is written to your transactions without you confirming it.
Amount is per pay, not per month. Monthly pay uses the pay day below. Fortnightly and weekly pay can't be described by a day of the month (26 pays a year means most months have two and some have three), so those use the anchor date instead, set it to any one real pay date and the rest are counted forward and back from it.
Loan payoff settings
Car loan balance is set on the Net Worth tab, alongside the home and investment loan balances. The fields below are just the rate/repayment plan and any extra repayments you want modelled. Leave car loan rate or repayment at 0 to exclude it from the payoff forecast.
Net worth comparison benchmarks
Used for the "How you compare" cards on Dashboard and Net Worth. Defaults are sourced from ABS Household Income and Wealth (average net worth by age) and ATO taxation statistics (average super balance by age) as of August 2026. Update these as you get older or when newer figures are published.
Superannuation forecast settings
Compounds your current super balances (from your latest Net Worth entry) forward using these monthly contributions and an assumed annual return. The 7.5% default is ASIC Moneysmart's standard long-term assumption for these calculators: a deliberately conservative planning figure, not a guarantee (actual MySuper balanced options have averaged more like 8-9% over the last decade, but past performance isn't a reliable guide to the future). This is a simple compounding estimate. It doesn't separately model fees, insurance premiums, or contributions tax.
Mei's parental leave scenario. Optional what-if, switch it on to see how a window of time off affects her balance at retirement, compared to her normal monthly contribution above. Off by default and has no effect on the numbers above until enabled. If the leave is Government-funded Parental Leave Pay, the ATO pays a 12% super guarantee on it as a lump sum after the financial year (currently worth $3,100+), worth including in "contribution during leave" below rather than leaving it at $0 if it applies, this isn't added automatically.
Retirement lifestyle targets
These are the ASFA Retirement Standard's lump sums needed at retirement for a home-owning couple, factoring in drawing down capital plus a part Age Pension. ASFA is an industry body, not government, but its figures are widely quoted alongside ABS/ATO data. Lump sums were last revised by ASFA in Feb 2026; annual budgets are the Dec 2025 quarter figures, updated quarterly. ASFA's figures assume retiring at 67 and drawing the balance down from there, so the comparison below uses your projected balance specifically at "Planned retirement age", not the first year your balance happens to cross the target. Hitting that number decades early doesn't mean you could actually retire then: super isn't accessible before preservation age regardless, and the target wouldn't need to stretch anywhere near as long. Make sure "Years to project" above covers at least (retirement age minus your current age), or this comparison won't have a year to show.
Backup and export
Downloads a single JSON file with everything currently in the app: transactions, budget categories, net worth quarters, settings, and tax prep entries. Document attachments (invoices, receipts) aren't included, they stay in the documents bucket, this is a backup of the data, not the files. Worth doing every so often as an extra copy alongside DynamoDB's own point-in-time recovery.
Net worth tracker
| Quarter | Home equity | Investment equity | Super (combined) | Savings/offset | Car loan | Total net worth |
|---|
EOFY tax prep, Meredith Street
Log deductible expenses for the investment property as they happen through the year, and attach evidence (invoices, statements, receipts) against each entry so it's ready at tax time.
Rental income
One figure for the whole financial year, so deductions can be weighed up against what actually came in.
Add an entry
Bulk import from CSV (e.g. backfilling a past financial year)
Columns: financialYear, category, amount, description, date
(financialYear like 2025-26, category must match one
of the dropdown options above, date as YYYY-MM-DD).
Document evidence still needs attaching per row afterwards in
the Entries table below. CSV import only creates the records.
Entries
| Date | Category | Description | Amount | Documents |
|---|
Category totals
| Category | Total |
|---|
Import Review
Statements forwarded to the import email address land here first. Nothing here is a real transaction yet, review each row (fix the category, description, owner, whatever needs it), then Approve to add it to Transactions, or Reject to discard it. Nothing is added automatically.