Ledger

See where your money goes, starting from a bank CSV.

Monthly spending by category

Subscriptions & recurring

Anomalies

AI budget coach

Only aggregated totals (category sums, subscriptions, anomalies, goals) are sent to the model, never the transaction list.

Budgets

Savings goals

Categorization rules

Your rules run first, in order. Then per-merchant choices, built-in rules and AI guesses.

Test a description

Merchant overrides

Cash flow

Forecast: next 3 months

Category trends