Green = fits your budget. Amber = slightly over, consider waiting. Red = over budget — see what that money saves in interest instead. It's a pause, not a hard block.
Reconcile monthly: update balances after each statement closes, then click "Mark reconciled."
After updating balances above, tap this to record the date so you always know when you last checked.
If this card has a promo rate ending soon, set the date and a deadline badge appears automatically.
Once you're in savings mode, keep your money in a high-yield savings account (Capital One 360 Performance Savings, Ally, or Marcus). Update balances here monthly when you reconcile.
No history yet. When you reset at the end of each month, that month's data is archived here automatically.
Lower any amount to see how much extra could go toward debt. Doesn't change your saved budgets.
Edit amounts directly. Changes take effect when you click Save.
Update this whenever your income changes — extra part-time work, a bonus, a slow month. The surplus metric and budget tab update immediately.
Export saves everything to a .json file. Import it on any device to restore. Save to Google Drive or iCloud as a backup. The PHP server also syncs automatically across devices.