User Application
Goals, Net Worth & Forecasting
Savings goals, full net worth tracking, cash-flow forecasting, tax export, and the referral program.
Savings Goals
User Panel Set a target amount and an optional target date for a goal — a vacation, an emergency fund, anything — against any account. Progress is tracked as a percentage of the target, with the progress bar's color shifting from a starting blue through to green as a goal nears completion, and a goal is automatically marked complete once contributions reach it.
Savings Goals
Create Savings Goal form
Contributions are logged individually as a real ledger (an "Add contribution" action on each goal, with a running history shown alongside it) — not just a single current-balance number that gets overwritten.
A goal's account link doesn't create a transfer or touch that account's real balance — contributing just earmarks part of what's already sitting there. The Bank Accounts page shows both the account's true balance and what's still available to spend once every goal's allocation is set aside, and money reserved this way stays reserved even after a goal is completed, until it's explicitly withdrawn.
Net Worth
Every bank account, asset account, and liability account rolled into one number, tracked over time with a historical trend chart — the true across-everything financial picture, not just a checking-account balance.
Net Worth tracking
Cash Flow Forecast
A forward-looking projection of upcoming recurring bills, installment due dates, and budget pressure — so a subscriber can see a cash shortfall coming before it happens, not after.
Cash Flow Forecast
Tax Export
Mark specific tags as "tax-relevant" once (on the Tags page), then export exactly those transactions for a date range at tax time — no manual filtering through a full year of transactions. Pick a start and end date, hit Filter to preview matching expenses and incomes on-screen, then download either side as its own Excel spreadsheet.
Tax Export
Your Referrals
Every subscriber gets a unique referral link. When someone they refer subscribes to a paid plan, the referrer is automatically granted AI credits — fully self-service, no admin intervention required.
Your Referrals