Finance Hub

Income

—

this month

Bills

—

bank account

Spending

—

spending account

Commitments

—

planned outgoings

Remaining

—

after all outgoings

💷 Where Your Money Goes

Enter data in Accounts Planner to see this month's money flow

📅 Events This Month

No upcoming events

🚗 Vehicle Dates

Add vehicles to track dates

📈 Last 6 Months

Load data for multiple months to see the trend

📊 Account Balances

Enter data to see balances

💷 Next Pay Day

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📅 Upcoming Bills predicted

Load CSVs to see predictions

⚠️ Spending Alerts vs your budgets

Set budgets in the Spending Alerts tab

💵 Cash Flow Forecast next 4 weeks

Enter income & account data to see cash flow forecast

📋 Bills Tracker

Drop your main account bank CSV files to analyse income & outgoings

📂

Drop CSV files here

or tap to browse · supports multiple files at once

💳 Spending Tracker

Drop your spending account CSV files to track where your money goes

💳

Drop CSV files here

or tap to browse · supports multiple files at once

📅 Accounts Planner

Enter this month's wages and bills together — just like your old spreadsheet. For example, in the May tab: enter the wages you were paid on 27th/28th April, plus all of May's bills. That's the money that pays those bills.

2026

All changes saved locally

💳 Credit Cards

Track balances, interest and pay-off timelines

Total Balance

£0.00

Monthly Interest

£0.00

Available Credit

£0.00

➕ Add Credit Card

Card Name

Balance (£)

Credit Limit (£)

APR %

Min Payment (£)

⚡ EV Charging

Track home and public charging sessions

Total Spent

£0.00

Total kWh

0

Sessions

0

Avg Cost/kWh

0p

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All sessions • 0 this month

Cost This Month

£0.00

kWh Added

0

Home Cost

£0.00

Public Cost

£0.00

🏠 Home vs ⚡ Public Split

Log sessions to see split

➕ Log Charging Session

Date

Type

Supplier

kWh added30.0 kWh

Cost per kWh7.0p/kWh

Total Session Cost

£2.10

30.0 kWh × 7.0p = £2.10

Tap Log to save this session

💸 Debt Tracker

Manage multiple loans and borrowings. Overpay to see how much you save.

Total Borrowed

£0.00

Monthly Payments

£0.00

Total Interest

£0.00

Debt-Free Date

—

➕ Add Loan

Loan Name

Start Date

Amount (£)

Duration (months)

APR (%)

Monthly Payment (£)

🎯 Savings Goals

Track progress towards your savings targets

Total Saved

£0.00

Total Target

£0.00

Overall Progress

0%

➕ Add Savings Goal

Goal Name

Target Amount (£)

Already Saved (£)

Target Date

🚗 Vehicles

Track MOT, service, insurance and road tax dates. Tap any date to update it.

➕ Add Vehicle

Vehicle Name

Registration

MOT Due

Service Due

Insurance Renewal

Road Tax Renewal

📅 Calendar

Add and track events, reminders and important dates

🔧 Tools & Calculators

Drag sliders for instant results

⚡ EV Trip Cost

Distance150 miles

Efficiency3.5 mi/kWh

Home rate3.5p/kWh

Public rate55p/kWh

kWh needed

-

Home cost

-

Public cost

-

You save

-

🔄 EV vs Petrol Annual

Annual miles10,000

EV efficiency3.5 mi/kWh

EV rate3.5p/kWh

Petrol MPG40 MPG

Petrol price155p/litre

EV annual

-

Petrol annual

-

You save/yr

-

💰 Loan Overpayment

Balance£10,000

Interest rate6.5%

Monthly payment£250

Extra per month£50

Normal payoff

-

With extra

-

Months saved

-

Interest saved

-

🏎 Debt Payoff Race — see how extra payments accelerate freedom

Extra payment per month£0

📈 Net Worth Tracker

Your total financial picture — assets minus liabilities over time

Total Assets

—

Total Liabilities

—

Net Worth

—

Debt-to-Asset

—

💰 Assets

💸 Liabilities

📊 Monthly Net Worth Timeline

Snapshot recorded each time you view this page

Add assets & liabilities above to track your net worth

📄 UK Tax Year Summary

April to April — income, deductions & self-assessment estimate

Gross Income

—

this tax year

Est. Income Tax

—

rough estimate

Personal Allowance

£12,570

2024/25

Effective Rate

—

of gross income

💷 Income Sources (This Tax Year)

Auto-calculated from your Accounts Planner. Tax year = April–March.

Load Accounts Planner data to see income breakdown

📊 Tax Band Breakdown

England & Wales rates 2024/25

⚠️ Disclaimer

This is a simplified estimate only. It does not account for pension contributions, National Insurance, allowances, or reliefs. Consult HMRC or an accountant for accuracy.

📅 Monthly Income — Tax Year View

📱 Subscription Radar

All your recurring subscriptions — monthly & annual cost at a glance

Monthly Total

—

Annual Total

—

Subscriptions

0

Creep Score

—

vs last year estimate

📈 Subscription Creep

How much your subscriptions have grown (based on count × avg)

Low creepHigh creep

+ Add Subscription

Name

Monthly Cost (£)

📋 How it works

📷 Take a photo or upload any receipt image

🤖 Claude reads it — merchant, amount, date, items

📊 Compares to your budget using your real spending data

💰 Suggests a category and whether it is within budget

⚠️ Requires your Worker URL to be saved in the AI Coach tab

⚠️ Spending Alerts

Set monthly budgets per category — get warnings when you're approaching or over

📊 Budget vs Actual — This Month

Enter a monthly budget for each category. Leave blank for no limit. Figures update automatically when you import CSVs.

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🔄 Recurring Transaction Detector

Click “Scan now” to detect recurring payments not in your Accounts Planner

📤 Export Data

Download your finance data as CSV files for your records or accountant

📋 Accounts Planner Export

All 12 months of income, outgoings and committed spending for 2026. Opens in Excel, Numbers or Google Sheets.

📊 Full Transaction Export

Every transaction from all your imported CSVs — bills and spending — sorted by date. All months combined into one file.

🤖 AI Coach Data Snapshot

The same financial summary the AI Coach uses — income, debt, goals, EV, subscriptions and net worth — as a text file you can paste anywhere.