Budget Health
Transparent score based on funding, commitments, overspending and savings.—
Overview
CURRENT PAYCHECK
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Unassigned$0
Income$0
Spent$0
Assigned$0
Next payday—
TRUE EXPENSE PLANNER
Recommended for this paycheck
Bills and sinking funds calculated from the actual GSA pay schedule.$0.00
Next 6 paychecks
Paycheck envelopes
Spending mix
Add transaction
Recent transactions
| Date | Payee | Envelope | Source | Amount |
|---|
Add envelope
Fund this paycheck
Manual allocations remain editable. Planner recommendations show beside them.Create / update sinking fund
Turn a larger or irregular expense into predictable GSA-paycheck contributions.
Sinking funds
Add recurring bill
Choose how the bill should be funded from GSA paychecks. Example: split a mortgage across the final two paychecks before its due date.
Upcoming / recurring
PAYCHECK PLAN IMPORT
XLSXImport a budget laid out by pay date
For spreadsheets where each paycheck date is a column and bills, savings goals, and spending plans are listed underneath it. The app previews everything before changing your budget.
Import transactions
CSV or XLSX. The importer recognizes common bank/export headers and can find a header row below account/report metadata. If anything is unclear, a mapping panel appears instead of stopping the import.
Map transaction columns
Choose the columns from your file.
Import a simple envelope budget
CSV/XLSX with an Envelope/Category/Name column and Budget/Target/Amount column.
LOCAL AI
Ollama spending coach
Checking your configured Ollama server…
AI transaction categorizer
Review uncategorized expenses, learn from merchants you already categorized, and apply them to envelopes. New envelopes are only created when you approve them.
Analysis
Run an analysis to find recurring expenses, spending patterns, and realistic places to save.
ANALYTICS + FORECASTING
Understand where each GSA paycheck is going
Drag report cards to reorder them. Your layout and chart choices are saved on this device.
Choose report cards
Show or hide cards on this device. You can also drag visible cards to reorder them.Loading analytics…
Paycheck Commitment Forecast
Bills + sinking funds already committed to upcoming GSA paychecks.Budget vs Actual
By pay periodWhere This Paycheck Went
Current GSA checkIncome, Spending & Savings
Cash flowWhere My Money Went
CategoriesTop Merchants
Click to inspectEnvelope Spending Trend
Compare your largest categories paycheck by paycheck.Spending Heatmap
Darker cells mean heavier spending for that category and paycheck.Savings Rate
—Needs vs Wants vs Savings
Current rangeSinking Fund Progress
Recurring Expenses & Subscriptions
DetectedAccount Snapshot
$0Tracked Account Position
Estimated historical position from current balances and tracked transaction flow.What-If Simulator
Experiment without changing the real budget.AI Pay-Period Comparison
Local OllamaUses computed category differences, then asks Ollama to explain the drivers.
No comparison run yet.
Debt Payoff Calculator
What-if onlyEnter a balance, APR, and payment per GSA paycheck.
Transactions
| Date | Payee | Envelope | Amount |
|---|
INVESTMENTS + RETIREMENT
Retirement and brokerage accounts
Separate from envelope budgeting. Investment balances, holdings, dividends, trades, and retirement activity are never counted as paycheck income or budget spending.
Total connected investments$0.00
Connect Fidelity or another investment institution
Uses Plaid Investments, separately from your bank-transaction Plaid connections. Fidelity availability depends on access enabled for your Plaid account.Investment accounts
Excluded from budgetAsset allocation
Current holdingsPortfolio balance history
Builds from daily snapshots each time investments are synchronized.Holdings
0 positions| Account | Security | Type | Quantity | Price | Value | Cost basis |
|---|
Investment activity
Optional. Disabled by default to avoid enabling Plaid Investments Transactions unless you choose to configure it.| Date | Account | Activity | Security | Amount |
|---|
Envelope funding reconciliation
Fix envelopes that look funded when the money was never actually set aside. This tool preserves goals, sinking-fund targets, bills, and transactions.Nothing will change until you review the preview and apply it.
Payday settings
GSA EFT dates remain authoritative. Adjust if your bank credits payroll early.
Accounts
Email alerts & budget warnings
Configurable household warnings for low balances, tight GSA paychecks, envelope overspending, and unusual expenses.Checks active checking, savings, cash, and synchronized bank accounts. Credit and investment accounts are excluded.
Looks at the current and next two GSA paychecks, including assignments plus still-unfunded true expenses.
Warn when spending in the current GSA pay period exceeds the amount assigned to an envelope.
Flags large first-time merchants or expenses that are materially above that merchant's recent history.