Assets and planning

Assets

Four menu items — All assets, Cards and accounts, Property, Vehicles — are one screen with different type filters.

The asset form is shared by every type: name, type, currency and balance (for property and vehicles the label becomes “Value”). A bank card adds the last digits; a cryptocurrency adds a wallet and its own currency list.

The Recurring income switch is available for any type, not just cards: amount, period, payout day and source. For a flat you rent out it works exactly as it does for a deposit.

Extra sections per type:

• deposit — rate, capitalisation, opening and closing dates, “top-up allowed” and “auto-renew” checkboxes;
• property — address, area, property type, ownership share;
• vehicle — make, model, plate, year, mileage, VIN.

Caution

A new asset always starts as “Bank card”, whichever of the four screens you pressed the button on. For a flat, a car or a deposit pick the type by hand.

All assets is the only screen with every type at once: total value, the number of assets, monthly income, the number of types, distribution bars, and tabs where “Other” collects crypto wallets, investment accounts and money you have lent.

Cards and accounts covers bank cards, accounts, cash and deposits grouped by category. Crypto and investment accounts do not appear here.

Totals add up assets in the base currency only.

Note

There is no separate form for topping up, withdrawing or adjusting a balance, and no asset detail screen with a history. The only way to change a balance is to edit the number in the asset form. Deleting an asset is irreversible.

Budgets

Spending limits per category for the calendar month: the app compares the limit you set against actual spending since the 1st.

The summary covers planned, spent, remaining and overspend. A budget row shows the category icon, a progress bar (red once over the limit), “spent / limit” and a percentage. Hovering reveals a pencil and a bin.

The form has two fields: an expense category and a limit in the base currency. Neither the currency nor the period is a choice: the currency is always the base one and the period is always a month.

One budget per category. The form does not check this upfront — a second attempt fails on save. Deleting a budget does not touch your transactions.

Forecast

A read-only cash-flow screen: nothing can be created or changed here.

The summary: current balance, expected income and expenses to the end of the month, the balance forecast, and — when there is unbilled paid work — a “Work in progress” card labelled “not delivered — excluded from the forecast”. Money that is not confirmed is deliberately not shown as expected.

The “Balance forecast by month” chart covers the current month and five ahead; a column turns red on a negative balance. Below it are up to ten upcoming large events.

Note

The monthly forecast is a rough extrapolation: the current balance plus the average net flow of completed months, not a calculation over specific future transactions. The colour of the “Balance forecast” card is computed differently — by comparing the month-end remainder against average spending over the last three months.

Owed to me

Receivables: work that has been delivered but not paid for — tasks with a payment amount, project milestones and retainers.

Totals are listed per currency (different currencies are not added together); anything overdue is called out in amber. A row shows the source and its type, the project, the client, the number of an invoice already issued, the amount and the timing — “N days overdue” or “in N days”. On the right are “Open the work” and “Open the client”.

Overdue rows come first. As soon as a payment is marked as paid anywhere in the app, the row disappears from here on its own.

The invoice number is only displayed here — it is issued in the payments calendar.