How the app is laid out

The home screen

At the top: how much money you have, and a forecast of how many days it lasts at your current rate. Below: your category tiles. Tapping a tile opens the keypad and records an expense in that category.

The home screen is configurable — settings let you switch blocks on and off (goals, debts, subscriptions, the monthly budget) and reorder them.

The bottom bar

Four tabs: Home, Transactions, Charts and More. More holds everything else — accounts, cards, goals, debts, subscriptions, the shopping list, the wishlist, loyalty cards, family, shared access, settings.

Search

The search button at the top searches the app's own sections and your transactions at the same time. If you cannot remember where something lives, searching is faster than scrolling through More.

Categories and subcategories

A category can have children: Car → Fuel, Car wash, Repairs. Children roll up into the parent, so reports stay readable.

Currencies

Each account has its own currency. The budget has one main currency that everything is converted into for reports. The rate is fetched automatically and stored at the moment a transaction is recorded, so past months are not rewritten when a rate moves.

How the forecast is worked out

The "money lasts N days" figure is not the balance divided by some arbitrary number. It takes your own average monthly spending and divides the balance by that. Beside it the app prints the average itself, so you can see what the number came from.

Two corrections that make it honest:

• Goal pots are subtracted. Money in a goal's account counts towards net worth but is taken out of the forecast: what has been set aside should not look available.
• Debt payments are added. If a debt has a monthly payment it counts as spending, and the app says so in a line of its own: "already included in the forecast".

The month's budget

A block of its own: how much of the budget has gone and how much is left. It also works out what can be spent per day until the end of the month, and warns in advance — "at this rate the month ends at X, which is Y over budget".

Separately, categories with a monthly limit produce their own warnings: what percentage of the limit has gone, and when it has been passed.

What lives under "More"

Three groups. Money: accounts, debts, goals, recurring transactions, credit cards, assets. Reports: transactions, the yearly summary, charts, the calendar, insights. App: settings, family, shared access, achievements, shopping lists, the wishlist, loyalty cards, support.

If you cannot remember where something is, search is faster: it looks through the app's own sections and your transactions at the same time.

All of it exists for one number: how much can I spend today — income minus the fixed costs minus savings, divided by the days left.