Import Your Transactions
Your data saves automatically to a local database — no re-importing needed each session.
📁 Upload Files
Drop one or more files here
or click to browse · hold Ctrl/Cmd to select multiple
Supports most SA bank exports
Supports most SA bank exports
CSV
XLSX
XLS
OFX / QFX
TXT
TSV
Paste Text / CSV
Manual Entry
Date
Description
Amount (negative = expense)
Category
Financial Overview
No data imported yet.
Total Income
R0
Total Expenses
R0
Net Balance
R0
Transactions
0
Spending by Category
Import transactions to see breakdown
Top Spending Areas
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All Transactions
Your full transaction history
No transactions yet. Import data first.
Budget Tracker
Set monthly limits per category and track your spending against them.
Set Budget Limit
Budget vs Actual
No budgets set yet.
Subscription Detector
Recurring charges identified from your transactions.
Import transactions to detect subscriptions.
Money Flow
Your monthly income, expenses, savings and what's left over — across all accounts.
Your Account Structure
...6116 — Credit Card (all daily spend)
...9803 — Current Account (salary in, debit orders, CC payments)
...5532 — Savings Account
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Income
R0
salary + other
CC Spend
R0
credit card purchases
Saved / Invested
R0
Allan Gray + savings
Left Over
R0
income − spend − saved
Monthly Breakdown
Fixed Monthly Commitments
Month-by-Month Trend
🧮 Monthly Budget Tracker
Your simple monthly anatomy: Income → Fixed → Variable → Savings → Left Over.
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🔒 Fixed Expenses — Non-negotiable
🔄 Variable Expenses — Controllable
✂ Where You Could Cut — Ranked by Impact
Month-by-Month Trend
🌟 Nischa's Framework
Intentional spending — Nischa Shah's 50/30/20 rule applied to your real numbers, month by month.
Your Monthly Income
Auto-detected from your transactions — override if needed
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Navigate months to compare your 50/30/20 over time
🏠
50% FIXED
Needs — car, bills, insurance
R0
of R0 target
🎉
30% FUN
Wants — golf, eating out, shopping
R0
of R0 target
🌿
20% FUTURE YOU
Savings + investments
R0
of R0 target
What's In Each Bucket
🌟 Nischa's Coaching — Your Numbers
💰 Pay Yourself First — Monthly Plan
Nischa's #1 rule: move savings FIRST the moment salary arrives — live on what's left.
Month-by-Month 50/30/20 Comparison
📋 Your Monthly Plan
Not what happened — what you should aim for. One number per bucket, calculated backward from your goals.
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Pay period: 20th → 19th — December starts on the 15th (early payout)
📈 Your Monthly Blueprint
Every rand accounted for — committed debit orders and regular costs averaged from your real history, so the fun budget shows what's truly left.
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Reality Check — How This Month Actually Went
✂ To Hit Your Variable Target — Ranked Cuts
📉 6-Month Cash Flow Forecast
Exact amounts to move the moment salary lands — forecast for the next 6 pay periods based on your history.
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📅 Your Cashflow Timing
Salary lands on the 20th. Your habit: pay down the credit card balance immediately in the same month, then wait for the new month's debit orders to clear before moving money into savings or topping up the card again.
This plan shows targets for the month as a whole — not when each rand should move. If you want, log what you've actually moved into savings and Future Us as the month progresses using the input on the Future Us Fund tab, and this plan will compare against it.
💖 Future Us Fund
Building toward R20,000/month set aside for your shared home with your girlfriend — on top of your own Nischa savings.
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Monthly Target
R20,000
This Month's Progress
R0
0% of target
Your Honest Monthly Math
🔄 Variable Spend Allowance
💡 How to Start Building This
Track What You're Actually Putting Aside
If you've started a separate savings pocket for this, log it here each month so progress is tracked accurately even before it shows up as its own category in your bank data.
Month-by-Month Progress Toward R20,000
🏭 Net Worth Tracker
Assets minus liabilities — the real measure of wealth. Updated manually each month.
Total Assets
R0
savings + investments + property
Total Liabilities
R0
car finance + credit card + debt
NET WORTH
R0
Update This Month
ASSETS
LIABILITIES
Net Worth History
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Current Breakdown
Add assets and liabilities above to see breakdown.