Planning, budgets and analytics

Budgets and goals

Budgets set a limit per category and period (weekly, monthly, yearly) and show spending against it; templates such as 50/30/20 and the envelope method are available. Savings goals track a target amount, deadline and monthly contribution. Savings envelopes hold money set aside for a purpose and keep a history of movements.

Subscriptions

Subscriptions are recurring payments with an amount, billing cycle, category and next billing date. They feed the payment calendar, the cash-flow forecast and the notifications. A subscription can watch for a price change.

Loans and mortgages

Mortgages, personal loans, car loans and credit cards are tracked with principal, rate, payment and schedule. The debt payoff planner compares the snowball and avalanche methods and, for the Czech market, points to official debt-relief authorities when the numbers indicate distress.

Calculators

Mortgage, FIRE, compound interest, inflation, vehicle costs, vacation and debt payoff. Calculations can be saved to the profile; the Free plan keeps 3 saved plans per calculator.

Net worth and analytics

Net worth sums accounts, investments, properties (your share), vehicles (owned), valuables and alternative investments, minus loans, all in your display currency. Analytics has eight tabs: overview, cash flow, categories, savings and investments, forecast, patterns, score and the AI review. The financial health score (0 to 850) is computed from seven components and is the same number the get_financial_score tool returns.

Shared expenses

Expense groups split costs between people, with settlements and a share link. The Free plan allows 1 group.

Family Legacy

Premium and Max can name up to 5 trusted contacts who can request access to a prepared overview in case of emergency. Notes for contacts are stored encrypted.