💸 Budget & Expenses
Budgets are buckets. Annual (Set) is template-driven (no discretionary top-ups). Annual (Rolling) and Monthly are manual pots.
📅 Today: —
➕ Add Expense
Annual (Set): template is mandatory. Other windows: choose bucket fields manually.
No expenses logged yet.
🧾 Expenses (Recent)
Edit/delete entries with true reversal (balances are corrected automatically).
🧺 Budget Overview
Full tree is always shown. Annual (Set) totals are computed from templates.
🏦 Storage Setup
Set opening/current balances for non-credit ...es (bank/cash/wallet). Credit cards are managed in Tab 2.
Total to hand:
—
Total available credit: —
🧺 Add Budget Bucket (Manual Pots)
For Monthly and Annual (Rolling). Annual (Set) is computed from templates (no pot amount).
Total annual bucket pots (filtered): £0.00
🔁 Annual (Set) Templates (Catalogue)
Templates exist only for Annual (Set). Logging Annual (Set) expenses requires selecting a template.
Total annual cost (filtered): £0.00
⚙️ Rollover Confirmations (later)
Month/year rollover confirmations + reconciliation audit trail will be added in a later patch.
🧾 Managing Debt
Debt cards and monthly confirmation will be implemented after Tab 1 transaction model is solid.
📌 Debt Summary
Derived totals from items added below.
🟨 0% Cards
Tracks promo expiry and required monthly repayment to clear by expiry.
💳 Credit Cards
Add as many credit cards as you like. These are selectable as a Payment Method when logging expenses in Tab 1.
🎓 Student Loans
Track APR, balance, minimum payment and interest last month.
💰 Income & Targets
Track pending vs secured income, confirm due pending items, and view your smoothed monthly sales target.
🏦 Balances Overview
Storages + Credit Cards (balance / limit / available).
🎯 Sales Target (Smoothed)
Monthly pots + (Annual Set + Annual Rolling) spread across remaining months in the year.
➕ Add Income
Pending income is counted toward targets and will prompt for confirmation on/after its date.
📊 Insights
Annualised (budget allocation view). Monthly pots × 12. Annual totals as-is.
🏠 Annual Cost of Living
🧠 Essential vs Non-Essential (Annualised)
Based on bucket allocations (not actual spend). Budgets can still go negative in other views.
✅ Essential Breakdown (Annualised)
Bills / Personal / Business / Debts
✨ Non-Essential by Purpose (Annualised)
Later you can request drill-down by subtype.
🗂️ Reports
Monthly printouts + end-of-year totals.
📅 End of Year Totals
Totals are based on logged expenses (not pots/templates). Shows Annual (Set) + Annual (Rolling).
Tip: In the print dialog, choose “Save as PDF”.
🗓️ Monthly Report
Totals are based on logged expenses for the selected month (not pots/templates).
Tip: In the print dialog, choose “Save as PDF”.
🧷 JSON
Copy/paste import/export. Import is overwrite-only.
📋 Import / Export
Use the box below to export your full state or overwrite-import a previous export.
Tip: After importing, your app refreshes immediately.
🧾 Audit Log (Read-only)
Internal history of confirmations/reconciliations (rollovers, edits, etc.).