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⚠
Couldn’t load your data
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Add Transaction
Enter the transaction details below
Creates two linked transactions: money out of the From account, money in to the To account.
Match future transactions containing this text to —:
Is this money moving between two of your accounts?
New category
This category does not exist yet. Set it up before it is created — categories are shared across every screen, so its name and section decide where it appears in your Cashflow.
New account
The account type groups it in the Cashflow and Cash Forecast views, and decides whether it counts towards your total cash — so set it now rather than leaving it untyped.
Linked transfer
Where do these belong?
Change history
Schedule
Make recurring
Duplicate Entry
Edit the copy below, then save it to the ledger. Amounts are in pesos (₱); a negative amount is money out.
RI
Review import
0ready0excluded
Reconcile Account
Review budget entries
Apply to all
Are you sure?
What would you like to add?
Pick the one that sounds like what happened. Nothing is saved until you fill it in and confirm.
Rename
Check these rows before they go into your ledger
Select account
Match your columns
Caldrix Cashflow
Personal Finance
✓ Connected
Home
Your balance to the end of the month
Budget vs Actual
Spending Breakdown
Income Summary
Income vs Expenses
FromTo
IncomeExpenses
Budget Progress
Category Summary
Category
Actual
Budget
Difference
Status
Money In & Out
📝 Click any cell to edit it · Tab or Enter saves it and moves on · Esc cancels · click a column heading to sort · tick rows to edit or delete them together · type in the bottom + row to add a transaction.
DateWhat it wasCategoryAccountAmountBalanceStatus⋯
0 selectedSettoClear
Monthly Plan
to
Click a ▾ header to fold a section · drag a row (⠿) to reorder it · click a figure to see the transactions behind it. Hide unused accounts and categories in Settings.
📊 Variance = actual − budget. A positive figure is favourable either way: spending less than you budgeted and earning more than you budgeted both come out positive.
⚠ These are month-end balances. An account can dip below zero mid-month and be
back above it before the month closes, and this table would not show that at all — a cell is
only marked when the month ends below zero. The overdrawn warning itself, which checks
every single day and names the account, the day, the cause and the amount to move, is on the
Daily Cash Forecast.
▦
No data yet — import transactions to see the cashflow.
Daily Cash Forecast
Which dates?
Days
Account columns
Click a date row ▸ to open its transactions · click a transaction to see it in Money In & Out · the lowest cash day is highlighted and opens on arrival.
Mortgage
Mortgage settings
Interest rate schedule (annual %, effective from)
Monthly repayment schedule (£, effective from — for historic changes)
One-off overpayments (optional — lump sums that reduce the balance)
Post to Transactions
Creates a Mortgage Capital repayment on the repayment day and a Mortgage Interest charge on the last day of each month, on the Mortgage account (past months as Actuals, future as Budget). Re-running replaces previously generated mortgage entries in the range — your other transactions are untouched.
Balance forecast
Peso Account
1 £ =₱as at
Balance over time (₱)
FromTo
Transfers In — GBP equivalent at the time
Every GBP→PHP transfer you funded. Click a £ cost or rate cell to record what it actually cost you in sterling — the other figure is worked out for you.
Ledger — running balance
Sort
Add allowances, expenses, transfers and interest below — the running balance recalculates automatically. Sort by date or original entry order (top-right). Click any cell to edit; use ⧉ to duplicate a recurring row — a pop-up opens so you can edit the copy before it's saved. A negative amount is money out.
Category Analysis (₱)Pivot of every PHP entry — summarised by category.
Rows — drag to reorder, tick to include
⠿
⠿
⠿
⠿
⠿
Values — columns to total
Hidden categories (managed below) drop out of this pivot. Tick the row fields to group by and the value columns to total — like the GBP Analysis page.
PHP Categories — activate / hide
Your (PH) categories. Add a new one (the “(PH)” suffix is added automatically) or toggle Active/Hidden — hidden categories drop out of the Category Analysis above (their entries keep the label).
Settings
Preferences, the accounts and categories the app uses, and the destructive actions.
How much do you want on screen?
Simple is the default. Nothing is ever removed by this switch —
Repeating Bills, the Monthly Plan, the Daily Cash Forecast and Analysis are all under
Planning & Analysis in the top bar, and the Mortgage and Peso account under
Advanced tools beside it. Every one of them is there in both modes, and
every figure is identical either way.
Your choice is remembered until you change it, on every device you sign in from.
Help & tour
Every page also has its own ? Help button, which walks that page's process in order.
Appearance
Applies on every device you sign in from.
Dashboard header
Home now uses the same white card as the rest of the app, in both
themes, so there is no longer a dark banner to choose a style for. Light and dark are set
by Appearance above.
Subscription
Checking your subscription…
Add or remove the accounts and categories used across the app. Removing one leaves it on the transactions that already use it; it only disappears from the dropdown lists. Each category belongs to a cashflow group. Toggle Active/Hidden to drop an item from the Cashflow view without deleting it — hidden items reappear (with an alert) if they get a transaction in the current month. Drag ⠿ to reorder accounts and categories here; category order can also be adjusted on the Cashflow page.
On dashboard / Off dashboard (Rev BB) is a separate switch: it decides whether a category is part of the Dashboard's budget comparison — the spending breakdown, the income summary, income vs expenses, budget progress, the category summary and the header band. Use the switch on a section heading to move every category in it at once.
Your accounts
Your categories
Groups start closed. Open the one you need — or just search, which looks inside every group at once.
Account typesThe parent groups accounts are filed under
This order is also the column order on the Daily Cash Forecast — each type is its own collapsible section there, and moving one in either place moves it in the other. Drag ⠿ to reorder, or use ▲▼.
Cashflow sectionsThe parent groups categories are filed under
This order is the section order on the Monthly Cashflow page. Drag ⠿ to reorder, or use ▲▼. Each section also reports into a summary group — that is the level the Dashboard's header band totals at.
Summary groupsThe top level — what the Dashboard's header band totals at
Every cashflow section reports into one of these, and the Dashboard's header band shows one row per group (a group with nothing in it this month is hidden automatically). Set which group a section belongs to with the picker beside it above. Drag ⠿ to reorder — this is the row order in the band.
Money moved between your own accounts
This has moved. Each category now carries a Transfer pill on its
own row under Your categories, above — so every setting for a category is in
one place.
Backup
Download a complete spreadsheet backup, or export one table at a time.
Restore
Load a full .xlsx backup or a single-table .csv. The data is merged — newer entries win and nothing already saved is lost. Older .json backups still work.
Danger Zone
Delete all data. This cannot be undone.
Permanently delete your account and sign-in — cancels any active subscription first, then removes your account entirely. Unlike "Clear All Data" above, this cannot be reversed and you can't sign back in afterwards.
Analysis
Ask a question about your money
Start with one of these, or build your own below.
Drag the numbered chips to change the order — Category then Month is a different table from Month then Category.
The detail
Click any figure to see the transactions behind it.
Figures in (brackets) are money going out.
Repeating Bills
Set up income and bills that repeat on any cadence — weekly on a chosen day, monthly, every 2 months, quarterly, every 6 months, annually or bi-annually. Optionally shift a weekend due-date to the next working day, give each occurrence a moving description, and pay from one account to another as a linked transfer. Generate creates the future entries; existing ones are never duplicated.
Every rule you have set up. Tick to switch a rule on or off · ✎ edits it in the Set up a rule tab · Schedule lists every occurrence, where you can move a date, change one amount or skip one · ✕ deletes the rule (the transactions it has already created are kept).
Each rule shows what it is, how much, which account, how often, and when it next falls due. Amounts are coloured by direction — red leaves your account, green arrives.
Import From My Bank
Bring in bank statements and spreadsheets, back up your data, and manage the rules that categorise transactions for you.
CSV, TSV, Excel (.xlsx / .xls) and OpenDocument (.ods). The format is detected automatically for Monzo, Santander, Halifax, Nationwide, Lloyds, Starling Bank, HSBC, Barclays and card statements. Anything else opens the column mapper, where you say which column is which — and that mapping is remembered for next time.
🗂️
Drop any file with a table in it
Excel (.xlsx / .xlsm / .xls), OpenDocument (.ods), CSV, TSV, plain text and PDF.
The columns do not have to be named anything in particular, and the table does not
have to start at the top of the page — you will be shown your own columns and asked
which of the app's fields each one is. That mapping is remembered, so the next file
in the same layout imports without asking.
What the app needs: a date, an amount, and an account. Everything
else — category, notes, budget or actual — can be mapped if your file has it, set to one
fixed value for the whole file if it does not, or left to the learned categorisation rules.
A file with no date column at all is fine: choose “one fixed date” in the mapper.
PDF: the table is read from the PDF’s text layer. A scanned image of a
statement has no text layer, so nothing can be read from it — export or print it to a
spreadsheet or CSV first.