Personal Budget
List everything you pay for, say how often it recurs, and the table works out both the monthly and the yearly figure for you. Enter a cost once, at whatever frequency it actually arrives — annual software, a quarterly bill, a weekly habit — and the totals stay honest. Mark your pay as income to see what is genuinely left over.
Linked tools
Subtotals from your other planners are only counted when switched on here. Cash is money that actually moved this year; realized gains are locked in by a sale; unrealized change is paper only, reported as of today, and never counted as cash. Items already tracked in Metals are skipped on the ownership side so nothing is counted twice.
| Item | Category | Type | Amount | Frequency | Person | Active months | Yearly | Monthly | Span | End | Remove |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total expenses | — | — | |||||||||
| Income less expenses | — | — | |||||||||
People
Assign income and expenses to a person, or leave them as household. Both views reconcile to the same rows.
Month by month
Expenses across the year — a line that stops mid-year shows as a step
Where the money goes
Monthly spend by category
Biggest lines
Top monthly costs
