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WELCOME TO YOUR PERSONAL FINANCE OS
Complete the setup once, then use the system as your simple financial routine.
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Choose your primary currency below. Included: USD, EUR, GBP, CAD, AUD, MXN, COP, ZAR, PHP, PAB and Other.
Keep the included categories, rename them or add your own to match your real life.
Set up your accounts, monthly budget, recurring bills, savings goals and debts from their main pages.
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Your main recurring habit: record every money movement in INCOME & EXPENSE TRACKER. For every transaction, always select Financial Period (for example, September 2026). This is what connects the transaction to the correct monthly and annual totals. Connected views then reuse that record throughout the system.
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Daily / Weekly → Record transactions + select Financial Period
Beginning of Month → Set budget targets
During the Month → Review bills, savings and debt
Month-End → Open Financial Dashboard
Yearly → Review Annual Overview + Net Worth
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Example data included. Explore it first so you can see how the system works. Then replace or delete the demo records before using the template with your own finances.
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Transaction date, amount, type, category, account and Financial Period. Financial Period is required for every transaction. When applicable, also connect the transaction to a Budget Item, Savings Goal or Debt.
Month and year references, cash-flow direction, budget spending and remaining amount, savings progress and debt progress. For Net Worth, you update each account’s Current Value periodically; the system applies the asset/liability treatment automatically.