How do I track my income and bills?
Click 'Add entry', choose whether it's incoming or outgoing, fill in the item name and amount, then set how often it repeats – monthly, every 3 months, yearly, or a one-off on a set date. Your entry is saved to your account straight away and slots into the list on the day it's due, with the figures at the top updating automatically.
How do I set my pay cycle?
Open Settings. If you're paid monthly, set 'Cycle starts on' to the day (or rule, like 'last working day') you're usually paid, and the tracker works to that budgeting month rather than the calendar one. If you're paid weekly, fortnightly or every 4 weeks, choose that under 'Pay cycle' and give any recent pay day as the start date – the tracker then counts forward and back from it in fixed steps. Either way, 'still to leave your account' only counts what's left before your next pay day, not bills that already went out last cycle.
What about weekends and bank holidays?
The 'last working day' and 'first working day' rules skip Saturdays, Sundays and UK bank holidays. Pick the right calendar under Settings → Bank holidays (England & Wales, Scotland or Northern Ireland); the list is kept up to date from gov.uk.
How are yearly and quarterly bills handled?
A yearly bill counts as one twelfth of its amount towards every cycle (a quarterly one as a third), so you're always setting a little aside – on a weekly or 4-weekly cycle that share is scaled to the length of the cycle. The full amount then shows as a real payment in the cycle it's actually charged, based on the first-charge month you pick, and quarterly and yearly rows show their next charge date in the list.
Can I edit or delete an entry later?
Yes – open the three-dot menu on any entry to edit, copy or delete it. Copying is handy for recurring bills that only change slightly month to month.
What do the figures at the top mean?
'Still to leave your account' is the headline – what's yet to be paid before your next cycle, including the amount being set aside for annual and quarterly bills. The progress bar splits that against what's already gone out. The tiles beside it show income you're still expecting, what's left once everything balances, and how much you've paid so far this cycle. Below, a projection shows how your balance moves across the cycle and where your outgoings go – and warns you if it's set to dip below zero (or below a buffer you set). A 'Next cycle' panel gives the same going-out / coming-in / left-to-spend figures a cycle ahead.
Is my financial data secure?
Your entries are stored against your account and only accessible when you're signed in – nobody else can see or edit your data.
What can I use this tracker for?
- Keeping a monthly overview of income and outgoings
- Spotting which bills fall due around the same time
- Working out how much spending money is left each month
- Categorising expenses to see where money is going
- Logging recurring costs like fuel, worked out with the fuel calculator
Does it work out my day-to-day budget for me?
It shows your totals and balance, but for more detailed sums – like splitting a budget across percentages or averaging your spending – try the percentage calculator or average calculator alongside it.