Spendable today
—

Bank

Balance now
Floor you keep
Free to spend

The month

Committed Spent Left
Take-home
CommittedEMIs, SIPs, staff, subscriptions
Spent this month
Left

Cushion

Reachable moneyfunds, stocks, bonds, bank
Months covered

Everything logged

Corrections reconciliations you have made

Net worth
—
Yours alone, after everything you owe

Own

Mutual funds
Stocks
Bonds
Bank
EPF + PPF + NPSlocked till 58/60
Cardepreciating
Total

Owe

Car loan
HDFC personal loan
Net worth

Debt

Going out each month
Share of take-home
HDFC clears
Car clears

Fixed 23 Aug 2026 — not editable

Opening bank balance₹2,00,000
Net take-homeJune 2026 payslip₹2,58,719
Meal cardfood only, never hits bank₹10,000
HDFC loan13%, EMI ₹21,370₹3,30,000
Car loan7.6%, 60 months, first EMI Sep 2026₹16,00,000
Car EMI₹32,136
Car on-roadincl. ₹3,81,977 paid 22 Aug₹19,81,977
The bank balance is calculated forward from these.
You never type a balance — you type what you spent, and the balance follows.

Adjustable change, then save

Rules
Committed each month
Refresh from INDmoney
Everything saved

Reconcile true it up against iMobile

Backup

Not saved yet
Everything is stored in this browser only, so your phone and laptop keep separate copies. Download a backup every few weeks and after any month you care about — it is the only way the data survives a cleared browser or a move to another device.
Baseline from the June 2026 payslip, INDmoney holdings and ICICI alerts to 22 Aug 2026. The house is excluded. Don't log anything paid with the meal card — that money never passes through the bank. Not investment or tax advice.