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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 clearsmonth of last EMI
Car clearsmonth of last EMI
Baseline
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
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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. Restoring a settings-only
file fills in missing settings and leaves your log alone.
Baseline figures are entered by you and kept only in this browser. 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.