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01 / FLOW Money Manage cash flow, build resilience, prepare for large decisions, and turn income into usable options. 02 / CAPITAL Investing Build portfolios around goals, time, risk capacity, implementation costs, and the behavior required to stay invested. 03 / LEVERAGE Credit Understand reports, scores, cards, loans, repayment, financing costs, and the protections available to consumers. 04 / SIGNALS Macro Understand monetary policy, inflation, rates, labor, fiscal choices, currencies, trade, and the data behind economic narratives. 05 / CONTROL Strategy Use financial theory, behavioral insight, risk analysis, and scenario planning to make choices that remain useful as conditions change. 06 / INFLOW Earn Compare careers, remote work, freelancing, business, online income, work abroad, relocation, and portable earning paths.
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AppsBudgeting and Expense TrackingAvailable

Budget Planner & Expense Tracker

Plan monthly income and spending, track transactions, manage recurring costs and savings goals, and review private browser-based reports without creating an account.

budget planner · expense tracker · monthly budget · cash flow · recurring expenses · savings goals · CSV import · OFX · QFX

Plan and track the same month

Set planned income and category limits, then record actual income and expenses as they happen. The overview keeps the plan, spending, remaining budget, and estimated savings in one place.

Recurring costs, imports, and backups

Create recurring transaction templates for bills or income, import transactions from CSV or OFX/QFX files, and export a JSON backup when you need a portable copy of the complete local plan.

Privacy and storage

The app runs in the browser and does not require an account or bank connection. Local storage keeps the current plan on the device. Clearing browser data removes that local copy unless a JSON backup was exported first.

Limitations

The app organizes the values you enter. It does not verify bank records, reconcile accounts automatically, convert currencies, forecast income, or provide financial, tax, legal, or investment advice.

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