Documentation & Help

Creating Your Account

Sign up with your email or Google. After login, a starter scenario is ready so you can add items right away.

• Use a strong password you don't reuse elsewhere.
• Set your display currency in Profile to match your region.

Setting Up Your First Scenario

Scenarios help you compare plans (e.g., "Baseline", "Move Abroad"). Add or switch scenarios from the toolbar when planning.

• Give clear names so comparisons are easy later.
• Assign items to the scenario you're modeling.

Adding Financial Items

Add income, expenses, balances, savings, investments, and pensions. Fields adapt to the category you choose.

• Set start date and recurrence pattern (once, daily, weekly, monthly, quarterly, yearly)
• Optional stop date - leave empty for indefinite/ongoing items
• Amounts are per recurrence period (e.g., $5,000 monthly salary, $100 weekly expense)
• Choose the item's currency; amounts are stored exactly

Understanding the Dashboard

See monthly cash flow, totals, and long-term projections. Use filters to switch scenarios and time ranges.

• Hover charts to view exact monthly values.
• Export reports to share your plan.

Recurrence Types

Choose from multiple recurrence patterns to model your financial items:

• None (One-time): Occurs once on the start date
• Daily: Repeats every day (useful for very frequent transactions)
• Weekly: Repeats every 7 days (e.g., weekly expenses)
• Monthly: Repeats on the same day each month (most common for salaries and bills)
• Quarterly: Repeats every 3 months (common for business expenses)
• Yearly: Repeats annually on the same date (insurance, subscriptions)

Indefinite Items

Leave the stop date empty to create ongoing items that continue indefinitely:

• Perfect for long-term planning: Model ongoing salary, rent, utilities
• Forecast visibility: Items continue until the end of your forecast period (3-30 years depending on your plan)
• Easy updates: Add a stop date later when circumstances change

Daily Recurrence Calculations

Daily recurring items are calculated with precision:

• Exact day count: Multiplied by actual days in each month (28-31)
• Example: $10/day = $310 in January (31 days), $280 in February (28 days)
• Use cases: Per diem rates, daily consulting fees, subscription prorations

Setting Your Display Currency

Pick your preferred currency in Profile. The app shows values in that currency for a consistent view.

Adding Items in Different Currencies

Choose from 165+ global currencies when adding financial items. The app automatically handles conversions and mixed-currency portfolios.

• Perfect precision when display currency matches item currency
• Supported currencies include major (USD, EUR, GBP, JPY), emerging markets (BRL, INR, MXN), Middle East (AED, ILS, SAR), Asian (CNY, KRW, SGD), African (ZAR, EGP, NGN), and many more

Exchange Rate Updates

Live exchange rates for all 165+ supported currencies are fetched hourly from ExchangeRate-API and cached for optimal performance.

• Rates update automatically every hour
• Supports currencies from every continent and region
• Fallback rates ensure the app works even if the API is temporarily unavailable
• All calculations use USD as the base for consistency

Sharing Scenarios

Share financial scenarios with partners, family members, or financial advisors. Click the "Share" button on any scenario to invite collaborators.

• Invite by username or email address
• Collaborators receive access immediately upon being added
• You can share the same scenario with multiple people

Permission Levels

Control what collaborators can do with your scenarios:

• Owner (You): Full control - manage items, collaborators, and delete the scenario
• Editor: Can add, modify, and delete financial items in the scenario
• Viewer: Read-only access - can view forecasts and items but cannot make changes

Managing Collaborators

As the scenario owner, you have full control over collaborators:

• Change permission levels at any time (Editor ↔ Viewer)
• Remove collaborators to revoke their access
• View all current collaborators and their permission levels

Income & Expense Tracking

Add recurring or one-time items to see monthly net flow. Spot surplus/deficit months quickly.

Investment Management

Model deposits, existing funds, growth, and fees. The app applies deposit fees monthly and saving fees annually.

Capital Gains Tax

Configure capital gains tax to accurately model real-world investment growth:

• Tax Rate: Set the percentage of capital gains subject to tax (e.g., 15%, 20%, 25% depending on your jurisdiction)
• Annual Exemption: Specify yearly tax-free gains threshold (common in many tax systems)
• Automatic Calculation: Tax is calculated monthly on interest/growth earned, not on contributions
• Applies to: Saving and Investment category items only

Retirement Planning

Create long-term scenarios with realistic assumptions. Compare different strategies and share with your financial advisor to optimize your retirement plan.

Forecasting & Projections

See month-by-month projections and yearly summaries. Use them to make confident decisions.

Upgrading & Billing

Premium subscriptions are managed securely through PayPal:

• Easy Upgrade: Click "Upgrade" in the app or visit the Pricing page
• Secure Checkout: All payments processed by PayPal (PCI DSS Level 1 certified)
• Monthly Billing: $6/month for Premium, $12/month for Pro - billed automatically
• Cancel Anytime: No contracts - cancel through your Profile → Subscription or PayPal account
• Access Until Period End: If you cancel, you keep Premium features until the end of your billing cycle

Data Encryption

Sensitive amounts and rates are protected with field-level encryption. Only you can see your financial data when signed in.

Account Security

Protect your account with multiple layers of security:

• Two-Factor Authentication (2FA): Enable TOTP-based 2FA in your Profile → Security settings. Use any authenticator app (Google Authenticator, Authy, Microsoft Authenticator) to generate time-based codes for login.
• Strong Password: Use a unique, strong password and avoid sharing credentials.
• Backup Codes: When enabling 2FA, save your backup codes in a secure location in case you lose access to your authenticator app.

Data Backup

Export your plan anytime for personal records. Backups keep your data safe so you can focus on planning.

Cookie & Analytics Settings

We use anonymized analytics to improve our service based on legitimate interest. You have full control:

• Analytics by Default: We enable anonymized usage analytics to understand how users interact with features. IP addresses are anonymized, and no personal financial data is ever shared.
• Easy Opt-Out: You can disable analytics anytime from Profile → Privacy & Data Management or our Cookie Policy page
• No Advertising: We never use tracking for advertising or sell your data to third parties.
• GDPR & CCPA Compliant: Our approach follows privacy regulations with transparent processing and easy opt-out mechanisms.