The beginning. ✨ A zero-based budgeting app built from the ground up — designed to give every dollar a purpose.

💰 Core Budgeting

• Zero-based budget engine — assign every dollar to a category until "Ready to Budget" hits zero
• Monthly budget table with drag-and-drop category and group reordering
• Auto-budget actions — budget last month's amounts, average spending, cover overspending, fund underfunded goals, and more
• Carryover balances — unspent money rolls forward automatically
• Multi-budget support — separate personal, business, or joint finances

🧾 Transactions

• Full transaction management — add, edit, delete, and categorize
• Split transactions — divide a single payment across multiple categories
• Scheduled & recurring transactions — plan ahead with future-dated entries
• Pending transaction support — track transactions before they clear
• Bulk actions — select multiple transactions for batch edits or deletion

🏦 Accounts

• Budget & tracking accounts — checking, savings, cash, investments, loans, mortgages
• Credit card support — automatic payment category creation, spend tracking, and underfunded alerts
• Account reconciliation — verify balances against bank statements
• Plaid bank linking — automatic transaction import (admin-controlled)
• Transfers between accounts with automatic paired entries

🎯 Goals & Progress

• Savings goals — set targets with flexible strategies (target by date, monthly contribution, open-ended)
• Goal progress tracking — visual indicators showing funded, on-track, and underfunded status
• Goal snoozing — temporarily pause goal tracking for specific months
• 3-level progress display — toggle between All, Compact, and Minimal views

📊 Analytics

• Spending breakdown charts — see where your money goes by category and group
• Net worth tracking — monitor total assets vs liabilities over time
• Income vs expense trends — monthly and yearly comparisons
• Configurable date ranges and filters

🚀 User Experience

• Command palette (⌘K) — quick access to every action
• Keyboard shortcuts — T (transaction), C (category), G (group), A (account), and more
• Desktop side panel — real-time category details, goal progress, and monthly notes
• 🌗 Dark mode, light mode, and system theme
• 📱 Installable PWA — add to home screen on any device
• Responsive design — full-featured on desktop and mobile
• 📚 Help center — searchable documentation for every feature
• 📦 Data export — download everything as JSON, anytime