REGULAR MONTHLY TAKE-HOME
—
52 weekly paychecks averaged over 12 months,
plus your phone allowance.
Four-paycheck month —Bonuses kept separate
JOSEPH'S PERSONAL FINANCES
Overview
BUDGETED MONTHLY OUTFLOW
—
Listed bills + Roth IRA
After bills and a gross school reserve
—Before unlisted spending; excludes bonuses and reimbursements.Posted spending
—
Selected month · USDPosted inflows
—
Includes refunds · excludes transfersNet cash flow
—
Inflows less spendingWhere it went
THIS MONTHRecent activity
Budget estimates and bank activity are separate. Missing accounts, delayed imports, or classification errors can affect totals.
| Date | Merchant | Category | Amount | Spending total |
|---|
No transactions in this month.
Transfers and credit-card payments are excluded by category. Review classifications; use “Include” or “Exclude” to correct them. Pending transactions never enter posted totals.
A plan for every paycheck
Cover the essentials, then decide where the rest goes.
YOUR NEXT CHAPTER
Germany trip
per Thursday paycheck
Edit savings goal
Track only money reserved for this goal. This does not move money or add your entire savings balance automatically.
What has been paid?
Matched against the selected month. Confirm uncertain payments yourself.
Spend less. Keep more.
Starting monthly targets for the three categories you want to cut. Edit them, then Save changes.
These caps cover bank spending categories, including any subscriptions in those categories. Do not add them again to your bills. Unused targets are potential savings, not available cash.
Monthly commitments
BILLS + SAVINGSYour recurring amounts. Edit a name or amount below.
Average remaining with bonuses and school reimbursement—
Your bank connections
Only connect each bank login once.
Bank linking requests transaction data. This app has no payment or transfer tools. Disconnect removes the connection and its imported records from this app. OpenBudget connections are managed separately.
Two-step verification
Loading security settings…
In Google Authenticator, tap +, then Scan a QR code. Scan this code and enter the six-digit code below to finish.
Cannot scan? Choose Enter a setup key in your authenticator, select Time based, and use this key:
Keep your authenticator backup secure. Server administration is required if you lose access.
Let's talk about your money
Start with a question about the selected month.
Conversations are saved encrypted on your server. Relevant financial data and recent messages are sent to OpenAI. Check answers against your transactions.