Everything you need to take control of your finances, all in one place.
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Frequently Asked Questions
Welcome back,
Financial overview
Your complete money picture at a glance.
Monthly income
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Total expenses
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Net saved
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Savings rate
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Cashflow snapshot
Add income and expenses in Budget to see cashflow.
Savings snapshot
Total saved
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Across all goals
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Investment snapshot
Portfolio value
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Total gain/loss
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No holdings yet.
Net worth snapshot
Total assets
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Liabilities
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Net worth
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Add assets and liabilities in Net Worth.
Budget
Track income, expenses, and your 50/30/20 breakdown.
Total income
$0
Total expenses
$0
Savings
$0
Leftover
$0
Your recommended 50/30/20 split based on income
Needs (50%)
$0
Wants (30%)
$0
Savings (20%)
$0
Percentage of your income spent
Needs (0%)
$0
Wants (0%)
$0
Savings (0%)
$0
Expense status
🟢Needs — add expenses to see status
🟢Wants — add expenses to see status
🔴Savings — add expenses to see status
Expense breakdown
Needs
Wants
Savings
Leftover
Expected vs actual
Total income
$0
Income sources
No income sources added yet.
Add income source
50/30/20 recommendation
Based on $0 monthly income
Needs 50%
Wants 30%
Savings 20%
Needs$0
Wants$0
Savings$0
Category insight: Add your income to see personalised 50/30/20 recommendations.
Totals by category
Needs
$0
0 items
Wants
$0
0 items
Savings
$0
0 items
Expense tracker
CategorySectionPlannedActualDiff
No expenses added yet.
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Savings tracker
Contributions made in this month
Contributed this month
$0
Goals contributed to
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Goals on track
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Click any goal to view and edit it in the Savings section.
No goals yet.
Month-to-month comparison
MonthIncomeExpensesSavingsLeftover
No months recorded yet.
Savings
Goals, emergency fund, sinking funds and savings calculator.
Total saved
$0
Active goals
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Avg progress
0%
Total contributions
$0
Total saved across all goals
$0
Goals
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Sinking funds
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Avg progress
0%
Total contributed
$0
Savings breakdown by goal
Goals at a glance
No goals yet.
Month-to-month savings comparison
MonthTotal SavedContributedAvg Progress
No months recorded yet.
What are savings goals?
A savings goal is a specific target you are working towards: a holiday, house deposit, new car, or anything meaningful to you. Setting clear goals makes saving intentional rather than accidental.
Your goals
No goals yet.
Add a goal
What is an emergency fund?
An emergency fund covers unexpected expenses — job loss, medical bills or urgent repairs. Most experts recommend saving 3–6 months of essential living expenses.
💰
Start with 1 month
Even saving one month of expenses gives you a real financial buffer. It is the first milestone that turns into three, then six.
🏦
Keep it separate
Store it in a dedicated high-interest savings account. Keeping it separate prevents accidental spending and makes it easier to track your progress.
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Automate contributions
Set up an automatic transfer on payday before you can spend it. Automation removes the temptation and ensures consistent progress even on busy months.
🎯
True emergencies only
Reserve this fund for genuine emergencies: job loss, unexpected medical bills, urgent home or car repairs. Holidays and shopping are wants, not emergencies.
🔁
Replenish after use
After using any part of your emergency fund, make rebuilding it your number one financial priority. Treat replenishment like a bill that must be paid.
Emergency fund calculator
Months of cover?
Total monthly expenses?
Currently saved for emergencies?
Monthly contribution to this fund?
Summary
Currently saved towards fund
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Total emergency fund target
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Remaining to reach target
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Months remaining
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Progress0%
A sinking fund is money set aside gradually for a planned future expense.
Your sinking funds
No sinking funds yet.
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All contributions
No contributions logged yet.
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How much will my savings grow?
See how your savings compound over time.
Projected savings
$0
Total contributed
$0
Interest earned
$0
How much do I need to save monthly?
Work backwards from your target.
Required monthly saving
$0
per month to reach your goal
Debt Tracker
Track, manage and plan your way to debt freedom.
Total debt
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Total paid
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Monthly minimum
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Active debts
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What is the debt tracker?
Add each debt you owe — credit cards, loans, mortgages — and Spense will track your balances, calculate interest, and build a payoff plan. Payments you log here also update your Net Worth automatically.
Quick tips
1.Add all your debts with their current balance and interest rate.
2.Log every payment — even minimums — to track progress.
3.Use the Payoff Planner to see your debt-free date.
Track every trade you make: what you buy or sell, when, and what you paid. Totals are automatically converted to your local currency using the live exchange rate at the time of the trade.
This section helps you record your trades, track performance, and understand your portfolio. You can calculate returns, adjust for exchange rates, and view how your assets are allocated over time.
Not sure of a ticker? Search the company name on Google Finance. Replace the sample trades with your own entries. The more accurate your data, the more reliable your portfolio tracker will be.
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Trade summary
Est. stock price
Local commission
Total local price
Total received
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This year
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Reinvested
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Withdrawn
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Payments logged
0
No dividends logged yet.
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Enter amount and price to see estimated shares
Asset allocation
Return by exchange
No holdings yet.
Return by holding
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Your watchlist
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What is compound growth?
Compound interest means you earn returns on both your original investment and on the gains you have already made. The longer you invest, the more powerful this effect becomes.
📈
Start early
Time in the market is the most powerful factor. Starting 10 years earlier can double your final portfolio.
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Invest consistently
Regular contributions smooth out volatility. You buy more when prices are low.
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Reinvest dividends
Reinvesting returns accelerates compounding. This is why index funds grow so effectively.
📊
Diversify
Spreading across asset types and geographies reduces risk without sacrificing long-term growth.
Investment calculator
Starting amount
Annual return rate (%)
Investment period (years)
Regular contribution
Inflation adjustment (optional)
Annual inflation rate (%). Shows real purchasing power.
Projected value
Nominal value
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Real value (inflation-adjusted)
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Total invested
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Gains earned
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Invested vs doing nothing
What your money becomes investing vs leaving it at 0%
Invested
Just saved (0%)
Real value
Net worth
Assets, liabilities, debt ratio, and your full financial picture.