Help Center

On the login screen, click Create Account. Enter your email address and choose a strong password (at least 8 characters). You'll be logged in immediately — no email verification required to start.

The Dashboard is your home base. At a glance you'll see your total balance, financial health score, Safe-to-Spend number, any cash flow warnings, and a personalized action feed with recommendations. It updates automatically as you add data.

Go to the Accounts tab and click + Add Account. Enter a name (e.g. "Chase Checking"), the account type (checking, savings, investment, etc.), and the current balance. Start with your main checking account to see your real net worth.

Head to the Transactions tab and click + Add. Log a recent expense or income to see how the dashboard responds. Your financial health score, budget progress, and action feed all update in real time.

If the app feels overwhelming, go to Settings and enable Beginner Mode. This simplifies the navigation, hides advanced tabs, and adds "Explain This" buttons throughout the app that give plain-English explanations of financial concepts.

Click + Add in the Transactions tab. Fill in the Description (e.g. "Grocery run"), the Amount, the Date, and select a Category. Choose whether it's an Expense or Income, then click Save.

Click on any transaction row to open its edit panel. Change any field and click Save, or click Delete to remove it permanently. Changes are reflected immediately across all charts and summaries.

Use the search bar to find transactions by description or amount. Use the category filter to narrow results to a specific spending category. Use the date range picker to view any time period.

When you assign a transaction to a category (e.g. "Food & Dining"), it automatically counts against any budget you've set for that category. Check the Budgets tab to see your spending tracked against your limits.

Go to Settings → Backup & Restore → Download Backup to export all your data (including transactions) as a JSON file. You can also import your data back at any time using Restore Backup.

Go to the Budgets tab and click + Add Budget. Choose a spending Category (e.g. Food & Dining), enter a monthly Limit amount, and click Save. You can create as many budgets as you like across different categories.

Each budget card shows a progress bar with how much you've spent vs. your limit this month. Transactions you add in the Transactions tab automatically count toward the matching budget category.

• Green — you're comfortably within budget
• Yellow — you've used 75–99% of your budget
• Red — you've exceeded your budget for the month

Click the pencil icon on any budget card to edit the limit or category. Click the trash icon to remove the budget. Removing a budget does not delete any transactions — it just stops tracking spending against that limit.

In the Accounts tab, click + Add Account. Enter the account name, type (Checking, Savings, Credit Card, Investment, Loan, etc.), and current balance. For debts and credit cards, enter the balance as a negative number so your net worth calculation is accurate.

The Net Worth figure at the top of the Accounts tab is everything you own minus everything you owe. It's calculated automatically from all your account balances. A growing net worth over time is the best sign of financial progress.

Click on any account card to edit its balance. Keep balances current (weekly or after major transactions) for an accurate net worth picture. You can also track your net worth history by logging snapshots over time.

Include your home's market value, car value, and any other valuable assets. Add your mortgage, car loan, and credit card debts as negative balances. The more complete your account list, the more accurate your net worth.

Go to the Bills tab and click + Add Bill. Enter the bill name (e.g. "Netflix"), amount, due date, and how often it recurs (monthly, weekly, annually, etc.). Click Save and it will appear on your bills calendar.

The bills calendar shows all upcoming payment due dates at a glance. Days with upcoming bills are highlighted so you can plan your cash flow and make sure funds are available before each due date.

When you pay a bill, click on it and select Mark as Paid. This logs the payment and clears it from your outstanding balance view. For recurring bills, the next occurrence will appear automatically.

The Dashboard runs a 30-day simulation of upcoming bills against your current balance. If your balance is projected to go negative or drop dangerously low before a bill is due, a warning card appears on the dashboard so you can plan ahead.

Go to the Goals tab and click + New Goal. Give it a name (e.g. "Emergency Fund"), set the Target Amount, and optionally set a Target Date. The app will calculate how much you need to save per month to reach it on time.

Click on any goal and select Add Contribution. Enter the amount you're setting aside. This increases the goal's progress bar and is factored into your Safe-to-Spend number on the dashboard.

Each goal card shows a progress bar, the amount saved vs. target, and your monthly contribution needed. If you're on track, the bar is green. If you're behind your target date, it turns yellow or red.

You can have multiple goals running simultaneously — emergency fund, vacation, down payment, etc. The dashboard's action feed may suggest re-prioritizing contributions if one goal is falling behind.

Go to the Vault tab and click Upload Document. Select a file from your device (PDFs, images, and common document formats are supported). Give it a label or description, choose a category, and click Save.

Assign documents to categories like Tax Documents, Insurance, Contracts, Bank Statements, and Receipts. Use the filter at the top of the Vault to quickly find documents by category.

Click any document card to view it inline (for supported file types) or click Download to save it back to your device. Documents are stored securely and are only accessible to you.

Enable Privacy Blur from the Settings menu (or the padlock icon) to hide all financial figures and document names when others might see your screen. The blur applies across the entire app instantly.

Go to the Reports tab. Select any past month from the dropdown to view a full breakdown of income, expenses by category, top spending areas, and how your month compared to the previous one.

The donut chart shows your spending split by category for the selected month. Hover over any slice for exact amounts. Larger slices indicate higher spending in that area relative to your total expenses.

Use the month selector to compare how your spending changed over time. The report highlights categories where you spent more or less than the previous month, helping you spot trends without manually comparing numbers.

Enable Monthly Email Reports in Settings to receive a summary of each month's finances automatically in your inbox. This gives you a passive monthly check-in without needing to log into the app.

Go to the Investments tab and click + Add Holding. Enter the asset name or ticker symbol, number of shares (or units), and your cost basis (what you paid per share). The app tracks your total investment value and gain/loss.

In the Dividends section of the Investments tab, log dividend payments as you receive them. The app tracks your total dividend income and shows your yield-on-cost over time.

Edit any holding to update its current price per share. This recalculates your total portfolio value and unrealized gain/loss automatically. Keep prices current to see an accurate investment picture.

The Investments tab shows how your portfolio is allocated across different holdings. Use this to ensure you're diversified — if one holding represents more than 10–15% of your portfolio, you may be over-concentrated in that asset.

Go to the Debt tab and click + Add Debt. Enter the debt name (e.g. "Visa Card"), current balance, interest rate (APR), and minimum monthly payment. Add all your debts — student loans, credit cards, car payments — for a complete picture.

The planner supports two strategies:

• Avalanche — pay off the highest-interest debt first. Saves the most money in interest over time.
• Snowball — pay off the smallest balance first. Provides quick wins and momentum.

Enter how much extra you can put toward debt each month beyond minimum payments. The planner calculates a new debt-free date and shows how much interest you'll save compared to paying minimums only.

Click Record Payment on any debt after you make a payment. This reduces the balance and keeps your payoff timeline accurate. The planner automatically adjusts the remaining months as you make progress.

Go to the Credit Sim tab and enter your current credit score (you can get this free at annualcreditreport.com or through most banking apps). The simulator uses this as your starting point.

Use the scenario controls to see how specific actions might affect your score:

• Paying off a credit card balance
• Opening a new credit card
• Missing a payment
• Applying for a mortgage
• Reducing credit utilization

• 300–579: Poor — limited loan options, high rates
• 580–669: Fair — some approvals, above-average rates
• 670–739: Good — most loans approved, competitive rates
• 740–799: Very Good — excellent rates on most loans
• 800–850: Exceptional — best rates available

The simulator shows estimated impacts based on how credit scoring models generally weight different factors. Results are educational — your actual score change depends on the exact details in your credit report.

Go to Settings → Shared Access and enter your partner's email address, then click Send Invite. They'll receive an email with a link to create their account and connect to yours.

Your partner clicks the link in their email, creates their account (or logs in if they already have one), and the accounts are linked. From that point on, both of you see the same financial data.

Shared partners see the same transactions, budgets, goals, accounts, and bills. Both partners can add, edit, and delete data. Changes made by either partner are reflected immediately for both.

Go to Settings → Shared Access and click Remove Partner. Access is revoked immediately. Each person retains their own independent account — no data is deleted, but the shared view is disconnected.

Click the Life Events tab in the navigation bar. You'll see planning modules for major life milestones: Moving Out, Buying a Car, Getting Married, Having a Child, and Starting a Business.

Each module shows a cost breakdown with low and high estimates for every major expense associated with that life event. These are national averages — your actual costs will vary by location and choices.

The module calculates a savings timeline based on the estimated total cost and a standard monthly savings amount. Use this as a starting point to understand how long you'll need to save.

Each module includes a step-by-step checklist of actions to take. Check off items as you complete them — your progress is saved automatically. Use this to stay organized as you work toward the milestone.

Click the Calculators tab in the navigation bar. Calculators are organized by category — Loans, Savings, Debt, Retirement, Mortgage, and more. Use the category filter to find the right tool quickly.

Click on any calculator card to open it. Fill in the required fields — every field has a label explaining what to enter. Results update in real time as you type, so you can experiment with different scenarios instantly.

• Loan payment calculator
• Mortgage affordability calculator
• Compound interest calculator
• Debt payoff calculator (avalanche & snowball)
• Savings goal calculator
• Emergency fund calculator
• Retirement savings calculator
• Net worth calculator

Go to Settings → Currency and click the currency symbol you want to use (USD, EUR, GBP, JPY, INR, KRW). All amounts across the app update immediately. Note that this changes the symbol only — it does not convert your amounts.

Go to Settings → Security Center → Change Password. Enter your current password, then your new password twice, and click Update Password. Use a strong password with at least 8 characters.

Go to Settings → Backup & Restore → Download Backup. This exports all your data as a JSON file you can save locally. To restore, click Restore Backup and upload a previously downloaded file. Restoring replaces your current data.

Go to Settings → Security Center → Log Out All Devices. This immediately invalidates all active sessions, requiring a fresh login on every device. Use this if you suspect unauthorized access or if you lose a device.

Go to Settings → Danger Zone → Delete Account. You'll need to enter your password to confirm. This permanently and irreversibly deletes your account and all associated data. Export a backup first if you want to keep your data.