Start with the totals that shape your month: income, regular bills and subscriptions, flexible spending pots, and any debt you want to track. You do not need to enter every purchase or copy your entire bank statement.

No. The app remembers your named items and amounts. When you return, the monthly helper shows where you left off and asks you to confirm what changed.

No. The app does not ask for your bank login or connect to a bank feed. You stay in control of the information you choose to add.

Yes. Add an annual or occasional cost, record when it was last paid, and keep the next expected date visible. You can also turn it into a saving plan without changing the current Monthly Plan total.

Add the current or original balance, the payments remaining and an optional start date. If automatic tracking is enabled, the app estimates the reducing balance, progress percentage and final payment date for you.

Yes. A family workspace uses the same simple Monthly Plan, Budget, Stats and Notes structure so household members can work from the same figures.

Every feature is free for the first 90 days and no card is required to start. After the trial, the app costs £14.99 per year. There is no monthly plan and there are no adverts.

The service uses secure hosted infrastructure, but its central privacy decision is simpler: no bank credentials are requested and no advertising profile is built from your financial information.