Learn PryvitLedger

Getting started: four ways to begin

Four ways to set up. The first time you open PryvitLedger, you choose how to set it up. There are four ways: a guided step by step, one full form, importing from a bank file, or restoring a backup if you've used PryvitLedger before. This video shows the step by step. Notice the note at the top: your numbers stay on your own computer. The one exception is the optional AI Coach, and only if you turn it on.

Guide me step by step. Tap Guide me step by step. It asks one question at a time, so it's the easiest way to start.

Step 1: your name and start month. Step one. Type your first name, so the app can say hello, and pick the month your budget starts.

Step 2: your paycheck. Step two is your income. Type where your paycheck comes from, and the amount that lands in your bank account after taxes. Then pick how often you're paid, and the date of your next payday. If you have other income, like a side job or rent, you can add it in the box below.

Step 3: today's balances. Step three. Open your bank app and type what's in checking and savings right now. The emergency buffer is the lowest amount you always want to keep in checking. The app protects it.

Step 4: fixed bills. Step four is your fixed bills, like rent, utilities, and subscriptions. Type the name, the amount, how often it's due, and the day. Then tap the plus button. Do that for each bill. Don't add credit cards or student loans here, because they get their own steps. Groceries and gas go in the weekly box underneath: type a weekly estimate, pick the day it usually leaves your account, and tap Add.

Step 5: credit cards. Step five is credit cards only. Type the card's name, what you owe, the interest rate, and the minimum payment. The credit limit helps the app suggest which card to use in an emergency. No cards? Just tap Continue.

Step 6: payoff strategy. Step six: choose how to pay down your cards. Protect Cash Flow pays only the minimums. Balanced adds a little extra to the card with the highest interest. Snowball pays the smallest card first. Aggressive puts every spare dollar on the highest interest. You can change this later.

Step 7: student loans. Step seven is student loans. They're tracked separately from credit cards. If you don't have any, leave it on No. If you do, say Yes, and you can add them.

Step 8: your 401k. Step eight is retirement. No account linking is needed. Just type your balance from your last statement, how much you put in, and what your employer matches.

Step 9: a savings goal. The last step is a savings goal. Type how much you want to set aside each month, and give the goal a nickname. Then tap Launch My Dashboard.

Your dashboard is ready. And here is your dashboard, built from the numbers you typed. Nothing is permanent: every number can be changed later, on its own tab. The next video shows the full form, and then the bank file import.

Getting started: the full form

The full form: everything on one page. The second way to start is the full form. If you already have your numbers handy, tap Show me the full form. It asks for the same things as the step by step, but everything is on one page, so you can fill it in from top to bottom.

Your name, start month, checking balance. At the top, type your first name, the month and year your budget starts, and what's in your checking account today.

Income: your paycheck. Under Income, type where your paycheck comes from, the amount you take home after taxes, how often you're paid, and your first payday. Other income, like a side job or rent, goes in the optional box a little further down.

Balances and emergency buffer. Current account balances. Use the available balance from your bank app, because it already counts pending charges. Type your savings, and your emergency buffer, the lowest amount you always want to keep in checking.

Fixed bills. Fixed bills. Type the name, the amount, how often, and the day it's due. Turn on autopay if the bill pays itself. Then tap plus. Credit cards and student loans have their own sections below.

Weekly food and spending. Groceries, gas, and eating out go here. Type a weekly estimate and pick the day it usually leaves your account. Tap Add to My Bills.

Credit cards. Credit cards. Type the name, what you owe, the interest rate, the minimum payment, and the due day. Tap plus for each card.

Payoff strategy. Then pick how you want to pay your cards down. Balanced adds a little extra to the card with the highest interest. You can change it any time.

Student loans, 401k and savings goal. Student loans, your 401k, and a savings goal are at the bottom. Skip anything you don't have. Here we type a 401k balance, and a monthly savings goal.

Build my dashboard. When you're done, tap Build my dashboard.

Your dashboard is ready. That's the full form. Everything you typed can be changed later on its own tab. Next: the bank file import.

Getting started: import a bank file

Import from a bank statement (CSV). The third way to start is to import from a bank statement. Your bank can give you a file that ends in dot C S V. PryvitLedger reads it only on your own device, and nothing is uploaded. It finds the bills and paychecks that repeat, so you don't have to type them.

Choose your CSV file. Tap Choose your CSV file, and pick the file you saved from your bank. If your bank only gives you a PDF, open it in Excel, and save it as a CSV, or use the full form instead.

Check the columns. First, a quick check. The app shows the first rows of your file, and asks which column is the date, which is the description, and which is the amount. Most of the time it guesses right. Tap Continue.

Only charges that repeat. Now the review. PryvitLedger only offers charges that repeat, because those are your bills and your paychecks. One-time purchases are hidden, since a charge that already happened doesn't matter.

Check, change, or skip each line. Each line shows how many times it repeated. You can change its type, how often, the day, and whether it pays itself. Uncheck anything that isn't a bill. Credit card payments are set to skip, because cards have their own place.

One-time charges stay hidden. Bought something once, like a gift? It's hidden. If one of them is really a bill, tap Show one-time charges. You don't need to.

Import selected. When it looks right, tap Import selected. Your bills and paychecks are added to the full form.

Add your paycheck and balances. Now add the rest: your name, your paycheck, your payday, and today's balances. Then tap Build my dashboard.

Your dashboard is ready. And that's it: your dashboard, with your bills and paychecks already in. Everything can be changed later.

Install on your iPhone

Start with Safari. PryvitLedger is a web app, so you do not need the App Store. You add it to your home screen, and from then on it opens like any other app. It takes about one minute. On an iPhone, you use Safari. Tap the Safari icon to begin.

Go to the address. In Safari, go to app dot pryvitledger dot com. You type it in the address bar at the bottom of the screen.

Tap the three dots. Now tap the three dots, at the right end of the address bar. A small menu opens.

Tap Share. Tap Share.

Scroll the list. A list of choices slides up. Drag the list up with your finger, until you see Add to Home Screen.

Add to Home Screen. Tap Add to Home Screen.

Tap Add. This window lets you name the app. Leave the name as PryvitLedger. Leave Open as Web App turned on. Then tap Add, in the top right corner.

Open it. PryvitLedger is now on your home screen, with your other apps. Tap it to open.

Set up. It opens full screen, with no browser bars, like a real app. Your numbers stay on this phone. Now pick how you want to set up. The Getting started videos show each way.

Back up your data. One more tip. Your data lives only on this phone. So tap the Backup button now and then, and keep the file somewhere safe. It is also how you move to a new phone.

Install on your Android phone

Start with Chrome. PryvitLedger is a web app, so you do not need the Play Store. You add it to your home screen, and from then on it opens like any other app. It takes about one minute. On Android, you use Chrome. Tap the Chrome icon to begin.

Go to the address. In Chrome, go to app dot pryvitledger dot com. You type it in the address bar at the top.

Tap Install. After a moment, a banner appears at the bottom that says Install PryvitLedger. Tap Install.

Confirm. Chrome asks you to confirm. Tap Install again.

Open it. That is it. The PryvitLedger icon is now on your home screen. Tap it to open.

Set up. It opens full screen, like any other app. Your numbers stay on this phone. Now pick how you want to set up. The Getting started videos show each way.

No banner?. No banner? Tap the three dots at the top right. Then tap Install app. On some phones it says Add to Home screen instead. You get the same confirm window.

Back up your data. One more tip. Your data lives only on this phone. So tap the Backup button now and then, and keep the file somewhere safe. It is also how you move to a new phone.

The top bar

The top bar. Across the top of every screen is a bar of buttons. This video walks through them, from left to right. On the left are the name of the app, your first name, the word OFFLINE, and the version number. Your numbers are stored on this device.

Upgrade: the Pro page. The orange Upgrade pill is shown on the free version. Tap it, and you see PryvitLedger Pro, with a one-time price, and a box where you can type a license key if you already have one.

Undo lights up after a change. Next to it, the Undo button. It stays dim until you change something. Here we log a twenty dollar purchase called gas. Now Undo lights up, with a one in brackets, for one change you can take back.

Undo: take back the last change. Tap Undo, and the purchase is gone. You can tap it again to keep going back, one change at a time.

Backup: protect it with a passphrase. Because your numbers live on this device, the Backup button saves a copy. Tap it, and the app asks if you want to protect the file with a passphrase. A passphrase scrambles the file, so nobody who finds it can read your numbers. If you forget it, the backup cannot be opened, and nobody can get it back for you. You can also choose to save without a passphrase.

Manage: spreadsheet, backup, restore. The Manage button opens a small menu. Spreadsheet saves your numbers as a sheet you can open in Excel. Backup does the same as the button. Restore loads a backup file you saved before.

App lock: hides the screen. App lock asks for a passcode when someone opens the app. The screen says it plainly: this hides the screen, it does not scramble the data on the device. For a scrambled copy, use Backup with a passphrase. And if you forget the passcode, the only way in is to erase this device's data, and restore a backup.

Reset: asks first. Reset erases everything on this device and starts setup over. The app asks you first, so one stray tap can't erase anything. Make a backup before you ever use it.

Themes. The paint palette is for themes. Tap it, and you get a list of color styles: the standard one, a light one, Slate, Noir, and more below.

Pick a theme. Tap one, like Slate, and every color changes right away. The app remembers your choice.

Light and dark. The sun button switches between dark and light. Tap it, and the whole app turns light. Tap it again to go back.

Update Balances. The last button is Update Balances. Tap it to type what your bank app says right now: checking, savings, your emergency buffer, and what you owe on each credit card. Use the available balance, because it already counts pending charges. Everything recalculates.

The tabs. Under the buttons is a row of tabs, one for each part of the app. A lock on a tab means it is part of Pro. The next videos go through the tabs, one at a time.

Dashboard

Dashboard: am I okay right now?. This is the Dashboard. It answers one question: am I okay right now? Let's look at each card, from the top.

A saying for the day. At the top is a short saying for the day. It's just for fun.

Cash available between paydays. This big card is your cash available between paydays. It starts with what's in your checking account, takes away the bills due before your next payday, and leaves your safety buffer alone. What's left is the money you can use. The glowing ring and the number show how you're doing: green is good, yellow means getting close, and red means trouble.

Update balance: type what your bank says. If your bank balance changes, tap Update balance, and type the new number. The app can't see your bank, so this number is yours to give it.

Spent this week: type it, tap Add. Right under it is the part for everyday spending, like groceries and gas. Your weekly budget is two hundred fifty dollars, and the big number shows what is left of it. When you spend something, type how much, and what it was for, then tap Add. The bar shows how much of the week's budget is used.

Close to the budget: yellow. Keep adding as you spend. When you get close to your weekly budget, the bar and the ring turn yellow, and the number shows how little is left.

Over budget: red warning. If you go over, the bar and the ring turn red, and you get a warning. It's only a warning. You can keep adding, and the app keeps count.

Tap the X to remove an entry. Made a mistake? Tap the little X next to an entry to remove it.

Checking balance and safety buffer. Here is your checking balance, with your safety buffer set aside.

Next payday. Next Payday counts the days until your paycheck lands, and shows how much it is.

Upcoming bills. Upcoming Bills lists what's due soon, with the days left on each one.

Debt snapshot. The Debt Snapshot shows what you owe on each credit card. View payoff plan jumps to the plan for paying them off.

Savings goal. The savings card shows how close you are to your goal.

401k balance. The 401k card shows your balance, what you put in, and what your employer adds. The app adds each paycheck's amount to this balance for you.

Net worth: tap the eye. Net worth is what you own minus what you owe. It's hidden, so nobody looking over your shoulder can see it. Tap the eye to show it.

That's the Dashboard. And that's the Dashboard. Everything here comes from the numbers you typed in, and it all stays on your device.

Roadmap

Roadmap: the next twelve months. This is the Roadmap. It zooms out to the next twelve months. At the top are four numbers: your monthly income, your fixed bills, your total credit card debt, and the month you would be debt free if you keep to the current plan.

Payoff milestones. Under them, the payoff milestones. Each card you owe is listed with the month it would be paid off, so you can see which one disappears first.

Monthly cash flow. Below that is a bar chart, with one pair of bars for every month. The green bar is money coming in. The red bar is money going out.

One card for every month. Further down is a card for each month. It shows how many paydays that month has, the money coming in, and the money going out.

Three-payday months. Some months have three paydays, like January. The card says so, right under the month.

Tight month warning. When more goes out than comes in, the card says Tight month, and shows by how much. It is a warning, so you can plan ahead.

Ledger

The Ledger: one line for every day. This is the Ledger, the heart of the app. It is a list of every day in the month, with one line for each thing that happens: money coming in, and bills going out. Next to every line is your balance after it, so you can see the future, a day at a time.

Pick a month. Across the top are the months. Tap a month to look at it. The month with the glowing ring is the one you are looking at now.

The month in four boxes. Four boxes sum up the month. What you start with. The money coming in. The money going out. And what you end with.

Day by day, with a balance after every line. Under them is the day by day list. The colored dots say what each line is: income, bills, credit card payments, or savings. Just under the title, the app counts how many of your payments are on autopay, and how many of the others you have scheduled.

Confirm your paycheck. Here is the paycheck for the ninth. It says Pending, because the money has not landed yet. When it really arrives in your bank, tap Confirm. The line says Confirmed, and every number after it is worked out again from the real amount.

Schedule: set up, not paid yet. Each bill has two buttons. Schedule is for when you have set the payment up with your bank, but the money has not left yet. Tap it, and the line says Scheduled.

Paid: it really left. Paid is for when the bill has really left your account. Tap it, and the line says Paid. The star goes away, because the number is real now.

Move a date, for this month only. If a bill will come out on a different day this month, tap the little calendar, and pick the new date. The line moves, and it says Moved, with a Revert button to put it back.

Change an amount, for this month only. If the amount is different this month, tap the amount, and type the new one. The line says Edited, with a Revert button.

Unexpected expense. Something unexpected? Tap Unexpected expense at the top.

Analyze and Rebalance. Type what it was, how much it was, and the day. Then tap Analyze and Rebalance. Here the app says your balance can cover a six hundred dollar car repair, with nothing else to change.

Apply this plan. Tap Apply this plan. A new line for the car repair joins the list, on the day you picked.

Undo. Changed your mind? Tap Undo at the top, and the car repair line goes away.

Free version: this month and next. On the free version, the Ledger shows this month and next month. Tap a later month, and you see a note about Pro, which shows all twelve months, and a button to go back to the current month.

Bills

Bills: the things you pay on a schedule. This is the Bills tab. It lists the bills that come out of your account on a schedule, like rent, the phone, and the internet. The number at the top right is about what they add up to in a month.

Emergency buffer. First, the emergency buffer. It is the smallest amount you always want to keep in your checking account. No bill or card payment in the app will take your balance below it. Type a number, and tap Save.

Add a bill. To add a bill, type its name, how much it costs, how often it comes, and which day. Tick Autopay if your bank pays it by itself. Autopay bills count in your plans without you tapping anything.

Tap Add bill. Tap Add bill, and it joins the list below.

Edit a bill. Tap Edit on any bill to change it. The same boxes open in a window. Tap Save changes when you are done, or Cancel to leave it as it was.

Remove a bill. The X on the right removes a bill. The app asks you first, so you cannot do it by accident.

Import bills from a bank CSV. You can also fill in bills from your bank. Tap Pick a CSV file, and choose the file you saved from your bank. It is read only on your device, and nothing is uploaded. If your bank only gives a PDF, open it in Excel and save it as a CSV. This is part of Pro.

Check the columns. The app shows the first rows of your file, and asks which column is the date, which is the description, and which is the amount. Most of the time it guesses right. Tap Continue.

Only charges that repeat. Now the review. The app only offers charges that repeat, because those are your bills and your paychecks. It says how many it found, and how many one-time charges it hid.

New, or already in your bills. A yellow New means the app has not seen that bill yet. A green check, Already in your bills, means you have it, so it is left unchecked. On every line you can change the type, how often, the day, and autopay.

One-time charges stay hidden. Things you bought only once are hidden. If one of them is really a bill, tap Show one-time charges.

Import selected. When it looks right, tap Import selected. The new bills join your list.

Totals. Last, two summaries. Total Fixed Monthly Obligations adds up all your bills. After Bills shows what is left from your income, for debt, savings and spending.

Income

Income: money coming in. This is the Income tab. It is where you tell the app about the money that comes in: your paycheck, extra jobs, one-time money, and money you lent to someone. Changes here update the Ledger and every plan.

Your main paycheck. First, your main paycheck. Type the company, the amount you take home, how often you are paid, and a payday. Then tap Save Primary Income.

Extra income sources. Have a side job? Add it here. Type a name, an amount, how often it comes, and the day. If the money arrives in pieces, tick Variable income.

Add income source. Tap Add income source, and it joins the list.

Edit or remove. Each source has Edit and an X. Edit changes it, and the X removes it.

One-time income. Next, one-time money, like a tax refund or a bonus. Type what it was, how much, the month, and the day.

Add one-time income. Tap Add one-time income. It shows up in your Ledger, in the month you picked.

Money you lent out. The last box is for money you lent to someone. Type who it was, how much, the day you lent it, how often they pay you back, and how much each time.

Add loan. Tap Add loan. The expected payments show in your Ledger as income. When one really arrives, you confirm it there.

Estimated monthly income. At the bottom, the app adds it all up into your estimated monthly income, and lists each source.

Credit card strategy

Credit Card Strategy: your plan for paying down cards. This is Credit Card Strategy. A strategy is a plan for how much extra money to send to your credit cards each month. Pick a plan, and the app builds the Ledger and the Roadmap around it.

Five plans. There are five plans. Protect Cash Flow pays only the minimum, so you keep the most cash. Balanced pays a little extra toward the card with the highest interest rate. Snowball pays off the smallest card first, for quick wins. Aggressive Payoff puts every spare dollar on the highest rate card. With Manual, you decide every payment yourself.

Pick a plan, then Apply. Tap a plan to read about it. Then tap Apply. The app says Strategy updated, and the Ledger and the Roadmap change to match.

Or start from your goal. Not sure which plan? Pick a goal instead: get debt free fast, pay the least interest, balance both, or keep the most cash each month. The app suggests one plan for that goal.

Compare all the plans. Under that is a table that compares every plan side by side. It shows when you would be debt free, how many months it takes, and how much interest you pay. The word Active marks the plan you are using now.

Your active strategy. The Active Strategy bar shows the plan you picked, and how many months you are from debt free if you keep going this way.

Add a credit card. To add a card, type its name, what you owe, the interest rate, the smallest payment, and the due day. Tick Autopay if the bank pays it for you.

Add card. Tap Add card, and it joins your list.

Edit a card. Tap Edit on any card to change it. The same boxes open in a window.

Remove a card. The X removes a card. The app asks you first.

Your debt in three numbers. Above the cards are three numbers: how much you owe in total, how long the payoff takes at your current pace, and the smallest payments added together.

Payoff timeline. The Payoff Timeline draws a bar for each card, and shows when each one is paid off.

Milestones. At the bottom are your milestones, in order, and the month you are completely debt free.

Student loans

Student Loans: what you owe, and your progress. This is the Student Loans tab. At the top are three numbers: how much you owe in total, what you pay each month, and how much you have already paid off. The bar under them shows your progress.

One card for each loan. Each loan gets its own card. It shows the balance, how much you have paid, the monthly payment, the interest rate, and the month the loan would be paid off. The green line says the balance goes down by itself when you mark that payment as paid.

Add a loan. To add another loan, tap Add loan. A form opens.

Fill in the loan. Type the loan's name, pick its type, and fill in what you owe now, what you borrowed, the interest rate, and the monthly payment. The servicer and the start date are optional.

Add this loan. Tap Add this loan, and it joins the list.

Edit a loan. Tap Edit on a loan to change it. The same boxes open right inside the card. Tap Save changes when you are done, or Cancel.

Remove a loan. The X removes a loan. The app asks you first.

What if you paid extra?. Now a fun one. Extra Payment Impact. Slide the bar to try paying more each month. Under each loan, the app shows the new payoff date, how much time you save, and how much interest you save.

Programs to know about. At the bottom is a blue box about forgiveness and repayment programs, like PSLF, income-driven plans, and refinancing. It is only information, so you can see what exists. You can keep notes on each loan to track your own progress.

Mortgage

Mortgage: your home, what you own, what you owe. This is the Mortgage and Property tab. It is for a home. Equity is how much of the home is yours. Total owed is what is left on the loans. L T V is the share of the home's value that is still borrowed.

Owned, and owed. The bar shows it too. Green is the part you own. Red is the part you owe.

Update your home's value. Home values change, so you can update the value any time. Type the new number, from a site like Zillow or Redfin, and tap Update value. Your equity changes to match.

Your loan. Below that is your loan. It shows the interest rate, when it will be paid off, how much interest is left at this rate, and the monthly payment, split into principal and interest.

Edit the loan. Tap Edit to change the loan. You can change the balance, the rate, the payment split, an extra amount you add, and the taxes and insurance, if they are in your payment.

Link the loan to a bill. One box is special. Paid by bill. Pick the bill that pays this loan, and the balance goes down by itself when you mark that bill as paid. Then tap Save changes.

What if you paid extra?. The Payoff Accelerator asks a what-if. Slide the bar to add extra money each month, and see how much sooner the loan is paid off, and how much interest you save.

Smart recommendations. At the bottom are smart tips that fit your numbers, like when you may be able to remove mortgage insurance, or when your equity may help with other debt. They are ideas to look into, not advice.

Add a second loan. If you have a second mortgage or a home equity line, tap Add second mortgage. Type its name, balance, interest rate, and payment.

Add loan. Fill it in, and tap Add loan. The Accelerator then sends the extra money to the highest-rate loan first.

Savings goals

Savings: your goals, added up. This is the Savings tab. Here you set goals for money you want to put aside, like an emergency fund or a trip. The box at the top adds all your goals together: how much you have saved, your total target, and how much is still needed.

One card for each goal. Every goal has its own card. It shows the goal, the date you want to reach it, how much you have saved, how much is left, and how much to save each month. The small note says whether you are on track or behind.

Tap a month to log a deposit. Under it is a tile for each month. Tap a month to log the money you put in.

Save the deposit. Type how much you saved, and tap Save deposit. The tile fills in, and the goal moves forward.

New goal. To make a new goal, tap New goal.

Name it, aim it, style it. Give it a name, a target amount, and the month you want to reach it. Pick a color and an icon, too.

How does the money move?. Then choose how the money moves. Pick, I move it myself, if you move the money to savings by hand. Pick, My bank moves it automatically, if your bank sends it for you on the same day every month.

Create goal. Tap Create goal, and the new goal joins your list.

Edit a goal. Tap Edit on a goal to change it. You can change the name, the target, the date, the day of the month you move the money, how the money moves, and the color and icon. Tap Save changes, or Done.

Remove a goal. The X removes a goal. The app asks you first.

Did you move the money?. Back on the Dashboard, a goal you move by hand shows up in Needs review once its date has passed. Tap Moved it, and the goal goes up. Tap Didn't move it, and the goal stays where it is. Until you answer, the app keeps that amount out of your spending cash, to be safe. Goals your bank moves automatically count on their own.

Retirement

Retirement: your 401k. This is the Retirement tab. It is for your 401k, which is money you save through your job for when you are older. The tag at the top says Manual Tracking, No Links. That means you type in the numbers yourself, and the app is not connected to your account.

Your 401k numbers. This box is where you tell the app about your 401k. Type your balance from your latest statement, the percent of each paycheck you put in, the percent your employer adds, and the most your employer will match, as a percent of your pay.

Save 401k info. Tap Save 401k info. Everything below changes to match.

Your balance. Next, your current balance. The green line says the app adds your share and your employer's share by itself, each payday.

What goes in. Then four small boxes: how much you put in each paycheck, how much your employer adds, what you put in over a whole year, and what your employer adds in a year.

The power of the match. The Power of the Match box adds it up for one paycheck: what you put in, what your employer adds, and the total that goes in.

10-year projection. The chart looks ten years ahead. It is only a guess, not a promise. It pretends the money grows by seven percent a year, which is just an example.

Year by year. The table at the bottom shows the guess for each year, so you can see the balance step by step.

Analytics

Analytics: your money in pictures. This is the Analytics tab. It is for looking, so there is nothing to type here. At the top are four boxes: your monthly income, your fixed bills, your debt payments, and the amount you plan to save each month.

Monthly budget split. The ring chart splits your money into slices, so you can see which part is the biggest.

Income vs obligations. The bar chart puts your income next to the money that has to go out, so you can compare them.

Budget breakdown. Below that, a bar for each part of your budget: bills, debt payments, savings, and weekly spending. Each one shows the dollars, and its share of your income.

Financial health notes. The last box has four short notes about your numbers. They check how much of your income goes to bills and to debt, how much you save, and your weekly spending. They are just notes to think about, not advice.

Alerts

Alerts: statement checks and reminders. This is the Alerts tab. It does two jobs. It helps you check your numbers against your real statements, and it reminds you about things that matter. First, Statement Checks.

Pick how often to check. Balances in the app update from your Ledger, so they can slowly drift away from the real ones. Next to each balance is a menu. Pick how often you want a reminder to compare: every 3, 6, or 12 months.

Check now. Tap Check now to compare with a real statement. A box opens.

Type the statement balance. Type the balance from your statement, and tap Save. The app notes the day you checked.

Buffer check. Right under, the app tells you if your emergency buffer fits the strategy you picked.

Due Date Advisor. The Due Date Advisor looks at your payday schedule. It finds cards whose due date comes before your paycheck lands, and suggests a date that comes after.

Current date, suggested date. Here, the Visa is due on the twenty first, sometimes before payday. The suggestion is the twelfth, which is always after payday.

What to tell the card company. It even tells you what to say when you call. Most card companies allow one due date change a year, and often there is no fee.

After you call. After you call, tell the app when the new date starts: this month, next month, or the month after. Or tap Unable to change, to dismiss the suggestion.

Reminders. Now the reminders. Alerts show as a strip on your Dashboard whenever you open the app. There are no pop-ups. If you also want browser notifications, tap Enable alerts, and your browser will ask you for permission.

Choose your reminders. A master switch turns all alerts on or off. Below it, switch on only the reminders you want: bills coming due, a low balance, payday tomorrow, a weekly balance check, a debt paid off, or a savings goal reached. You can also choose how many days ahead, and what low balance to warn about.

How alerts work. These notes sum it up. Your choices save right away, everything stays on your device, and alerts only work while the app is open in your browser.

Net worth

Net worth: what you own, minus what you owe. This is the Net Worth tab. Net worth is everything you own, minus everything you owe. The big number at the top is that answer. Assets are green, and debt is red.

Your trend. The bars below it are a trend chart. Each bar is a snapshot you saved, so you can see whether your net worth is going up over time.

Filled in for you. Some parts fill in by themselves. Cash comes from your checking and savings balances. Retirement comes from your 401k tab.

Investments. Investments are for stocks, index funds, and other accounts. Tap Edit to add one.

Add an investment. Type a name and a value, and tap the plus. It is added to your total.

Property and assets. Property and Assets starts with your home. It comes from the Mortgage tab, so you do not type it in twice. Tap Edit to add things like a car.

Add a car or other asset. Type what it is, what it is worth, and what you still owe on it, and tap the plus.

Save a snapshot. To keep a record, tap Save snapshot. It locks in today's net worth, and adds a new bar to the trend chart.

AI Coach (optional)

AI Coach: ask questions about your own numbers. This is the AI Coach tab. It is optional. You can ask questions in plain words about your own money, and get an answer. It is powered by Claude, made by Anthropic. When you ask a question, a short text summary of your numbers goes to Anthropic. It needs the internet. This is the only part of the app that sends anything out, and only when you ask.

What it does. Three things to know. Your financial data is sent only when you ask a question. Every answer uses your actual income, bills, and debts. And the coach can update your balances, your strategy, and your payments directly.

Paste your API key. To turn it on, you need your own key from Anthropic. You get it at console dot anthropic dot com. Paste it into this box. The key in this video is a made-up example.

Connect. Then tap Connect.

Connected. The green tag says Connected. Change key lets you paste a different key. Deactivate turns the coach off.

Suggested questions. Not sure what to ask? Tap one of the suggested questions, and it goes into the box below. You can change the words before you send it.

Ask your own question. Or type your own question. In Chrome or Edge, you can tap the microphone and speak instead. Then tap Send, and the coach answers using your real numbers. We will not send one in this video.

Turn it off any time. When you are done, tap Deactivate, and the coach is off. The rest of the app keeps working without it.