YOUR PRIVATE LEDGER

A calm view of your money.

TOTAL BALANCE

RM 0.00

↑ RM 0.00 this month

NET WORTH

RM 0.00Assets minus liabilities

MONTHLY INCOME

RM 0.00Posted transactions this month

MONTHLY SPENDING

RM 0.00—

MONTHLY SAVINGS

RM 0.00—

BUDGET USED

0%—

CASH FLOW

Income & spending

● Income ● Spending

THIS MONTH

Spending by category

RM 0spent

LATEST ACTIVITY

Recent transactions

LOOKING AHEAD

Upcoming payments

MONEY IN MOTION

Transactions

Review, filter, and add your financial activity.

Description	Category	Date	Type	Amount

WHERE YOUR MONEY LIVES

Accounts

Your account balances, separated from liabilities.

LIABILITIES

Outstanding credit & debt

RM 0.00

Excluded from account balances and deducted for net worth.

SPEND WITH INTENTION

Budgets

Set category limits for your current month.

SAVE WITH PURPOSE

Savings Goals

Create and track your personal savings targets.

PREDICTABLE OUTGOING

Recurring Payments

Record upcoming bills and subscriptions.

Payment	Frequency	Next due	Status	Amount	Actions

YOUR FINANCIAL STORY

Analytics & Reports

A financial snapshot calculated from your posted transactions.

SAVINGS RATE

—Monthly income retained

LARGEST CATEGORY

—Based on budget allocation

AVG. DAILY SPEND

—Month-to-date average

REPORT STATUS

CurrentNot a bank statement

PERIOD BREAKDOWN

Daily, monthly, and yearly figures use your posted transactions. This is not financial advice.

PRIVATE LOCAL INSIGHTS

Financial Advisor

A simple rule-based helper using the figures currently in this page.

● Not connected to an AI API

Pocket Guide

Ask about spending, savings, or this month’s budget. I use the data in this private workspace and do not provide financial advice.

PREFERENCES & BACKUP

Settings

Local display options and manual backup tools.

APPEARANCE

Theme

Use the sidebar moon button to toggle light and dark mode. Your preference is remembered locally.

Cloud backup: preparing secure connection…

WORKSPACE BACKGROUND

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DATA EXPORT

Make a private copy

Exports download a private copy of the records currently in this workspace.

IMPORT SAFETY

Import review

Imports are reviewed and validated before records are added.