Übersicht

Overview

This year · {{ year }}

Net Wealth

{{ yNetWealth }}

Avg Income

{{ yAvgIncome }}

Avg Spending

{{ yAvgSpending }}

Avg Savings

{{ yAvgSavings }}

Selected month · {{ monthLabelLong }}

Net Wealth

{{ mNetWealth }}

end of month

Income

{{ kIncome }}

this month

Spending

{{ kSpending }}

this month

Savings Rate

{{ kSaveRate }}

Net Wealth · {{ year }}

{{ yNetWealth }}

Spending by Category · {{ year }}

{{ ovDonutVal }}

{{ ovDonutPct }}

Accountsmanage

{{ a.name }}SAVINGS

{{ a.iban }}

{{ a.balance }}

Recent Activity

{{ t.amountStr }}

Monthly

Categories & day-by-day · click a day to assign categories

Spent

{{ catTotalSpent }}

Income

{{ kIncome }}

vs avg month

{{ catVsAvg }}

By category

{{ c.amount }}

No spending this month.

By day

{{ d.day }}

{{ d.count }} tx

+{{ d.inc }}

{{ d.exp }}

{{ t.title }} ↗

{{ t.amountStr }}

No transactions this month.

Yearly · {{ year }}

Monthly totals by category

Income

Source	{{ m }}	Total
{{ r.name }}	{{ c.str }}	{{ r.total }}

Spending

Category	{{ m }}	Total
{{ r.name }}{{ r.caret }}	{{ c.str }}	{{ r.total }}
{{ s.name }}	{{ c.str }}	{{ s.total }}

Summary & Savings

	{{ m }}	Total
{{ r.name }}	{{ c.str }}	{{ r.total }}

Transactions

{{ txCount }} transactions+{{ txInSum }}−{{ txOutSum }}

{{ g.total }}

{{ t.amountStr }}

Recategorize:

Joint split — my share: counts as {{ t.splitPct }}% in your totals

No transactions match your filters.

Insights

Trends · {{ year }}

Income vs Spending

IncomeSpendingHover for detail · click a month to drill in

Spending by Category

{{ donutCenterVal }}

{{ donutCenterPct }}

{{ d.name }}{{ d.pct }}›

Click a category for its monthly breakdown

Year total

{{ drillTotal }}

Avg / month

{{ drillAvg }}

Spending — categories & subcategories

Inner ring: main categories · outer ring: subcategories · hover to inspect

{{ sunVal }}

Net Wealth

Savings Rate

Category trends

CHF {{ s.total }}

Cash flow

Where your money moves · income flows in, spending & savings flow out

{{ sankeyNet }}

Not enough data this year for a flow chart.

{{ flowTip.amount }} · {{ flowTip.pct }}% of income

Budget

Planned vs actual · {{ budgetScopeLabel }}

Planned total

{{ budgPlanned }}

Actual spent

{{ budgActual }}

Remaining

{{ budgRemaining }}

CategoryPlannedActualUsage

{{ b.actual }}

Planned amounts are saved per category and apply to every month.

Planned · {{ year }}

{{ budgYPlanned }}

Actual · {{ year }}

{{ budgYActual }}

Deviation from target

{{ budgYDev }}

CategoryPlannedActualDeviationPaceMonthly

{{ b.planY }}

{{ b.actualY }}

{{ b.dev }}

{{ b.pace }}

Dashed line = your monthly target. Bars turn red in months you went over.

Savings & Wealth · {{ year }}

In savings accounts

{{ savTotal }}

Net saved · {{ year }}

{{ savNet }}

Avg savings rate

{{ savRate }}

Savings balance over time

all accounts marked as savings · spans every year of data

Mark an account as savings to track its balance.

Net to savings per month · {{ year }}

Savings accounts

{{ a.iban }}

{{ a.balance }}

{{ a.change }} this year

No accounts marked as savings. Mark one in Settings.

Categories & Rules

Manage your categories, their subcategories, and the rules that auto-assign them.

How categorization works

1. Bank category. Your CSV exports already include a category for almost every transaction — that's why everything is sorted without any rules. It's the starting point.

2. Your rules. A rule (keyword → category) overrides the bank category whenever the description contains that keyword. Rules are listed below — empty until you add one.

3. Manual edits. Re-categorizing a single transaction (in Transactions / Monthly) overrides everything for that one entry.

Taxes

Net income / year

CHF

auto from your income ({{ taxAutoIncome }})

Project to full year {{ taxAnnualizeNote }}

Deductions (net → taxable)

%

AHV/PK/3a etc. — rule of thumb 15–20% for a single employee

Estimated taxable income {{ taxTaxable }}

Civil status

Church tax

Estimated income tax / year

{{ taxIncomeTax }}

effective rate {{ taxIncomeRate }} · set aside {{ taxIncomeMonthly }} / month

Total income tax{{ taxIncomeTax }}

Simplified tariffs (federal + canton ZH base tariff × City of Zürich multiplier 217%). Deductions, wealth tax and social deductions are not included — your actual bill may differ.

Estimated military exemption tax / year

{{ taxWpe }}

Liable for exemption tax

Rate · 3% of net income (deductions don't apply){{ taxWpeRaw }}

MinimumCHF 400

Exemption tax due{{ taxWpe }}

The military service exemption tax (Wehrpflichtersatz) is 3% of taxable income, minimum CHF 400, for those not performing service — typically until age 37. Days served reduce it pro rata; this estimate assumes none.

Settings

Import transactions

Add bank CSV exports. Formats are auto-detected (Migros/PostFinance with categories, and generic single-amount exports like Neon/Hypi). Duplicates are skipped; the account is matched by IBAN. Stored locally ({{ dbKind }}).

Choose CSV file(s)

…or paste CSV text directly:

Accounts

Define accounts by IBAN. Type and opening balance drive savings tracking and balances.

{{ a.iban }} · {{ a.count }} tx

opening

My share%

Partner IBAN(s)

Joint account: expenses count at your share ({{ a.sharePct }}%). Your own transfers in net to zero; deposits from the partner IBAN(s) are tracked as Partner-Einzahlung (not income). Net wealth counts {{ a.sharePct }}% of the balance.

Joint account — who paid in

Contributions and your share of spending per joint account.

You paid in{{ j.mine }}

Partner paid in{{ j.partner }}

Balance (you − partner){{ j.diff }}

Total spent{{ j.spentTotal }}

Your share of spending ({{ j.sharePct }}%){{ j.myShareSpent }}

Categories & rules

Categories, their subcategories, and auto-assign rules now live on their own page.

Appearance

Choose a theme.

Passcode

{{ passStatus }} Data is stored locally in this browser only.

Data

Restore from backup

Backup includes everything: transactions, accounts (incl. joint settings), categories & subcategories, rules, per-transaction splits, budgets, tax assumptions and theme. Restoring replaces the current data.