Spend by category
Due this month
Bills learned from past statements, plus planned Waymarker payments. Ticked when a matching transaction is added.
Incomings
Pay, government payments, rebates and transfers in. Merchant refunds are not income and sit in Refunds.
Month close
At month end, enter the balances from the banking app. The unpaid credit card amount is taken off so the position is what you really have.
Still to confirm
Yellow rows are my best guess. Tick the ones you know are right, or pick another category, then press Save in the bar at the bottom. Whatever is left yellow is for the other person to check.
Add transactions
Paste a bank or card export, copy the transaction text straight from the app, or add screenshots and PDF statements. Nothing is saved until you press Add. Anything unfamiliar is held for you to categorise.
CSV and text files are read on the page. Screenshots (PNG, JPEG) and PDF statements are sent to Claude to read. Drop files anywhere on this card.
Preview
Year to date, September 2026 to June 2027
Actuals are net of merchant refunds. Months with no transactions show a dash.
Plan
Targets per category per month. Edit a cell and press Save. The mortgage and fun-money rows follow the number of Thursdays and Mondays in the month; the bills row is the sum of the bill schedule below.
Bill schedule
What is expected and when, learned from the Jan to Oct 2026 statements. Amounts are estimates where the next bill has not arrived yet.
Starting position and accounts
Accounts counted in the position: Offset 055370450, Cards 055370396, Savings sub 353245683. The Isaac Fun account 167733577 is left out because that money is already counted as spent.
Merchant memory
How past transactions were categorised. Only merchants seen three or more times with a consistent category are filed automatically; everything else is held for a decision. Changing a category here changes future filing.