Route map · budgeting and money planning
Plan your money, one step at a time.
Six money routines drawn as lines: set up your categories, log what you spend, give each category a budget, save towards goals, close the month with a report and get an alert before a budget runs out. You type every entry yourself, so the planner never needs your bank login.
Interchange
Start here
Every routine leaves from this interchange with a blank page: no spreadsheet and no bank link needed. Pick a line on the map or below the headline to see its steps.
Departures
Six routines. Pick one and board.
Each money habit runs as its own line, with small steps as stations and something you made yourself at the end. Choose a row to see every step it calls at.
The route
Every station is one small step.
One thing to do per stop, using one real part of the planner. Ride a routine from its first step to the thing it leaves you with.
Line CS · Platform 1
Categories Setup
Sort your money into categories you pick from a list or invent yourself. They feed every budget bar and every report later on.
- Category list
- Your own categories
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CS1
Pick from the list
Start with the usual ones and keep only those you really spend in.
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CS2
Invent your own
Add the categories the list does not have, named the way you think.
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CS3
Income on its own side
Keep money coming in apart from money going out.
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CS4
Bills and day-to-day
Separate the fixed costs from the spending that moves.
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CS5
A home for savings
Give the money you set aside a category of its own.
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CS6
Sort the first week
File a week of spending and see whether the list fits.
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CST · Terminus
A category list that fits your life
Your own short list, ready to carry every entry, budget and report.
Line DE · Platform 2
Daily Entries
Log what you spend and earn by hand: amount, date, payee and category. You type every entry yourself, so nothing needs your bank login.
- Manual entries
- Phone + laptop
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DE1
Amount and date
The two things every entry starts with.
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DE2
Who you paid
Add the payee so the entry still makes sense next month.
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DE3
Pick a category
One tap files the entry where its budget can see it.
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DE4
Income counts too
Log pay and other money in, so the month has a top line.
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DE5
Log it on the spot
Add the entry on your phone at the till, check it later on the laptop.
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DE6
A short daily check
Catch the receipt you forgot before it becomes a gap.
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DET · Terminus
A complete week of entries
Seven days logged with amount, date, payee and category, with no gaps.
Line BB · Platform 3
Budget Burn
Give each category a budget for the month and watch its bar fill as you log. The bar shows what is used and what is left.
- Category budgets
- Burn bars
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BB1
Start from your income
Know the top line before you share it out.
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BB2
A budget per category
Set an amount for each category you spend in.
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BB3
Read the burn bar
How much of a budget is gone, and how much is left.
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BB4
Left to spend
Income minus what you have spent, always in view.
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BB5
Move money between bars
Lower one budget to raise another when the month changes.
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BB6
Carry it to next month
Start the new month from the budgets that worked.
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BBT · Terminus
A month planned category by category
Every category with its own budget and a bar that shows where it stands.
Line SG · Platform 4
Savings Goals
Name what you are saving for, set the amount and a deadline, and follow the progress as you put money aside.
- Goals
- Deadlines
- Progress
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SG1
Name the goal
A trip, a new bike, a cushion for a rainy month.
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SG2
Set the amount
The figure you want to reach, in your own currency.
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SG3
Give it a deadline
A date turns a wish into a plan you can check.
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SG4
Work out the monthly share
What is still missing, divided by the months left.
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SG5
Add to it
Log each amount you set aside and the goal moves.
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SG6
Watch the progress
Saved so far against the target, next to the deadline.
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SGT · Terminus
A goal with a date on it
A named target, an amount and a deadline, with progress you add to yourself.
Line DR · Platform 5
Dashboard & Reports
One page that shows the month: income against expenses, burn per category and goal progress. Export the report when the month is done.
- Dashboard
- Exports
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DR1
Open the dashboard
The whole month on one page.
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DR2
Income against expenses
What came in next to what went out.
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DR3
Burn per category
Every budget bar side by side.
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DR4
Goals at a glance
How far each savings goal has come.
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DR5
Close the month
Check the last entries and settle the totals.
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DR6
Export the report
Keep a copy of the month outside the app.
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DRT · Terminus
A closed month, exported
A finished month with its totals settled and a report saved where you keep your papers.
Line AC · Platform 6
Alerts & Check-ins
Let the planner tell you when a category gets close to its limit, on your phone or your laptop, with one login.
- Alerts
- Push notifications
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AC1
Turn alerts on
Choose to hear about budgets before they run out.
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AC2
Near the limit
A notice when a category has used most of its budget.
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AC3
Over the line
A clear message when a category passes its budget.
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AC4
One login, two screens
The same numbers on your phone and on your laptop.
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AC5
A weekly look
A few minutes with the dashboard to stay on course.
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ACT · Terminus
Budgets that warn you in time
Alerts switched on for the categories you care about, on the screens you use.
Try a month
Type the month. Watch the bars move.
Budget burn in miniature. Change the income, a budget or what you spent, and the month redraws: what is left to spend, how far each category has gone, and an alert when one comes close to its limit.
Example amounts in no particular currency · nothing leaves your browser
Alerts
Month check
Find the line that throws the month off.
Each card below has one line that causes the problem. Read the symptom, pick the line you suspect, and the signal tells you. Every answer explains the habit behind it.
Pick the line you think is the cause.
Terminus
Every line ends at something you made.
The last stop is a result you produce yourself, like a full week of entries, a goal with a date on it or a closed month exported.
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CST · Terminus
A category list that fits your life
Your own short list, ready to carry every entry, budget and report.
LineCategories Setup Plat.1 Steps6 -
DET · Terminus
A complete week of entries
Seven days logged with amount, date, payee and category, with no gaps.
LineDaily Entries Plat.2 Steps6 -
BBT · Terminus
A month planned category by category
Every category with its own budget and a bar that shows where it stands.
LineBudget Burn Plat.3 Steps6 -
SGT · Terminus
A goal with a date on it
A named target, an amount and a deadline, with progress you add to yourself.
LineSavings Goals Plat.4 Steps6 -
DRT · Terminus
A closed month, exported
A finished month with its totals settled and a report saved where you keep your papers.
LineDashboard & Reports Plat.5 Steps6 -
ACT · Terminus
Budgets that warn you in time
Alerts switched on for the categories you care about, on the screens you use.
LineAlerts & Check-ins Plat.6 Steps5
Platform 0 · all routines
Boarding with a blank page
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01
No spreadsheet, no old statements and no bank login needed. Every routine starts from an empty month.
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02
Pick your categories from a list or invent your own, then log your first entry: amount, date, payee and category.
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03
Give the categories budgets and add a savings goal with a deadline when you are ready.
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04
Use it on your phone and your laptop with the same login.
Mind the gap between payday and the bills.
Pick a planPricing
One plan, every routine.
Choose the plan that suits you. A subscription can be cancelled from your profile at any time.
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Planner pass
Calm start
Demo Lite
€59.59
Valid 28 days · renews
3-day trial | €0.10
- Test Benefit 1
- Test Benefit 2
Announcements
Questions at the platform.
Something else on your mind? The contact page reaches a person.
Contact usAnnouncement 01 Does the planner connect to my bank?
No. You add every entry yourself, with amount, date, payee and category, so the planner never asks for your bank login.
Announcement 02 Can I make my own categories?
Yes. Pick categories from a list or invent your own. They drive every budget bar and every report.
Announcement 03 How do the budgets work?
You give each category a budget for the month. Its burn bar fills as you log spending and shows how much is left.
Announcement 04 Can I save towards something specific?
Yes. Set up a savings goal with an amount and a deadline, add to it as you set money aside and follow its progress.
Announcement 05 Can I take my numbers out of the app?
Yes. Reports are exportable, so you can keep a copy of a finished month wherever you keep your papers.
Announcement 06 Will it warn me before a budget runs out?
Yes, if you switch alerts on. You get a notice when a category comes close to its limit.
Announcement 07 Does it work on my phone and my laptop?
Yes. One login opens the same planner on both.
Announcement 08 Does it give investment advice?
No. It is a planner for your own numbers. It has no market data, no advisor and no investment advice.
Announcement 09 How do I cancel my subscription?
From your profile page, at any time. The subscription policy explains how billing, trials and cancellation work.