Real income
all money that came in
Spent
no card payments or transfers
Net
income – spend
Transferred out
savings / invest
Groceries & dining out budget
New purchases to rate
Month-end balance
Bills coming up Next 7 days
Fixed costs
Spending by category
Savings tracker Yellow = could cancel · Green = already saved
Could cancel (potential savings)
Cancelled (already saved)
Insights
Transactions
Rate purchases 1 Want · 2 Could skip · 3 Need, fix a category, or mark what you could cancel. Changes save to both phones.
| Date | Description | Category | Amount | Need | Status | Account |
|---|
Account health
Bank accounts
Credit cards owed · limit used
Maple Studio accounts kept separate from the family
Net worth by month bank minus card balances · past months estimated from transactions
Income vs spend Last 12 months
Month-end balance by month Goal: every month ends positive, ideally without pulling from Maple Studio (the studio)
Category trend Dashed line = monthly budget
Came in
Spent
Net
Transferred out
savings / invest
Month by month
Where it came from
Fixed vs everyday spending
Where it went The little bars are each month, so seasonal costs (energy, heat) stand out
ON TRACK / UNDER
WATCH IT
OVER BUDGET
Budget vs actual Budgets editable here · saved per browser · Avg = full months only
Client revenue
all time
Business expenses
all time
Profit
revenue – expenses
Paid to David
owner draws