The Dashboard shows a real-time summary of your complete financial picture. The large number at the top is your Real Available Balance — your total income minus all fixed bills, credit card spends, debts, and daily expenses.

Below the balance band, the 4-metric row shows Income, Expenses, Savings, and Commitments at a glance. Tap any cell to jump to that section.

Add every source of income to get an accurate picture of your total earnings. Tap + on the Income screen to add a new source. You can assign each income entry to a family member.

Use the ✏️ Edit button to update an income source when your salary changes. The dashboard balance will update automatically.

Use the ⚡ Quick Expense bar at the top of the Expenses screen for instant logging. Simply enter the amount, select a category, and tap Add. It's designed to take under 5 seconds.

Tap + for the full expense form where you can add a description, notes, date, and custom category. Expenses are automatically filtered by the current month shown in your header.

This section tracks all your fixed monthly obligations. These are amounts you must pay every month regardless of spending habits. They are automatically deducted from your available balance calculation.

Each bill has a due date. Use the ✓ Mark Paid button each month once you've paid it. Overdue bills are highlighted in red as a reminder.

Create savings goals and track your progress toward each one. Set a target amount and see a progress bar showing how far along you are. The system calculates how much you still need to save.

You can add deposits to a goal whenever you set aside money. Multiple goals can run simultaneously — for example, a Travel Fund and an Emergency Fund at the same time.

Add each credit card with its credit limit and current outstanding balance. The system calculates your Credit Utilisation Ratio — how much of your available credit you've used. High utilisation can impact your financial health score.

Track your payment due dates to avoid late fees. The outstanding balance is included in your total liabilities calculation on the dashboard.

Record every liability — personal loans, car loans, borrowed money, credit card debt. For each debt, enter the total amount owed and the repayment timeline. This gives you a clear picture of your total financial obligations.

The total debt figure feeds directly into your Financial Health Score calculation. Reducing your debt-to-income ratio improves your score over time.

The Health Score (0–100) is a composite indicator of your financial wellbeing. It's calculated by analysing the balance between your income, expenses, savings, debts, and commitments. A higher score means healthier finances.

Tap the Health chip on the dashboard or go to More → Charts & Score to see a full breakdown of what's contributing to your score and what you can improve.

Before making a large purchase, use the Scenario Simulator to understand the impact on your budget. Enter the expense name and amount — the app instantly shows whether your current balance can absorb it.

The result will show one of three outcomes: Surplus (you can afford it comfortably), Neutral (tight but manageable), or Deficit (it would put you in the red).