This month, at a glance
Every figure below is calculated live from the Bills, Envelopes and Debts pages.
Monthly cash flow
| Income baseline | $0.00 |
| − Fixed non-negotiable bills | $0.00 |
| − Variable envelope caps | $0.00 |
| − Minimum debt obligations | $0.00 |
| = Spare Change | $0.00 |
Envelope status
| Envelope | Cap | Spent | Remaining |
|---|
Fixed non-negotiable bills
Same amount every month, rain or shine.
| Paid | Category | Monthly amount | |
|---|---|---|---|
| Total fixed bills | $0.00 | ||
Variable envelopes
Hard monthly caps. Log what you spend and watch the envelope fill.
A snapshot is saved automatically every time you use "Reset all envelopes," so nothing gets lost when the month closes out. Renaming these labels is fine — the underlying data stays put.
Debts and minimum obligations
Order sets the snowball attack sequence — use the arrows to reorder. Excluded debts are paid minimum-only and never receive extra snowball cash.
Snowball attack plan
Auto-generated month by month from your current balances, minimums and attack pool above. Debts are attacked in the order shown above — reorder them with the arrows to change the plan.
Ledger Settings
Switch to the tactical dark theme.
Backup
Save a copy of everything to a file, or restore from one.
Linked Devices
Devices with access to this ledger. Removing one revokes its access immediately — it'll be signed out the next time it tries to sync.
Manage Ledgers
Join a new ledger code or manage your active session.
Disconnect this device. Your household code still works to rejoin later.
Permanently erases every bill, envelope, and debt in the current ledger. This cannot be undone.
Recovery Email
Optional. If this device ever loses access and you have no other device to rejoin from, an email link lets you recover this household's code. Nothing is required to use the app without one.
Firebase sends the verification email — expect it from a firebaseapp.com address, and check spam.