Budget timeline
Expandable monthly budget📁 Archived Months
YOUR FINANCIAL CENTER
Monthly Overview
Income, expenses and your projected ending balance.
October 2026
Actual paid on budget rows$0.00
Adjusted ending balance*$0.00
Difference from plan$0.00
*Adjusted balance includes actual Everyday Spending purchases once and replaces planned amounts with actual paid for bills when entered. Category allowances are optional targets and never subtract from your balance. Expected income is not a verified deposit.
Expected income
Change dates and amounts directly.
| Expected date | Income source | Amount | Actions |
|---|---|---|---|
| Total expected income | $0.00 | ||
Monthly Bills & Recorded Everyday Spending
Only recurring bills appear above. Groceries, personal care, gas/maintenance and miscellaneous are recorded below as Everyday Spending purchases. Existing historical payments remain protected.
| Due date | Expense | Category | Budget | Actual | Pay online | Actions |
|---|---|---|---|---|---|---|
| Monthly bills planned / Bills paid | $0.00 | $0.00 | ||||
| Historical variable payments (if previously recorded) | — | $0.00 | ||||
| Everyday purchases recorded | — | $0.00 | ||||
| Total monthly expenses (planned bills + purchases + historical payments) | $0.00 | |||||
| Actual recorded payments + purchases | — | $0.00 | ||||
| Projected ending balance | $0.00 | |||||
| Adjusted ending balance (actual paid) | $0.00 | |||||
First-time cloud setup
No budget was found in your cloud account. Download a backup, then upload the current budget saved in this browser.
Build 32 · Financial Center · Budget data and calculations preserved · Separate from CyberVault.
What is happening this week?
Choose a week to see expected income and bills due.
Everyday Spending
Track groceries, gasoline, personal care, gifts, holidays and unexpected purchases. Each purchase reduces your adjusted monthly balance and appears in reports.
One purchase, one deduction. Category allowances are optional targets, not deductions. Only recorded purchases subtract from the monthly balance and appear in reports. Do not enter the same purchase as a monthly bill.
Replace old variable expense rows
The four variable categories no longer appear as recurring bills in any month. Existing old rows are retained safely in your data, but unpaid allowances no longer deduct. If desired, you can archive the old unpaid rows here after backing up. Existing paid or actual rows are preserved as history. Your full JSON backup downloads before the replacement. Nothing changes until you approve.
Optional spending targets
Optional monthly targets for reference only. These targets do not subtract money. Only purchases entered below subtract from your budget.
Monthly bills planned$0.00
Everyday purchases recorded$0.00
Adjusted monthly ending$0.00
Enter each purchase only once. Purchases subtract from the adjusted balance and appear in reports.
Category total $0.00
Recorded spending this month$0.00
Transferred to savings$0.00
Weekly spending report
Weekly income vs. planned expenses
Based on expected dates and due dates, not payments made.
Monthly planned bills$0.00
Everyday spending recorded$0.00
Total planned bills + actual everyday spending$0.00
Checkbook Ledger
Scheduled deposits and bills in date order, with a projected running balance.
| Date | Description | Deposit | Withdrawal | Projected balance |
|---|
Planning register only — scheduled amounts are not confirmed bank transactions or payments.
Calculator & 10-Line Adding Sheet
Calculate on the left and send results to the sheet on the right. This page does not change your budget records.
Calculator
Standard calculator
10-Line Adding Sheet
| # | Description | Amount |
|---|
TOTAL$0.00
Debt Payments
Starting November 2026 · Track payments, balances, and progress at your own pace.
Credit limits are not outstanding balances. Enter each card’s actual opening balance before tracking payments. Your regular budget is unaffected.
November 2026
Credit Cards
Financing & Loans
Archived Accounts
Payments reduce debt; positive interest, fees, and adjustments increase it. Transactions are not automatically added to your monthly budget. The main Backup now includes this page. Standalone debt backups remain available.
Security & Account Settings
Manage your Personal Budget login. Changes apply to your Supabase account, not CyberVault.
Account email
Sign in to view your account email.
Request an email address change
Change password / passphrase
Update the password you use on the Personal Budget welcome screen.
Login & session security
New page visits require your email and password. Use Sign Out to end your current session.
Microsoft Authenticator is not enabled in this build. Netlify site visibility should remain Private.