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Quick Add Expense
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Essential
Saving Opportunities
Today's Transactions
This Month — Variable Spend
Dashboard
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Spending by Category
Minimum Monthly Floor
—
Essential obligations only
Obligations
Budget Health
Obligations
Quarterly & recurring payment tracker with reserve status
All
🔴 Urgent (≤14 days)
🟡 Soon (≤30 days)
🟢 On track
☽ Lunar
📦 Archived
Payment History
Monthly Reserve Plan
Set up automatic transfers matching these amounts each month. Keep in a separate "obligations" savings account so it's never accidentally spent.
Net Worth
Assets minus liabilities
Assets
Liabilities & Net Worth
Composition
Transactions
All income and expenses
All
Income
Expenses
Transfers
| Date | Description | Category | Method | Amount |
|---|
Daily Spend
Spend by Category
Category Summary
🔁 Recurring Transactions
Merchants appearing in multiple months — auto-detected + manually marked
Income Statement
Revenue, expenses, net surplus
Monthly
Quarterly
Annual
Key Ratios
AI Interpretation
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Cash Flow
When money actually moves
Monthly
Quarterly
📈 Projection
Cash Position
Month-by-Month
Budget vs Actual
Track against targets
Monthly Fixed
Monthly Variable
Recurring Obligations
From your Obligations — amortised monthly reserve
Annual / Occasional
Receipt Scanner
Upload any receipt — AI reads it
AI Analysis
Card Analyser
Paste statement — AI categorises it
Paste Statement Text
What AI Detects
✓ Groceries & supermarkets
✓ Utilities & telecom
✓ Health & pharmacy
✓ Dining & entertainment
✓ Online shopping
✓ Remittance & transfers
✓ Subscriptions
✓ Unusual charges
✓ Utilities & telecom
✓ Health & pharmacy
✓ Dining & entertainment
✓ Online shopping
✓ Remittance & transfers
✓ Subscriptions
✓ Unusual charges
Statement Analysis
AI Financial Advisor
Ask anything — conversation history saved this session
Saving enough?
Cut spending?
Quarterly plan
IELTS savings
Lahore house
Your Profile
Saved Insights
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Zakat Calculator
Nisab ≈ AED 18,700 · Rate: 2.5%
Zakatable Assets
Cash & Savings
Held ≥ 1 lunar year
Serva Portfolio
Gold & Jewellery
Receivables
Debts to deduct
Zakat Due
Your Lahore house used by your mother is not zakatable — property for personal/family use is exempt.
Risk Profile
Financial resilience score with AI commentary
Settings & Admin
🏦 Accounts & Assets
💼 Income
▦ Budgets
📅 Obligations
🏷 Categories
🔔 Alerts
🔑 API & Integrations
💾 Data & Backup
💵 Cash in Hand
Bank Accounts
Investments
Property
Liabilities
Monthly Income
Monthly Fixed
Monthly Variable
Recurring Obligations
Annual
Recurring Obligations
Categories
🔒 PIN Lock
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Notification Preferences
🤖 Anthropic API Key
Required for AI Advisor, Receipt Scanner, Card Analyser, and Risk Narrative. Your key is stored only in your browser — never sent anywhere except directly to Anthropic.
Get your API key at console.anthropic.com → API Keys → Create Key.
The key is stored in
localStorage — clearing browser data will remove it.
📥 Direct Bank Import (CSV / JSON)
Import transactions directly from your bank's export file — no AI needed. Supports Emirates NBD, FAB, ADCB CSV exports, or any mapped JSON.
Google Account & Drive
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Local Auto-Save
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Export / Import JSON
Portable backup — works on any device without Google.
Storage Usage