Financial overview
Liabilities by legal borrower
Project Phoenix milestones
Next actions
Verify the latest loan balances, mark Flex Salary closed only after the payment confirmation, and record daily expenses. Debt priorities update automatically in Smart priorities; record chit slots in Chit funds.
| Lender / Type | Borrower / Payer | Outstanding | EMI | Status | Action |
|---|
Add loan
Record income received
Enter actual credits, not expected payments. Record non-INR receipts with their INR equivalent to include them in INR dashboard totals.
Income summary
Loan proceeds, balance transfers and chit payouts are financing inflows, not earnings. Do not record them as salary or business income.
Income history
| Date | Category / source | Received by | Original amount | INR equivalent | Notes |
|---|
Add daily spending
Spending summary
Expense history
| Date | Category | Person | Method | Note | Amount |
|---|
Record an EMI / foreclosure / card payment
A payment is logged separately from the lender's balance. Since interest, charges and fees affect principal, update the balance using the lender's latest statement rather than subtracting the whole payment automatically.
Payment history
| Date | Loan | Type | Amount | Notes |
|---|
⚖ Smart debt priorities
Compare the cost of debt, EMI relief, foreclosure fees, remaining tenure and collateral risk. Recalculated automatically when you edit any loan.
Indicative decision support — not a bank payoff quote.Rankings are conditional: debts missing interest rate, remaining months or foreclosure fees are flagged as incomplete. Exact future interest requires the lender's amortization schedule, rate type and settlement quote. A partial repayment does not necessarily release the EMI.
◈ Chit fund management
Track every slot separately, the legal member, who pays, auction payouts, subscriptions and remaining commitments.
Chit payouts are financing receipts, not salary or earned income.Add or edit chit slot
Chit slots
| Scheme / Slot | Member / Payer | Paid / Total | Monthly | Remaining scheduled | Payout | Actions |
|---|
Scheduled commitments assume fixed monthly subscriptions. Variable auction dividends and late fees require actual statements.
Cash-flow planner
Monthly position
Debt payoff shortlist
Indicative balanced priority based on rate, EMI relief, tenure, foreclosure charges and urgency. See Smart priorities for assumptions and missing data.
Investments & wealth
Track holdings, contributions, current valuations and maturity dates. Values are manually maintained; no market feed.
Add or update investment
Investment register
| Holding | Owner | Invested | Current | Gain / loss | Monthly | Actions |
|---|
Subscriptions & renewals
Recurring software, insurance, utilities, memberships and annual renewals. Avoid duplicate recording when a charge is already in daily spends.
Add or update renewal
Renewal register
| Service | Cost / cycle | Next renewal | Usage | Status | Actions |
|---|
Money owed to you · Receivables
Track money to collect from friends, family, employers, institutions, clients or anyone else. Partial collections reduce the outstanding amount. A promised payment is not income until received.
Add / edit amount owed
Record a collection
Collections are tracked separately from salary and other income to prevent double-counting. Add to Income only when appropriate for your accounting treatment.
Collections history
Receivables register
| Party / reason | Original | Collected | Pending | Due | Status | Actions |
|---|
Transfers & internal movements
Record transfers between accounts, family members, businesses and countries without treating them as earned income or household spending.
Record a transfer
Transfers
| Date | From → To | Type | Amount | Status | Action |
|---|
Unified financial calendar
EMIs, chit contributions, investment SIPs, subscription renewals, planned transfers and investment maturities in one timeline.
Events and obligations
Loan dates missing from the register cannot be scheduled. Recurring projections are not proof of payment; record actual payments separately. One-time scheduled transfers appear only in their dated month.
Spend intelligence & controls
Evidence-based spending insights, category trends, budgets and subscription optimization. No AI bank connection or automatic categorization is assumed.
Expense mix
Spending by category
Six-month spending trend
Spend control suggestions
Category budget limits
Optional monthly limits. Save limits to receive warnings as transactions accumulate.
Backup and transfer
Data is saved in this browser's local storage. It is not synced between devices. Export a backup regularly.
About this website
Works without a server after download. For a single shared dashboard across tabs, use one hosted website origin. For real synchronization between phones, computers or different browsers, a secure login and database are required.
This site has no connection to your banks. Never enter passwords, full card numbers or OTPs.