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Select options above to build a report.
How would you like to send these events to your device?
(Utilities, Subscriptions, Rent, and Mortgages are automatically exempt).
Loading budgets...
Select the ugly bank name, then type what you want to call it.
Add a new category to your global list.
Automate categorization for this text.
If a transaction is in your database but hidden from your Ledger, it will show up here.
Build custom financial and medical reports, run snowball projections, and export your data to CSV or PDF.
To receive lock-screen alerts for due bills, you must install the Engine to your home screen.
Money Matters isn't just an expense tracker. It is a highly tuned financial engine designed to give you total visibility over your cash, crush your debt automatically, and manage your household life.
🛡️ The Escape Route: Don't stress about getting this setup perfect right now. Everything—every name, category, and rule—can be changed later in Settings. You are never locked in.
We use an ultra-secure bridge called SimpleFIN to pull your bank data. It is 100% Read-Only, meaning the app can see your transactions to do the math, but it is physically impossible for anyone to move your money.
A Sinking Fund is your financial shock absorber. Instead of your debt payoff getting derailed by a flat tire or a broken fridge, you set aside cash each month into a dedicated vault to absorb the blow.
What do you want to call your primary shock absorber? (e.g., Emergency Fund, House Repairs).
Plan for the inevitable.
Not all bills come monthly. Property taxes, semi-annual car insurance, and yearly subscriptions can wreck a budget.
In this engine, you use the Escrow Vault. You budget a small amount for these items every month. The engine tracks exactly how much you've saved so the money is sitting there waiting when the big bill finally hits.
You are your own bank.
Sometimes you *have* to dip into your savings. Instead of feeling guilty, you use the Internal Bank.
You record that you "Borrowed" money from yourself. The engine keeps a running ledger. When you have extra cash later, you "Repay" the vault. You can even charge yourself Interest to force your savings to grow faster!
The Snowball Engine automatically targets your lowest balances to crush debt fast.
🛡️ Smart Protection: We automatically exempt bills categorized as Utilities, Rent, Mortgage, Insurance, and Subscriptions.
Do you have any "off the wall" bills you want to protect from extra payments? (e.g., a medical bill, or a personal loan). Type them below, separated by commas. You can edit this anytime in Settings.
Let's stock your Vault! Enter your very first bill or credit card. (You can add the rest later).
The Engine doesn't run itself.
Every month, you have to push the buttons to make the magic happen. Click the blue ⚙️ Gear Button to open the Command Center.
Total Control.
From the Command Center, you can also:
🎓 Forget something? You can replay this exact tutorial anytime from the System Settings menu. You can even run a "Factory Reset" to completely wipe your data and start over.