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.

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.

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 debt.

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.

• Month-End Rollover: Click this on the last day of the month! It automatically finds money you didn't spend in your budget and sweeps it into your Escrow and Savings vaults.
• The Snowball Button: Once your rollover is complete, click the Snowball button. The engine takes your leftover cash and violently applies it to your most urgent debt targets!

Final Step: Install the App

To receive Push Notifications when bills are due, you must install the Engine to your phone:

• iOS / iPhone: Tap the Share icon at the bottom of Safari, then tap Add to Home Screen.
• Android: Tap the 3-dot menu in Chrome and select Install App.
• Open the app from your home screen, go to Settings (⚙️), and click Arm Device.