We are working to enable users to track and plan their own financing. In the future periods, it will be possible to set a budget to a group, which will be included in the calculation of the hanging money. Hanging money, which is the amount of money that has not been allocated to any of the groups nor saving. A hanging money is calculated in every period. The budget and realized transactions are conditionally taken into account. If the value of the budget is greater than the amount of realized transactions, it is taken into account, otherwise it is calculated with the amount of real expenses or income. This gives us the opportunity to plan ahead for future periods, since the planned budget money is included in the calculation of hanging money. We see how much money we haven't used.

You can track your loans within the app. Go to the Loans page, where you can create a loan. You must enter the loan amount, the date of the first repayment and the term of the loan. After filling in all the fields, you can check whether the amount paid corresponds to reality. If this is correct and you create the loan, the system will automatically create recurring transactions and update the loan status day by day. If you subscribe to updates, you can receive notifications about your status.

As below mentioned, you can plan ahead and control your future incomes. To do this, you can create period ahead and start your budgeting. If you are in the current or future period, you have to option to set budget to a group. The hanging money will automatically calculate based on the groups budget or transactions amount (whichever is bigger). Now with this, if you set all your expenses you will able to see how much money you have left in that period.

Think of a virtual card like its a bag of transactions. To create, first you have to setup the properties:

• name
• starting balance - this represent your current money balance, that where you want to start
• locale - it is for showing the amounts properly according to your choice
• currency - inside the card, all the transactions has to be the same currency
• secondary currency (optional) - however, you can display all the showed amounts in a different currency with day-to-day updated real life exchange rate
• custom exchange rate (optional) - you don't have to see with today's exchange rate, you can setup this manually if you want to see with like with historical data or guessed future data
• period type - for mor info click here
• starting day of the month / period days - for more info click here

Virtual card is a concept of splitting the transactions which come from a going to a different place. Like your cash wallet or bankcard. But also you can create for one-time events which can require prepare, like travels. See some examples here

You can see your created cards and also the which is shared with you in the Cards page.

Inside a card you want to sort your transaction into budgeting periods. It can be month-to-month, but it does not have to start at the end of the month. It can start when your payday is. Once you set your preferences, the application will create your first period after creating a new virtual card. The period will start on the day of the creation and will end before a new period will create. You can modify anytime any of your periods starting and ending date. Like if you don't get your paycheck on time, or it delayed because of the weekend, you can adjust the date.

Groups are just describing the transactions type. You can name this categories. You can rename, reorder your groups and set an emoji and a budgeting value for it. It represent an assumption for the future. See details here. Whenever a new period created, it will copy all the groups from the previous period. However, the normal one-time transactions will not be copied. But the repeated transactions will be created and placed in its proper groups.

Transaction is self-explanatory. It is your income or expense log. When creating a new, can be set the:

• name
• value
• date
• group - where to be placed in. Can be existing or new
• transaction type - it will be automatic if you choose an existing group
• transaction items (optional) - here you can list the items belongs to this transaction (e.g., if you logging a grocery transaction, you can write in the items as well)
• repeating
• repeating type (if repeating is selected) - you can specify when the type of the repeating. It can be a specific day in a month or day range.
• repeating type value

All the card can be shared with anyone who has an active account. It is useful for joint household or for some events where you share your expenses with someone.

When sharing, you invited person can be viewer and editor. When the invited is a viewer, he cannot do any edit, only observe. You can share cards in the Cards page.

On the cards page, you have the ability to transfer money virtually between cards. Just like in real life. If you have two virtual cards, one for cash manage and one for bank card, and you moving money from or to your bank account to/from cash, then you do this in the app as well. You can transfer with currency difference. You can add the exchange rate of the transfer.