You’re not paying for a tracker — you’re paying for the waterfall
Budget Engine
A personal finance dashboard built to run the same salary-to-savings-to-expenses logic I’ve used
in my own budget for years — rebuilt from a Google Sheet into a proper web app, so it works from
your phone in your pocket, not just a spreadsheet on your laptop.
Every rupee that lands in your account gets routed automatically: percent-first savings
(Emergency Fund, Retirement, Family Support) get set aside before anything else, then the rest
cascades through your expense categories in the priority order you set. No formulas to babysit.
12 MoRolling history, every category, every month
2Bank accounts tracked side by side
1 FileRuns entirely in your browser — nothing installed
Built and used for my own money first · Works on laptop and phone · Data stays yours, exported anytime
This Month’s AllocationLive
Salary Account · Credited
₹1,42,000
↓ routed first, percent-of-income ↓
Emergency FundSavings-first · 10%
₹14,200
RetirementSavings-first · 12%
₹17,040
↓ remainder cascades by priority ↓
Household EssentialsPriority 1
₹38,500
Credit Card DuesPriority 2 · Outstanding
₹22,900
DashboardTransfer FundsCC CyclesHistory
What’s actually inside
Not a mockup — every tab below is built, tested, and running.
Dashboard
One screen, grouped by classification
Savings, essentials, and discretionary spending grouped the way you actually think about money, with a hero band showing where you stand this month.
Waterfall
Percent-first, then priority cascade
Emergency Fund, Retirement, and Family Support are set aside as a percentage of income before anything else touches the money.
Transfer Funds
Partial transfers with live preview
Move money from salary to expense account manually, exactly the way you already do at the bank — the app just tracks it accurately.
Credit Cards
Billing cycles, not guesswork
Outstanding balances tracked against real CC billing cycles, with one-off overrides for the months that don’t follow the usual pattern.
History
12 months, side by side
See every category across the last year in one table, so patterns in your spending show up instead of staying buried in a single month’s view.
Your Data
Save, load, export — no lock-in
Everything saves to a JSON file you control. Export to CSV anytime. Nothing sits on a server you don’t own.
Curious how this was actually built? I publish the full build process — architecture, prompts, and decisions — as part of how I teach AI for personal finance.
It takes your income and runs it through the same waterfall I use for my own money: percent-first savings categories are set aside automatically, and whatever remains cascades through your expense categories in the priority order you define. You see the whole picture on one dashboard instead of hunting across spreadsheet tabs.
Q2: How is this different from a spreadsheet?+
The logic is the same one I ran in Google Sheets for years. The difference is the app does the routing, the billing-cycle tracking, and the history view for you — no formulas to maintain, and it works properly on a phone screen, which a multi-tab spreadsheet never really does.
Q3: Where does my financial data live?+
In a JSON file you save and load yourself. There’s no account, no server storing your numbers. If you use the app across a laptop and a phone, you carry that file between them the same way you’d carry any personal file — the app doesn’t upload it anywhere.
Q4: What happens when my subscription ends?+
Your saved JSON file is yours regardless — you can always export your data to CSV. Access details and renewal terms for the tool itself are on the pricing page.
Q5: What are the limitations right now?+
It’s built for one person’s budget at a time, not shared household accounts with simultaneous multi-user editing. Syncing across devices is manual today. Both are on the roadmap, not silently ignored.
Q6: Why is a personal-grade tool sold at all?+
Because building the waterfall logic correctly — savings-first allocation, priority cascades, billing-cycle handling — took real trial and error to get right. You’re paying to skip that work, not to hire me to build something new.
Q7: Who do I contact if something breaks?+
Reach out through the contact details on the pricing page and I’ll help directly — this is a one-person build, so support is me, not a ticketing queue.
