An annual budget planner app

Make occasional costs visible

Looking only at this month can hide next month’s insurance or annual membership payment. Put each cost in its actual payment month. Record a service billed annually as a one-time budget expense rather than treating it as a monthly subscription.

Edit the plan in the Annual Matrix

Spread recurring income and expenses across the year and add seasonal items only to selected months. Apply a pay rise through year-end. The Annual Matrix shows items and months together, with editing scopes available from individual cells.

Lock a baseline and compare actual results

Locking the annual plan creates a starting snapshot. Later salary or statement changes affect the current budget; they do not automatically rewrite the locked baseline. Confirm actual amounts and balances at month-end to inspect differences.

Separate budget results from asset changes

A budget surplus is not your bank balance. Update actual asset balances. The Wealth Bridge separates actual savings from changes in asset values. If you enter an annual inflation rate, you can also assess real purchasing-power changes.

Carry the plan into next year

Year Rollover copies the plan with your chosen increase rate. Past records remain, and subscriptions carry forward at their current prices. Review the new year’s income and expenses separately. Monthly and annual PDF reports offer summary and detailed views.

Frequently asked questions