NEW INCOME
—Vonage + Planet + other new earningsFINANCIAL CONTROL CENTER
Make every złoty count.
Vonage • Planet • Mortgage • Credit • Trading
YOUR MONEY AT A GLANCE
Income, savings & credit — clearly separated
This is a view of recorded activity, not a live bank balance. Credit is borrowed spending capacity, not money you own.
FROM SAVINGS
—Money brought into this month; not new earningsSAVINGS BALANCE
—Self-reported balance, separate from incomeMONTHLY SPENDING
—Includes credit card purchasesCASH LEFT THIS MONTH
—Estimated monthly cash flow, not your actual bank balanceAVAILABLE CARD CREDIT
—Estimated; verify against bank statementCASH + AVAILABLE CREDIT
—Potential spending capacity; credit must be repaidMONTHLY CASH-FLOW RATE
—Excludes money brought in from earlier savingsACCOUNT SNAPSHOTS
Update your savings and credit settings
These are your reported reference amounts, saved securely to your Supabase account. Changing them does not create an expense or transfer. Update savings when the actual balance changes. Credit available is an estimate based on recorded card transactions and repayments.
Note: Your 6,400 PLN From Savings entry is not automatically deducted from the reported 14,000 PLN because we haven't verified whether it was included in that balance. Set the current savings amount to your bank's real figure.
CASH MOVEMENT
Where your salary goes
WATCH LIST
Budget signals
THE BIG PICTURE
13-month financial trend
EVERY ZŁOTY MATTERS
Add a transaction
Transactions
PLANNED VS ACTUAL
Set your budget and spending
For everyday expenses, edit your limit and spent amount. The old Saving budget is displayed separately as a mortgage allocation, not spending. When you enter a manual spent amount, it replaces the transaction-based display for this category, without creating or changing any transactions. You can switch back to automatic tracking any time.
YOUR PATH TO MORTGAGE FREEDOM
Mortgage Freedom Planner
Log real payments, watch your balance fall, and try alternative payments without changing your actual plan.
REMAINING MORTGAGE
—— paid— paid toward principal
YOUR MONTHLY PLAN
7KYour baseline paymentEXPECTED PAYOFF
—Estimate at your actual monthly planPAYMENTS LEFT
—Including a smaller last paymentQUICK PAYMENT LOG
Record a mortgage payment
Use this whenever money actually leaves your bank for your mortgage. Saving here updates your real records.
ACTUAL PAYMENTS
Payment history
Each saved payment is part of your Activity records and reduces the mortgage once. Use Edit to fix a mistake.
PAYOFF PROGRESS
Payments and remaining debt each month
Projection assumes no future interest or fees unless explicitly accounted for. Payments already logged use their principal amounts. The schedule shows every future month, its planned payment and the debt left afterward.
JUST EXPERIMENTING — NOTHING IS SAVED
What if I paid more?
Changing the amount below will not change your 7,000 PLN plan or your recorded mortgage payments.
Before that month, keep paying 7K/month. On the chosen month, switch to your new amount and optionally add a one-time payment. These are experiments only.
NEW PAYOFF DATE
—MONTHS TO PAY OFF
—MONTHS SAVED VS 7K
—Month-by-month simulation
DEBT CONTROL
What's still outstanding
For your mortgage payment history and payoff calculator, use the Mortgage tab. Enter opening balances as of 1 September 2026. For newer debt, enter its starting balance and only record payments afterward. Credit card purchases add to its balance.
NET CONTRIBUTIONS
—RECORDED RETURNS
—ESTIMATED TRADING VALUE
—Trading by month
Record deposits and withdrawals as transfers; record gains or losses separately. Returns are entered manually, not live brokerage prices.
YOUR RECORDS, YOUR CONTROL
Back up your data
All records are saved in your private Supabase database when a save succeeds. You can additionally export a full JSON snapshot or transactions CSV.
Keep downloaded backups in a secure location. They are not encrypted. Free Supabase projects do not include automatic daily database backups.
Restore a JSON snapshot
Import only backups made by this app. Existing records with the same IDs are updated; other records are retained.