Monthly Budget & Savings Planner

Financial Status

Key metrics

Summary for the selected month

Total Income

$0.00

Inflows this month

Total Expenses

$0.00

Outflows this month

Net Cash Flow

$0.00

Income − expenses

Open Savings Fund

$0.00

Total Savings

Free Cash

$0.00

After rent reserve. Savings is funded only when you add a transfer.

Rent / housing reserve

$

—

Budget category monitors

Monthly spending progress. If a category goes over its cap, the bar turns red. Remittances have a strict $800.00 alert.

Detected subscriptions & fixed charges

Known services (Microsoft, Netflix, memberships) and repeating bank fees such as a $15.00 maintenance charge.

Concept	Source account	Typical amount	Category	Status

Micro-expense & subscription tracker

Ant-sized leaks under $35 and recurring streaming / app / membership charges this month.

Micro-expenses this month

$0.00

Projected annual impact

$0.00

This month’s leak × 12

Date	Description	Amount	Review

Emergency Fund & Savings Goal

Set a cash reserve target and fund it from leftover Free Cash after extra debt payments.

Target ($ USD) Already saved Monthly allocation

New transaction

Saved automatically in this browser.

Date Description Type Account Category Amount ($ USD)

Transactions

0 transactions

Drop Chase / Bank Statement (CSV or PDF) here, or click to browse

Date	Description	Type	Category	Amount	Action

Credit Command Center (Mi Centro Financiero)

Exact balances from the 2026 credit workbook. Target: drop overall utilization below 30% and become debt-free by January 2027.

Credit Score Shield

0%

Green < 10% · Yellow 10–29% · Red ≥ 30%

Total Card Balance

$0.00

Total Credit Limit

$0.00

Monthly Minimums

$0.00

Extra Payoff Budget

$0.00

Target Debt-Free Date

—

Due-date calendar & alerts

Traffic light for cards with a balance over $0. Red: due in under 3 days. Yellow: 4–7 days. Green: more than 7 days.

Debt Payoff Planner

Uses live card balances and minimums. Extra payment defaults to Free Cash and goes to the focus card; the rest stay on minimum.

Strategy Extra monthly payment

Defaults to this month’s positive Free Cash. You can raise or lower it.

#	Card	Balance	APR	This month	Paid off

Priority cards — immediate payoff focus

Highest-utilization accounts to attack first while every other minimum stays current.

All cards

Card	Balance	Limit	Utilization	Status	Debit account	Minimum	Action

CDC+ Payroll & Deposit Register

State deposit on the 19th and recurring Tuesday payroll every 14 days, from the handwritten CDC+ register.

Monthly state deposit

$0.00

Day 19 of each month

Recurring payroll

$0.00

Every 14 days / Tuesday

Reference starting balance

$0.00

After 7/28/2026 payroll

Upcoming payroll & deposit calendar

Running balance after each movement. Rows turn amber if the cushion would fall below $4,000.00.

Date	Weekday	Type	Money in	Payroll out	Balance after	Cushion	Verified

Monthly Cashflow & Due Dates

Green badges mark income days. Red/orange badges mark card due dates and fixed bills. The traffic light warns when large dues cluster before a paycheck.

User Guide / Índice Paso a Paso

A quick walkthrough of every module, in the order most families use them each month.

1

Set Up Income Sources

Log every recurring and variable income deposit (salary, freelance, investments, cash) as an income transaction in Monthly Budget & Savings so Total Income adds up correctly.

2

Budgets & Spending Monitors

Set a monthly cap for each category (Housing, Utilities, Auto Payment, Remittances, etc.) in the Budget Category Monitors so overspending is flagged early.

3

Cards & Debt Control (Credit Command Center)

Track balances, APR, and minimum payments for every card, and use the Debt Payoff Planner (snowball or avalanche) to speed up payoff.

4

Due-Date Calendar & Cash Flow

Check Monthly Cashflow & Due Dates for upcoming bill and card due dates to avoid late fees, and keep an eye on Free Cash before spending extra.

5

Reconciliation & Month-End Close

Match your bank account balances against recorded transactions in Reconciliation & Month-End Close, then lock the month once everything ties out.

6

Security, Backups & Privacy

Use Privacy Mode to blur numbers on screen, Export/Import Backup for JSON/CSV backups, and the Cerrar sesión button to end your session securely.

Financial Command Center

Financial Command Center

Key metrics

Budget category monitors

Detected subscriptions & fixed charges

Micro-expense & subscription tracker

Emergency Fund & Savings Goal

New transaction

Transactions

Credit Command Center (Mi Centro Financiero)

Due-date calendar & alerts

Debt Payoff Planner

Priority cards — immediate payoff focus

All cards

CDC+ Payroll & Deposit Register

Upcoming payroll & deposit calendar

Monthly Cashflow & Due Dates

User Guide / Índice Paso a Paso

Set Up Income Sources

Budgets & Spending Monitors

Cards & Debt Control (Credit Command Center)

Due-Date Calendar & Cash Flow

Reconciliation & Month-End Close

Security, Backups & Privacy

Add New Credit Card

Reconcile card statement

Confirm statement

Confirm bank import

Reconciliation & Month-End Close

Monthly Executive Report

Debt summary

Categorized expenses