Total Net Worth

📊 30-Day Cash Flow

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Smart Split 💸

🔀 Edit Order

Allocated using your 9-step priority. Each row shows WHY that amount was chosen. Amounts are editable — adjust before confirming.

Remaining₱0

🧠 AI Strategy Coach

Strategy: 🔥 Avalanche (highest APR first) ⛄ Snowball (smallest balance first)

After Bills Split

Once debts are paid for the month, their share goes to savings

← →

What are receivables?
The opposite of debts — money people owe YOU. Track:
• 📄 Unpaid invoices — sent a client a bill? Track it until they pay
• 🤝 Loans to friends/family — keep a record so nothing gets forgotten
• ⏳ Pending refunds/deposits — waiting on money that's coming

How it works: Add a receivable → it shows on your Home dashboard → when they pay you, hit 💰 Paid → the amount auto-adds to your linked bank account.
Auto-marks overdue if past the due date.

Move money between your accounts.
Both balances update instantly — one goes down, the other goes up.

Supported: 🏦→🏦 Bank to bank · 🏦→💵 Bank to e-wallet · 🏦→💳 Bank to credit card (pays down balance) · 🏦→📦 Bank to savings pot · 📦→📦 Pot to pot

💡 Use this instead of manually editing balances in two places. Transfer history is logged below.

This controls the order your paycheck gets allocated. The engine works top-to-bottom — each step takes what it needs, then passes the remainder to the next.

How it works:
Use ▲/▼ to reorder. Higher = gets funded first.

🎯 Goals — capped at 30% of paycheck, weighted by deadline urgency
🏠 Bills in window — bills due before your next payday get full amount
💳 CC minimums — pays just the minimum due to protect your credit score
⚡ Debt minimums — monthly payment on debts due before next payday
🫙 Variable pots — daily spending jars (food, transport) split across paychecks
💳⚡ Extra paydown — uses your surplus % to pay above minimums on CC/debts
⚪ Outside window — partial funding for things due after next payday
💰 Extra savings — surplus % boost to your top goal
🐷 Leftover — whatever's left, unallocated flex money

💡 Most people should keep the default order. Only change this if you have a specific reason — like wanting spending money before extra debt paydown.

🗑️ Delete My Cloud Data

📥 Export JSON 📤 Import JSON 🗑️ Reset All Data

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🌸

v2.1 February 2026

💸 Smart Paycheck Splitter — 9-step priority engine with calendar-window awareness
🔀 Customizable Split Priority — reorder the 9 steps to match your style
📩 Receivables Tracker — track unpaid invoices and money owed to you
↔️ Account Transfers — move money between accounts instantly
💰 Fund Jar — allocate existing account balance to jars without a paycheck split
📋 Transfer Report — post-split checklist showing where to send each amount
🏦 Accounts Dashboard — full net worth view with per-account details
💵 Cash Tracking — track physical cash alongside bank accounts
🍯 Honey Jars & Pots — fixed (bills) and variable (spending) budget envelopes
💳 Debt Crusher — Snowball/Avalanche with payoff timeline
🔮 Financial Tarot — AI-powered purchase advisor using real data
👩‍💻 Client Income Tracker — per-client earnings + currency conversion
📅 Semi-Monthly Pay — supports 15th & 30th (auto-adjusts for Feb)
💱 50+ Currencies — PHP, USD, INR, MYR, IDR, THB, and many more
📅 Calendar — bill deadlines, debt dates, goal countdowns, 30-day forecast
☁️ Google Sheets Sync — your data follows you everywhere
🤖 AI Financial Assessment — brutally honest money analysis
⚡ Free AI (Groq/Grok) — bring your own API key for faster AI
🧾 Receipt Photos — snap and attach to expenses
📆 Flexible Pay Schedules — weekly, biweekly, monthly, semi-monthly, per project
📊 Income Stability Meter — track income volatility
🔒 Privacy Controls — CCPA opt-out, data export, right to erasure
🌙 Graveyard Shift Mode — dimmed theme for night owls
🎨 Themes, Fonts & Colors — make it yours

v2.3 — February 25, 2026 (Current)
🆕 Customizable Split Priority — drag to reorder the 9-step engine to match your style
🆕 Receivables Tracker — track unpaid invoices, pending payments, money owed to you
🆕 Account Transfers — move money between accounts with instant balance updates
🆕 Fund Jar from Account — allocate existing balance to a jar without a paycheck split
🐛 Fixed logo turning into question mark when editing accounts
🐛 Fixed account subSavings being erased on edit
🔄 Split engine fully modularized for customizable priority

v2.2 — February 25, 2026
🆕 Smart Split v3 — new 9-step priority engine: Goals (30% cap) → Bills in window → CC minimums → Debt minimums → Variable pots → Extra CC/debt paydown → Outside window (partial) → Extra savings → Leftover
🆕 CC pays minimum first (protects score), extra paydown comes from surplus %
🆕 Variable spending pots funded BEFORE extra debt paydowns
🆕 Out-of-window obligations handled separately with partial funding
🔄 Updated Bloom Method in tour, help, and onboarding
🔄 All branding confirmed as BudgetsBloom

v2.1 — February 25, 2026
🆕 Accounts Dashboard — dedicated tab with net worth, per-account cards & transaction history
🆕 Transfer Report — post-split checklist grouped by account with tap-to-confirm
🆕 Semi-Monthly Pay — supports two specific pay dates (e.g. 15th & 30th, Feb auto-adjusts)
🆕 50+ Currencies — INR, MYR, IDR, THB, VND, KRW, CNY, AED, and 40+ more
🆕 Cash Accounts — track physical cash alongside banks & e-wallets
🆕 Free AI API Guide — Groq & Grok setup instructions in docs
🐛 Fixed syntax error in split confirmation
🔄 All branding updated to BudgetsBloom

v2.0 — February 2026
Complete redesign with top nav, Google Sheets sync, Financial Tarot, credit card tracking, client tracker, receipt photos, graveyard shift mode, net worth dashboard, welcome tour, and more.

v1.0 — February 2026
Initial release with paycheck splitter, honey jars, debt tracker, expense logger, goal tracking, and AI assessment.