128 things · nine groups
Everything it does
Each group opens with what most people come for. The rest of the 128 are one tap away.
- 128things it does, every one listed below
- 3apps: web, Android and iPhone
- 8languages, two of them right to left
Nothing here mentions that. Try a shorter word, or pick a topic above.
Overview, budget and reports
Where it went, where it is going, and what needs a look.
The period at a glance
This period at a glance: spent, of budget, left or over.
Pace against the plan
Pace against the plan: money out and money in, actual to today and expected to the last day, said in words as well as drawn. With nothing budgeted it says “no plan” rather than “$0.00 under”.
A heatmap of every day
A calendar heatmap of your spending, each day split — money out above the line, money in below — and a way to open a day.
- Where it went, by category, and open any category’s transactions.
- Where it came from, income by category. Money nobody has filed yet gets a row of its own, so the chart adds up to the figure beside it.
- A count of what needs review, and a way to open it.
- Worth knowing: bank problems, over-budget categories, the next charge due.
- Net worth and how it has changed — every account counted, investments and property included.
- Budget rows per category: budgeted, spent, left or over, percent used.
- The period box names which of four states the period is in — inside the budget, over it, nothing budgeted, or more went out than came in — always in words, colour only as emphasis.
- Set a category’s budget. Run a month that opens on a day other than the 1st.
- Turn rollover on or off for a category.
- Move money between categories, including “cover it”.
- Copy last month’s budget, take suggestions from your history, or start from zero.
- Show only the over-budget categories, and fold a long list of them.
- Arrange the app’s screens.Web: a sidebar kept per person, per budgetPhone: five fixed tabs
- Money in versus money out for the period, stated and drawn; month by month, with the range’s totals; and the net change per month.
- Analyze: group by category, payee or account; money out or money in; the categorised split; open any row’s transactions.
Transactions
Every line, findable, filed, and fixable.
A category offered for every line
Be offered a category for anything uncategorised, including transactions already in your history.
Rules offered as you file
Be offered a rule after you categorise something — edit it, preview what it matches, apply it, choose whether to overwrite.
Receipts kept with the spending
Attachments on a transaction: list, add, remove, view — previews, and a viewer with pages and stepped zoom. Removing one asks first; it is the one deletion with no undo behind it.
- The period’s list, with totals, and “Show more” for further pages.
- Search. Filter to what needs review. Filter by one or several categories, or by uncategorised. Filter by account. See one tag’s transactions.
- Sort by column.Web: column headers sort the whole periodPhone: grouped under day headings, in date order
- Add a transaction by hand.
- Categorise a transaction, and create a category from the picker — filing teaches the app however you filed it.
- Ask your bank’s provider again what an older transaction was. It asks before it runs, and the offer disappears once there is nothing left to recover.
- Be offered a category on your very first day, before you have filed anything — from what the bank’s provider says and from a shipped table of common merchants.
- Mark reviewed or unreviewed.Phone: also by swipe
- Select rows, or select all matching the current filter and tap rows off.Phone: also ranges, by drag or long-press
- In bulk: mark reviewed, set a category, delete, add a tag, move to another account.
- Make a rule from a transaction, seeded with it; nothing is written until you save.
- Split a transaction, and unsplit it.
- Find duplicates as groups, delete the copies, or say “not duplicates” — which is remembered.
- Export transactions as CSV, every row, each in its own currency.
- Undo the last change.
- Edit payee, amount, date, note, account and tags.Web: opens in a side panel
- Add a receipt from the camera, the photo library, or the share sheet.Phone: only
- Swipe actions on rows, with a demonstration that plays when a list first opens. Reduced motion turns it off.Phone: only — the web has row buttons
- Pull to refresh, and an offline cache.Phone: only
Accounts and banks
Every account you have, connected where that works and typed or imported where it does not.
Connect a bank
Connect a bank, choosing the country.Phone: the provider’s own SDK runs
Reconcile to the cent
Reconcile against a typed balance, with an adjustment — and “find the difference” marks recent transactions that might explain a gap.
Disconnect, keep the history
Disconnect a bank and keep its transactions.
- Accounts grouped, with totals, status, and the name of the bank each belongs to.
- Add an account by hand, choosing from eleven account types, each explained.
- Change an account’s type; hide it or show it again.
- See an account’s balance history.
- Remove an account and delete its transactions, or move them elsewhere, or keep them.
- Find and merge duplicate accounts, or say “different accounts” — which is remembered.
- Sign in a second time at a bank you already have; the app asks first, and only a yes spends a connection. Repairing an existing connection never asks.
- Give a connection your own name, offered the moment a second connection to the same bank is made.
- Decide about each account a bank offers, in a wizard after every connection — name it, then keep it, leave it out, or fold it into an account you already have, with “accept the rest” on every screen.
- Come back later to a connection still waiting on decisions.
- Look again for accounts a bank offers later; it says plainly when there is nothing new.
- Check one bank, or sync all of them, with progress reported where you pressed the button.
- See when a connection is still catching up on its history.
- See which accounts a connection feeds, each with its last four digits and balance.
- Reconnect a bank whose connection has broken.
- Claim a bank sign-in that was paid for and never connected — no new provider sign-in needed.
- Bring back a connection you disconnected: the credential and the cursor were kept, so everything since arrives at once, and the app says what will come before doing it.
- See the history of one connection: linked, reconnected, disconnected, restored, and what was decided about each account.
- See a bank’s own logo on its card, with a lettered tile as the fallback.
Import
A statement file from your bank, checked before a single row is written.
Any statement, any bank
Upload a statement and choose the account, or let the app detect it.
Check every row first
Check the rows before importing: tick and untick, see duplicates, see rows for other accounts.
Stop it, or undo it
Import with a progress indicator; stop it part-way and undo it.
- Map the file’s columns, flip the sign, set the date order.
- Add the accounts the file names.
- See recent imports, and undo one.
Rules and repeating charges
The app files things for you, and learns from how you file them.
Rules that read as sentences
Rules in order, each as a sentence, with its match count, an on/off switch, and a mark when one is shadowed by another.
Repeating charges, tracked
Repeating charges grouped, showing what is expected and what is paid, with “due soon” flagged.
Charges that settle themselves
Have a charge settle itself when a matching transaction turns up — from bank sync, import or typed in — for a tracked salary as well as a bill.
- Turn a rule on or off; delete it; reorder.Phone: dragsWeb: moves up and down
- Get rule proposals from your history, and add or dismiss each; a dismissal is remembered.
- Test a payee against your rules.
- See how many transactions a new rule would match, before saving.
- A full rule editor: fields, several tags, mark reviewed, on/off, save and apply, delete. Anything the editor has no box for is named on screen and kept untouched.
- A suggested category every time a row is read — from what you filed this shop as, then a shop whose name is like it, then a shipped table of 23,401 merchants and bank-statement idioms. Shown in a dashed outline and accepted in one press.
- Suggestions for charges to track, and track or decline each.
- Add a charge — weekly through to quarterly and yearly.
- Change its amount; skip one; pause and resume; stop tracking it.
- Mark a charge paid by picking the payment.
- Two panels: what is expected and has not arrived, and what has landed, each with its own total.
Budgets and the people in them
One budget or several, shared with the people you share money with.
Invite the people you share with
Invite somebody, resend, or withdraw it. The code is shown with a way to copy it, and an email is sent.
Undo a whole batch
See recent changes, and undo a whole batch of them.Web: a screen with its own address, so it can be linked to
Take everything with you
Download everything you have as a zip.Phone: saves it through the share sheet
- Switch between budgets. Create one. Rename one.
- Say which categories are not spending — money moved rather than money gone.
- Change the budget’s currency, country and time zone.
- Change the day the month starts on.Web: today
- See exchange rates, and enter your own.
- Leave a budget somebody shared with you.
- Delete a budget — you type its name to confirm, and you are offered an export first.
- Fill an empty budget with example data.
- See who is a member and which invitations are outstanding.
- Change somebody’s role. Remove somebody’s access.
- Only see the controls your role allows.
- Choose what a bank connection is allowed to fetch, with the price beside each switch. Every paid extra ships switched off; turning one off is never refused.
- See your plan, what it allows, and how much of it you have used.
- Be told what to do when a plan refuses something.
- Buy or manage your plan, monthly or yearly where both are on sale.Phone: on iPhone the app never mentions price
- Choose theme, density and language.
- Set your notification preferences — at most one email a day, after 8am where you are, one email with a section per budget, in your own language.
Categories and tags
Your own words for where money goes.
Categories with their figures
Categories by group, with usage and this month’s figure on every row.
Tags with usage and totals
Tags with usage, total and when last used. Create, rename, recolour, archive, restore, merge, delete.
Archive, never lose history
Archive and restore. Delete, seeing what depends on it first, and choose where its transactions go.
- Say what a category is: money out, money in, or only moved.
- See a category marked when it disagrees with the group it sits in — said, never silently fixed.
- Show archived categories. Add a category, or a group.
- Rename; move to another group; reorder, including dropping onto a group heading.
- Rename a group; remove a group that still has categories — they move to the top.
- Merge one category into another. This one cannot be undone, and the app says so first.
- A tag picker with search, and create-in-place with a choice of twelve colours.
Sign-in and account
Getting in, staying safe, and leaving when you want to.
Lock it with your face or fingerprint
Lock the app with Face ID or a fingerprint, and forget me.Phone: only — it is a property of holding a phone
Two-factor authentication
Turn two-factor authentication on or off, scan the code, copy the key or all ten recovery codes in one action, and be warned when recovery codes run low.
Every device, signed out by name
See every device signed in, sign out one by name or all others at once. Sessions end by themselves at 7 days idle or 30 days old.
- Sign in with an email address and password.
- Enter a two-factor code, or a recovery code instead.
- Sign up, confirming your country, currency and time zone.
- Ask for a password reset link, and set a new password from it.
- Accept an invitation to somebody else’s budget — already signed in, join with the code.Phone: confirms country, currency and time zone as a second step
- Open a link sent to you by email.Web: opens it as a web addressPhone: you paste it in
- Sign back in after a session lapses, and keep the page you were on.
- Change your password. Change your display name.
- Delete your account. Sign out.
Allowances, agreements and notices
What your plan allows, and what the app has to tell you.
See what your plan has left
See how much of your plan’s allowance is left.
Agree to what you must, once
See and accept the documents you have to agree to.
- See and acknowledge a notice you cannot switch off.
- Sign in with no budget yet and be told so.
Connecting a bank directly works in some countries. Importing a file works everywhere — and for most of the world that is not a fallback, it is the way in.