Yearly budget: plan the year once, then check in monthly
How to build a yearly budget from lines and rules, give every dollar a job, and plan raises and inflation ahead. From the Money Kit guide.
5 min readMONEY KIT · READY · 7 MODULESManage your money.
Your money in one file, no bank link.
Where do I stand this month, and what is the next money decision?
Budget, accounts, subscriptions, investments and retirement share the same data. The money coach reads all of it together and names the next decision.
One payment through Lemon Squeezy. One HTML file, about 1.6 MB.MODULES
Seven modules, one set of data
Pick a module to see its screen.
Write your income and costs into a monthly plan. This month shows the plan beside what really happened; Year plan adds irregular bills and the wishlist and works out the least the year has to bring in.
Sends month-end numbers to the coachThe money that leaves by itself every month, in one place: what each subscription costs a year and how often you use it, when bills are due, and what each debt owes. Upcoming payments show on the Overview.
Tells the coach which subscriptions you rarely useType a name, amount and price on one line of the weekly list. When you finish shopping, the cart becomes one entry on the grocery line. Buy something from the wishlist and it leaves the Year plan.
Writes grocery spending into BudgetBank accounts, credit cards, cash and savings books. Balances are worked out from what you entered and add up to your net worth. Pin a goal and it shows what is left and what a month needs to go in.
Sends net worth to the OverviewStocks, funds, bonds, crypto and metals, with your buys and sells. You paste in the prices; the file never fetches anything. Returns, allocation and dividends each have a tab.
Brings the portfolio into RetirementYour savings and what you put in each month run through 1,000 simulated markets. It shows in how many the money lasts to the age you plan for, and what a month would make it sturdy.
Takes the monthly amount from BudgetThe money coach scores your month out of 100 with seven plain rules over your own numbers, and says what would move it most. The Overview shows the score and one suggestion. On This month, Subscriptions and Retirement it gets one line, which you can switch off in Settings. At month end the review gathers facts from every module; the actions you write go on your list.
Pulls facts from every moduleA MONTH IN THE KIT
How the modules work together
Step by step, with sample data. Click a step.
- 1SubscriptionsA subscriptionGym · $45 a monthUsed: rarelyFlagged to the coach
- 2Money coachScore 773 subscriptions you rarely use cost $887 a yearSuggests: cancel the gymAdded to your actions
- 3ReviewMonthly reviewOctober closed: you kept 25% of incomeAction: cancel before Nov 3The action goes on your list
- 4BudgetThe planThe gym line ends in November$540 a year freed upWhat is left over goes to savings
- 5RetirementMonthly amountMore goes in each monthMore markets last to your ageNext month’s coach sees it
GUIDES
Read the Money Kit guides
The guides inside the file, written out in full. Read them before you buy.
Sinking funds: how to plan for irregular bills
How sinking funds turn car insurance, gifts and yearly fees into a small monthly amount, plus extra-paycheck months and uneven income. From the Money Kit guide.
5 min readSubscription costs per year: find the ones you no longer use
Why subscriptions look small, how to work out their yearly cost, a usage check that finds the ones to cancel, and a wishlist that plans what you want instead.
5 min readDebt avalanche vs snowball: which payoff method to choose
How the debt avalanche and debt snowball work, a worked example with three debts, what each one costs in interest, and how to pick the one you will stick with.
5 min readEmergency fund: how many months you need and how to get there
How to size an emergency fund in months of essentials, what counts toward it, how your savings rate sets the pace, and how to turn the gap into a goal.
4 min readMonthly money review: a ten-minute check-in that sticks
A monthly money review in ten minutes: the facts to look at, three questions to answer, a simple score to track, and how to test a big decision first.
5 min readTrack your net worth without linking your bank account
What net worth is, how to calculate it from accounts, cards, savings and loans, why the trend beats a single month, and how to track it with no bank link.
4 min readXIRR vs TWR: how to measure your real investment return
What XIRR and TWR each measure, realized versus unrealized gains, why cost basis matters and how yield on cost works. From the Money Kit guide.
6 min readDiversification and rebalancing: keep your portfolio on plan
Why weight matters more than the number of holdings, when sector bets add up, how drift and rebalancing work, and three ways to read portfolio risk.
5 min readDollar-cost averaging: buying regularly and what fees cost you
How dollar-cost averaging works, why fees matter more than they look, how to record gold and silver honestly, and the two upkeep habits that keep numbers true.
5 min readMonte Carlo retirement planning: will your savings last?
Plan retirement in today's money, see why a straight-line projection misleads, and learn how a Monte Carlo simulation turns your plan into a chance of success.
5 min readTax season checklist for investors: dates, forms and records
The US tax season for investors in one place: key dates, the forms to gather, how sales and dividends are reported, and how to keep records ready all year.
5 min readMulti-currency portfolio: how exchange rates change your return
Why one holding can be up in its own currency and down in yours, how to convert costs and values correctly, and why every exchange rate needs its date.
4 min readPRICE
Buy it once. Keep it.
What this is notIt doesn’t connect to your bank, and there is no statement or CSV import yet. You type in what happened.It doesn’t fetch prices or exchange rates. You paste in current prices.No sync between devices. If two people use it on two phones, you pass a backup file between you.It isn’t tax or investment advice, and it won’t file a tax return. Retirement and coach numbers rest on your own assumptions.It isn’t for a team or a business. One purchase covers one household.
$69once. Every 1.x update is free.
This is a digital product, so purchases are not refundable once delivered. Try the demo and look through the screens and guides first.
BudgetPaymentsShoppingSavingsInvestmentsRetirementReview
Buy on Lemon SqueezySold through Lemon Squeezy. Taxes and invoicing are handled at checkout.portfolio-tracker-backup.jsonopens in Investments
QUESTIONS
Questions about Money Kit
Does it connect to my bank?
No. The file’s security policy blocks every outgoing connection. You type in what happened; the plus button logs a purchase in a few seconds. There is no statement or CSV import yet.
Does it handle more than one currency?
Yes. Each account and line keeps its own currency, you enter the rates, and totals show in your base currency. Changing the base currency doesn’t rewrite the past.
Can a household use it?
Yes. It keeps people and sub-budgets apart, and the Show menu at the top shows everyone or one person. The file lives in one browser. On two devices you pass a backup file between you, because nothing syncs.
Do I have to use all seven modules?
No. Budget is always on; switch the others on and off in Settings → Modules. Data in a module you switch off is not deleted.
I use Portfolio Tracker. What happens to my data?
Export a backup from the tool and open it in Money Kit under Settings → Data. Your holdings, transactions and accounts come into Investments, and nothing in the kit is overwritten.
Can I use it on my phone?
The file opens in a phone browser. Data does not sync between your phone and your laptop; move it with a backup file.
How do I tell you something is missing?
Settings → Give feedback. There are drafts for a new module, a change, a problem or anything else, and your mail opens with the text filled in. Only what you write goes in, plus the kit version, language and browser. No amounts, no accounts.
Is there a subscription?
No. You pay once through Lemon Squeezy and keep the file.
Hear when a module ships.
One email per release. Nothing else.