Calculated live. The net figure updates automatically from the payment log and funding entries. Joint-account payments are treated as neutral; anything unconfirmed is held in "Needs checking" rather than guessed at.
Needs checking
Gill owes John
Amounts John has funded on Gill's behalf
Subtotal
John owes Gill
Gill's payments where John owes his share
Subtotal
Spending by category
All logged payments
Monthly funding is the regular money John provides toward Gill's costs — joint-account contribution, direct consultancy payment, and farm-account pass-through.
Monthly Bills
?
…
Your monthly bills
Where the money goes
Birthdays
Hammond family
Milestone birthdays shown in a deeper colour. Tap any month to see more detail in the Upcoming view.
Cornwall Income
Rental P&L
Net income (pre-tax)
£0
Figures shown are examples until you replace them. Rental income is attached to the actual stays in your booking calendar — tap any stay in the Income tab to set what was paid.
Income statement
Where the costs go
Month by month
Revenue (teal) vs costs (coral)
Monthly Finances
Net worth
Total net worth
£0
Net worth over time
What it's made of
Composition of net worth, latest month
Account Analysis
Monthly spend
Volatile, one-off spending only — the recurring bills live in Monthly Bills, and the mortgage in Monthly Finances, so they're deliberately excluded here. Seeded with your real Jan–May 2026 figures.
One-off spend over time
Breakdown by category
Largest category by month
Which category topped the table each month
Insights
Whole-household cashflow, including all bills and mortgage. Income is lumpy — Feb dipped during the job move, and March includes the Morgan Stanley buyout bonus — so read the running YTD figures rather than any single month.
Income vs expenditure
Each month, and the running position
Saved & invested
Contributions into ISAs and investments
Savings
Accounts & interest
Total savings over time
Accounts
Ordered by interest rate — highest first
Opening
£0
+
Contributions
£0
+
Interest
£0
Closing balance
£0
By account
All activity
Every interest payment, contribution and withdrawal — newest first. Amber marks a month with no interest logged.
Add booking
Add payment
John: £0Gill: £0
Add funding entry
Add bill
SubscriptionShow in subs view
Bill total: £0.00
Add person
Set rental income
Payment receivedMark once the money's in
Add entry
Add month
Property equity£0
Net worth£0
Add month
One-off spend total: £0.00
Add
Use a minus for a withdrawal. Paid in twice this month? Just add a second entry.
Premium Bonds have no fixed rate — we'll calculate an effective rate from winnings and balance over time. Log winnings each month as you would interest.
Doesn't affect missing-month flags — those only start from your first entry.