FAQ
You can start with your own wallets. A partner platform is optional.
Two numbers. Net worth is what you own minus what you owe. Spendable cash is what you can use today.
- Create an account.
- Add the wallets you actually use: bank, phone payment, and cash.
- Record income and expense.
- Spend today is the only money in the spendable number.
- Set aside is still yours, such as savings. It stays in net worth and out of spendable cash.
- Not in hand has been received, but not withdrawn yet. It stays in net worth.
Nothing is subtracted. Spendable cash is the sum of the wallets you marked “spend today.”
Add it under Platforms and mark it Owned. Its profit is yours. Leave the held fund empty.
Mark that platform External. Enter the amount already counted, and the date it is counted through. Later income on a spend-today wallet increases the fund, and later expense decreases it. Net worth does not subtract it.