Dashboard
Your month at a glance — all figures calculate live from your transactions.
Financial Health Score
Sage Garden — your points
Earn points for calm money habits: +10 for a no-spend day, +5 for tapping the heart on the daily message, +5 when you add to a goal. Haveloo garden stages: Seedling → Sprout → Leafy → Blooming → Orchard → Harvest.
Where your money flows
Income → buckets → top categories (this month).
Upcoming bills
Goals at a glance
Smart insight
Paycheck Budget
Budget by paycheck — see what each paycheck covers.
Monthly Budget
Plan it, then live it — planned vs actual, with live totals.
50 / 30 / 20 check
Add / edit a budget
Weekly Budget
Shown inside each month — spending by week.
Bill Tracker & Calendar
Every bill and payday, one calendar. Bills and paydays fill themselves in from your recurring items.
Upcoming bills
Add a recurring bill / payday
Expense Tracker
Track spending, or import it. No bank login — you choose the file.
Add a transaction
Type a merchant — the planner suggests a category automatically (e.g. Netflix → Entertainment, Shell → Fuel, Trader Joe's → Groceries).
Debt Payoff Tracker
See your debt-free date. Snowball or avalanche — your choice.
Add a debt
Payoff simulator
Simulation follows the same maths every month: interest accrues first, minimum payments are paid first, then the extra payment goes to the priority debt (Avalanche = highest APR first, Snowball = lowest balance first). Freed minimums from paid-off debts roll into the extra pool. Maximum 360 months.
Savings Tracker
Save for what matters — sinking funds with a goal, a date and a monthly amount.
Add a goal
Net Worth Tracker
What you own minus what you owe, month by month.
Accounts
All your accounts in one place.
Add an account
Investment Forecast
Compound growth projection — adjust the numbers and watch the line move.
Annual Totals
The whole year at a glance — plus where the money goes, by group and by weekday.
By group
By weekday
No-Spend Challenge
Tap a day to mark it no-spend. Streaks earn garden points.
Current no-spend streak (days in a row, ending today or yesterday).
Green days are marked no-spend. Tap any day in the current month to toggle it.
Settings
Your planner, your rules. Everything is stored only in this browser, on this computer.
Money & dates
PIN privacy
Optional. When set, the planner asks for your PIN each time it opens. The PIN is stored only in this browser.
Backup & restore
Your data lives in this browser. Moving the file or changing computer will not move your data without a backup — download one regularly. Backups are not encrypted.
Backup reminder: in-app only — this offline file cannot send real notifications. Check the Dashboard each week; a reminder appears there when 7 days have passed since your last backup.
Sample data & fresh start
Sample data helps you explore. Remove it in one click and start with empty budgets.
Honest limits — please read
This is a single offline HTML file. It does not sync to the cloud, does not work as a phone/tablet app, has no bank login, no real notifications, and no Google/Apple Calendar sync. The calendar inside the planner is filled from your own bills and paydays. Data stays in the browser on the computer you used. Backups are not encrypted. Works on Mac or Windows in a modern browser.
Insights & Reports
What the numbers are actually saying.
Smart insights
Subscription audit
From your recurring items — total monthly cost, next renewal, keep or cancel.