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Staying ahead

Plan and structure your money. Always stay on top.

Intentions instead of budgets, goals for what matters, and a forecast that shows its spread.

Intentions, not budgets Track how you do over time Suggested from your own spending Goals, personal or shared Six months ahead Tune it
Nine intentions as rings: Savings above its intention, the Japan trip A$50 to go.

Intentions, not budgets

Same same, but different: the numbers work like a budget, the relationship does not.

Each intention with a bar and what is left this month.

Track how you do over time

Follow each month against your intentions, then look back over three, six or twelve months.

Set intentions from reality: roughly where your money went over the last three months.

Suggested from your own spending

After about three months Tobsy can suggest intentions from your own rolling average.

A household fund for a trip to Japan: A$6,600 of A$9,000.
A laptop paid over time: A$1,200 of A$2,400, the next instalment date.

Set goals, personal or shared

Put money toward something, on your own or together, and watch it fill.

The next six months: likely spending each month as a bar with its range.

Six months ahead, with its spread

A forecast built from your own history, shown as a range rather than one confident number.

Can I afford this? A$1,200 typed in, and what that leaves for the month.

Tune it

Add what you expect, a trip or a repair, and watch the months ahead adjust.

Everything in Staying ahead, as a plain list
  • Intentions in dollars or percent
  • Rollover and roll-under
  • Per-category cadences
  • Monthly tracking, three, six or twelve months back
  • Suggestions from your own spending
  • Goals, personal or shared
  • Pay-over-time plans
  • Six-month forecast as a range
  • Expected expenses
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