Start with one thing.

Open My Money and press Add. Start with take-home income, a bank balance or spending. The optional setup guide lets you skip anything and return later. Unknown amounts stay blank; enter 0 only when the amount really is zero.

Net worth is what you own minus outstanding debt. Income is money coming in. Outgoings include household spending, property costs and full loan payments. What’s left is income minus outgoings. Asset growth does not become cash income.

The overview is an annualised average: weekly amounts × 52, fortnightly × 26, monthly × 12, quarterly × 4. A monthly average is annual total ÷ 12, not four weeks. Dated forecasts use the payment dates you enter and may have a different number of payments in a calendar year.

Enter bank balances and offsets once. Do not subtract an offset from the loan balance. Keep rent and costs with their property; add the mortgage separately and link it. Household spending excludes separately entered property bills and loan payments. Moving money between your accounts is a transfer, not new income.

Choose More → See my future or What if?. One, five and ten-year shortcuts use the assumptions shown. The buying-power option adjusts for your chosen inflation rate. Growth, fees, payment dates and inflation matter; omitted tax, pension rules, investment suitability and loan approval are not calculated. No result is guaranteed.

If you leave the payment blank, principal-and-interest repayments use a monthly annuity estimate from your opening balance, annual rate and remaining months. Weekly and fortnightly estimates convert that monthly amount using 52 and 26 payments per year. Forecast interest accrues daily on outstanding principal less the linked eligible offset, using actual elapsed days divided by 365, including leap years. The opening date accrues no interest; receipts and bills run before that day’s interest, followed by repayments. Interest-only payments use accrued interest; enter any opening accrued interest. Enter your actual lender repayment, fees, dates and fixed-rate expiry where known. Lender rounding, compounding and product rules can differ; this is an estimate, not a lender quote or loan approval.

You can record the balance as something you own. It stays as a recorded balance in totals: the app does not project its growth, contributions, insurance, tax, benefits or withdrawal eligibility.

My Money has Undo a recent money change. To-Do offers Undo after completing or removing a task, plus Recently removed. Permanent deletion asks for confirmation. Scenario previews stay separate until you explicitly apply them.

Original files stay in account-specific browser storage on the device used to upload them. They do not sync or get attached to support. Accepted figures, notes and extracted planning summaries can sync with your money records. Always check recognition results against the original.

An already open app can display loaded information. Cloud writes and support need a connection. Keep unsaved pages open, export pending changes and reconnect. A fresh offline launch shows an offline page; it does not cache private cloud records.

Log in with your account email and password, or choose “Use an email code instead” for a fresh verification code. Choose “Forgot password?” to verify your email and set a new password. If you have lost the email address, contact support using another verified email; recovery requires proof, never just a matching name or typed email.

Open Contact support to write a private message, then return there for the reply. Prospective customers can prepare a question and verify an email without starting a trial. No email reply alerts or guaranteed response time are offered.