Welcome to Your Personal Finance Tracker!

How to Use

1. Upload Your Excel File (or use the sample):
   AccountsCategoriesSubCategoriesEventsTransactions
   You can always download a sample file below if you're unsure.
2. View Your Dashboard: See powerful analytics including burn rate, expense growth, savings rate, and investment utilization with interactive charts and KPIs.
3. Filter & Analyze: Use the Filter Panel to focus on specific months, years, or exclude certain events from your analysis.
4. Manage Data: Use the Editor tab to create and update accounts, categories, subcategories, and events.
5. Record Transactions: Go to Transactions to add, edit, or duplicate your daily expenses and income with advanced filtering.
6. Export Your Data: Download your updated Excel file anytime for backup or sharing.

What Can You Do?

• Track all your accounts (bank, cash, wallet, investments, etc.) organized by type
• View comprehensive analytics: Burn Rate, Expense Growth, Savings Rate, Investment Utilization, and more
• Analyze spending with Expense Concentration, Top Expenses, and Expense by Subcategory cards
• Monitor account activity and income sources with detailed dashboards
• Tag special events (like trips or celebrations) to group and analyze related expenses
• Identify and track recurring expenses (like rent or subscriptions) for better planning
• Filter transactions by date, account, category, type, and search terms
• Sort transactions by date or amount for quick insights
• Duplicate transactions to quickly add similar entries
• Switch between light and dark mode for your comfort

What Does the Excel File Look Like?

Each sheet in your Excel file should have these columns:

• Accounts: id, name, type, openingBalance, date
• Categories: id, name, txnType (Expense/Income/Transfer)
• SubCategories: id, categoryId, name
• Events: id, name (for grouping expenses by event)
• Transactions: id, date (YYYY-MM-DD), accountFromId, accountToId, type, amount, categoryId, subCategoryId, note, description, eventId, isRecurring

Dashboard Analytics

Your dashboard displays powerful KPIs and analytics to help you understand your financial health:

• Burn Rate: Your average monthly expense rate to help with budgeting
• Expense Growth: Track how your spending changes month over month
• Savings Rate: See what percentage of your income you're saving
• Investment Utilization: Monitor how much of your assets are invested
• Recurring Expense Ratio: Understand what portion of expenses are recurring
• Account Activity: View transaction counts and balances across accounts
• Top Expenses & Income: Identify your biggest spending and earning categories
• Expense Concentration: See if your spending is spread or concentrated
• Expense Volatility: Track how stable or variable your expenses are
• Expense by Subcategory: Drill down into detailed spending breakdown

Account Types

Organize your accounts by type to get meaningful analytics:

• Asset: Bank accounts, cash, savings, and other liquid assets
• Investment: Stocks, bonds, crypto, and other investments
• Liability: Credit cards, loans, and other debts

Transaction Types

Use these transaction types for proper categorization:

• Expense: Money going out (groceries, utilities, etc.)
• Income: Money coming in (salary, freelance work, etc.)
• Transfer: Moving money between your own accounts

Tips for Everyday Use

• Use the Filter Panel to focus on a specific month, year, or event—all dashboard metrics will update automatically
• Mark regular expenses as recurring to identify patterns and fixed costs
• In the Transactions tab, use filters by account, category, and type to find specific entries quickly
• Hover over info icons (ℹ️) on dashboard cards for detailed explanations
• Export your data regularly to keep a backup or share with others
• Switch between dark and light themes using the sun/moon icon in the navbar
• Use the duplicate transaction feature to quickly add similar expenses

Frequently Asked Questions

• What kind of Excel file do I need?
  You can use the sample file above, or export your data to see the format. Just make sure dates look like 2024-01-31.
• How do I filter the dashboard?
  Use the Filter Panel to select a month/year or toggle events on/off. All dashboard metrics will update automatically.
• Can I filter transactions in multiple ways?
  Yes! You can filter by date, account, category, subcategory, transaction type, and search text. Combine filters for precise results.
• What does “Recurring Expense” mean?
  Mark transactions as recurring if they repeat regularly (monthly rent, subscriptions, etc.). This helps you identify fixed costs.
• Can I use this app offline?
  Your data stays in your browser and you can export/import Excel files anytime, even without internet.
• How do I start over?
  Upload a new Excel file or clear your browser storage to reset everything.
• Can I duplicate a transaction?
  Yes! In the Transactions table, click the copy icon on any transaction to quickly create a duplicate that you can then edit.