Understand yesterday. Prepare for tomorrow. Spend confidently today.
My Money Center gives you the familiar tools for tracking transactions, then adds the forward-looking pieces that answer the questions a bank balance alone cannot.
Transaction history and reports help you see where your money went instead of relying on memory or guesswork.
Forecast brings expected income and bills together so you can see what is already spoken for before it happens.
Safe Spending turns a complicated picture into one practical daily guide.
The Forecast is the center of My Money Center. It starts with your cleared balance, adds the income and bills you have already entered, and shows the projected balance after each upcoming transaction.
At a glance you can see your Current Cleared Balance, the Lowest Expected Balance ahead, current budget progress, scheduled transactions, and the running balance after each one. Important deposits can be highlighted so reset points are easy to spot.
The Forecast is intentionally honest about what it knows: it includes the transactions currently entered rather than pretending it can predict every grocery trip, tank of gas, or impulse purchase.
Your bank balance can tell you what is in the account. It cannot tell you how much of that money is safe to use before the next main income deposit arrives.
Safe Spending looks at the current balance, upcoming transactions before your chosen reset deposit, the number of days remaining, and any cushion you want to keep aside. It then shows both the Total Available for Everyday Spending and a Safe Daily Spend.
Enter recurring income, rent, utilities, subscriptions, loan payments, insurance, and other repeating items once. My Money Center can automatically add their future occurrences to Forecast.
Scheduling supports common monthly patterns and other repeating rules. Each item shows how far ahead the app is filling, whether it is active, whether it adds transactions automatically, and whether it should be highlighted on Forecast. Changes to the repeating setup affect future generation; an individual Forecast occurrence can still be edited separately when real life varies.
Set monthly limits for the categories you care about. Budget progress appears both on the Budgets page and directly on Forecast, where it is most useful. Spending is based on cleared transactions for the calendar month, and refunds reduce the amount spent.
Search transactions dated before today by text, date range, cleared status, or how they were added. Results are paginated so long histories stay manageable.
Search the entire history—past, today, and future—in one place. Choose how many rows to show per page and move through the results without wrestling with an endless table.
Transactions can be edited on a dedicated edit page. Upcoming transactions can be marked cleared right from Forecast, and scheduled occurrences can be changed or removed without deleting the repeating setup behind them.
Reports are phrased around the things you are likely to want to know instead of around accounting jargon. Available views include:
Categories describe the kind of money involved; Names identify who or what a transaction is connected to. Both can be renamed, and duplicates can be combined without deleting the transactions attached to them.
Management tables remain horizontally scrollable when the browser gets narrow so columns never simply disappear offscreen.
The Welcome wizard walks a new user through the account, income, bills and expenses, Safe Spending, and final setup. No bank login is requested because My Money Center does not connect to a bank.
A complete backup contains the information needed to restore the browser app, including transactions, categories, names, budgets, repeating items, and settings. At the end of Welcome, My Money Center strongly recommends making a first backup immediately.
A CSV export is also available for spreadsheet use, but a CSV is not a complete backup.
Your financial information is stored in IndexedDB inside the browser profile you are using. Opening My Money Center in another browser or on another device does not automatically bring that data with you.
Because the app runs in a modern browser, there is no Linux package or Windows installer to maintain. The same web app can be used from Windows, macOS, Linux, or a Chromebook.
The app caches the files it needs. After it has been opened online, you can continue using it when the internet is unavailable; your financial data was local already.
