Get started
Where Money
Get started
What this is, what it refuses to do, and how to get from an empty file to a first chart.
- Your dataWhere Money is a privacy product first and a budgeting product second.
- Getting startedNothing to install. The first thing the app asks for is a name for your database file.
- Your first importThe first import sets up an account as a side effect of doing the import — and nothing else needs setting up:
Using the app
One page per tab, in the order the top bar puts them.
- OverviewOne month at a time: what it cost, what it was made of, and the transactions behind any part of it. A toggle r
- TransactionsEvery row in the file, newest first. This is where you go when you don't know where a transaction came from —
- Net worthThree tabs, and a second ledger that has nothing to do with your imports.
- ImportOne gesture, and nothing is written until you commit. The guided setup for a new bank is Your first import; it
- Categories and rulesA category is where a transaction is filed. A rule is how it gets there without you.
- AccountsOne account per bank account you export from. It is what transactions are filed under, what duplicate detectio
- Bank layoutsHow a bank lays its CSV out — encoding, delimiter, preamble, which column is which — is read off the file itse
- Database and the save fileFile name, size, schema version, and counts of transactions, accounts, categories and imports. Two lines matte
How the numbers work
The rules behind every figure on the dashboard — worth reading once before trusting one.
- What counts as spendingIf you read one page before trusting a number, read this one.
- How net worth is worked outEvery figure on the Net Worth tab comes from the records you typed on the Records tab. Nothing on this page is
- Duplicates and re-importsYou should be able to export "the last 90 days" every month and import it without a thought. That works becaus
- Currencies and exchange ratesEvery transaction is stored in PLN. A row that arrived in another currency is converted at import, with the fi
Reference
Look-up material: keys, fixes, and the words this app uses.
- KeyboardThe three screens where you work through rows one at a time are built to be driven without the mouse: import r
- Troubleshooting"Could not acquire the OPFS storage pool — is the app already open in another tab?" It is. The storage is excl
- GlossaryWords this app uses in a specific way.
Where Money turns the CSV exports your bank already gives you into an answer to one question: where did the money go this month.
It runs in your browser. Everything it knows lives in one SQLite file on your own disk — no account, no server, nothing uploaded. See Your data.
How it works#
- An account — one per bank account you export from.
- A layout — how that bank lays its CSV out. Read off the file itself, pinned when you commit, reused forever.
- An import — parse, review, commit. Nothing is written until you say so.
- Categories and rules — categorize a row once, and every future row like it lands categorized.
Then the Overview tab answers the month: what it cost, what it was made of, and which transactions are behind any part of it.
What it is not#
- Not connected to your bank. It reads files you exported yourself, and never asks for a credential.
- Not a source of truth. Your bank's statements are the record; this is a lens on them.
- Not a net-worth tracker from your statements. Nothing here derives a balance from an import — savings accounts are deliberately never imported, so a balance built out of them would measure which files you uploaded rather than money you hold. If you want to track net worth, the Net Worth tab is a separate ledger you type yourself, once a month.
- Not financial advice.
Start here#
Never opened it? Getting started, then Your first import. About ten minutes, most of it finding the export button on your bank's website.
Already imported something? Read What counts as spending — it explains why a transfer to your own savings is not in the total and a transfer to a joint account is.