What Can We Spend?
Accounts
Every income, expense, import, and register transaction belongs to an account. QBO imports create accounts automatically, but you can add cash, savings, or another checking account here.
| Name | ID | Type | Balance | As Of |
|---|
Register
| Date | Account | Description | Category | Debit | Credit | Status |
|---|
Expenses / Planned Debits
Use this for bills and expenses that are not posted yet. Choose the account it will come out of. Ongoing Bills automatically appear here as unpaid Expenses when they are due in the 30-day window. This is where expenses are reviewed and marked paid. Each unpaid expense shows whether it can be paid now, should wait for payday, or is not safe against the 30-day budget.
Can We Pay All Bills Now?
This checks all unpaid Expenses due in the next 30 days for the selected account.
Ongoing Bill Check
The system should auto-create due ongoing bills as unpaid Expense rows below. Anything listed here still needs to be created manually because it did not match an Expense row.
| Status | Due | Account | Expense | Category | Amount |
|---|
| Due Date | Account | Expense | Category | Amount | Required | Status |
|---|
Income / Planned Credits
Use this for expected paychecks, deposits, refunds, or other money that has not posted yet. Forecast paychecks show as estimated until you mark them real or received.
| Expected Date | Account | Income | Category | Amount | Received |
|---|
Household Overview
This page looks at the household as a whole: all upcoming bills together, then William income vs Kari income so the bill load makes sense.
Income Split vs Bill Share
Bills are shown as one household total. The person split below is only a comparison based on each person's scheduled income share.
Income vs Bills
Bills By Category
| Category | Amount | Percent of Bills |
|---|
Upcoming Household Bills
| Due | Bill | Category | Amount | Type |
|---|
Scheduled Income
| Date | Person | Income | Amount | Status |
|---|
Ongoing Bills Monthly Baseline
This is the recurring bill template list converted to a rough monthly amount. The unpaid bill rows above are what actually drive the current 30-day plan.
| Bill | Frequency | Amount | Monthly Equivalent | Next Due |
|---|
Spending Limits / Envelopes
Set monthly spending limits. Examples are just plain-language hints like Walmart, Target, Safeway, or Maverik, so it is easier to remember what belongs in each category.
| Priority | Spending Limit | Categories | Examples / Stores | Monthly Limit | Active | Spent | Left |
|---|
Reports / Month Summary
This is just a plain end-of-month report: expected vs real income, bills paid, spending limit use, and whether money was left or short. It does not change the budget.
This Month Summary
| Spending Limit | Examples | Limit | Spent | Planned | Left | Status |
|---|
Income Forecast
Set up paychecks by person. Hourly pay uses hours per day and the pay period start/end dates. The system auto-creates future planned income, then QBO can later confirm the real deposit.
People / Paycheck Setups
Edit hours per day or pay rate here. Future unreceived paycheck rows are regenerated when this is saved. Received income stays locked.
| Person | Method | Rate | Hours / Day | Fixed | Net % | Frequency | Next Payday | Period Start | Period End | Account | Active |
|---|
Ongoing / Recurring Bills
Use this for bills that repeat. Ongoing Bills are templates. The actual unpaid/paid bill rows live in Expenses. If something looks mixed up, use Recalculate / Repair.
| Next Due | Account | Bill | Frequency | Category | Amount | Autopay | Active |
|---|
How Ongoing Bills Work
This page is only the repeating bill template list. The actual monthly bill instances are automatically created on the Expenses page, where they stay unpaid until marked paid.
Transfers
Use this for Checking → Savings, Savings → Checking, or rent holding. Transfers do not count as income or expenses.
| Date | From | To | Amount | Purpose |
|---|
Import Staging
QBO imports land here first. FITID duplicates are blocked before posting to the ledger. Each staged transaction shows the account found in the QBO.
| State | Date | Account | Description | Debit | Credit |
|---|
Goals / Payoff Ledger
Track payoff goals, savings goals, and payments in one place. The trustee settlement is just one reusable goal.
Import QBO / OFX
Backup / Restore
Create a backup before big edits or restore a previous ledger backup if something goes wrong.
| Backup File | Modified | Size |
|---|
System Info / Debug Log
Maintenance
Use this if ongoing bills, forecast income, or generated expenses look mixed up. A backup is created first.
This version does not use an LLM and does not start llama-server. It is safe to run on Windows or move to a Linux server later.
Server Notes
Run with python app.py --host 0.0.0.0 --port 5050. From the LAN open http://10.0.1.20:5050, or replace the IP with your Linux server IP later.
Debug Log
Records app startup, imports, duplicate checks, saves, deletes, and errors.