Money

Your accounts, your budget, your bills to pay and your savings goals, tracked on your computer.

Money installs on your device (Windows and Linux) and opens with your Prophetix account, the same one as for the web applications.

Money brings together your bank accounts and their transactions. Import your statements as CSV, Excel, OFX or QIF: the rules you define sort the transactions into your categories.

The budget compares planned and actual, category by category. Bills to pay, savings goals and debt repayments each have their own tracking, and an alert warns you of a late payment, a low balance or an exceeded budget.

Every feature of Money

61 features in 12 areas

Dashboard and alerts

Overview of your finances: total balance, aggregated balance, income, expenses and net balance.
Recent transactions, spending by category, planned versus actual budget and cash flow shown as charts.
Alerts for overdue bills, upcoming bills, low balance and exceeded budget; the message "All is well!" is shown if there are none.
Figures at a glance on your goals, your debts and your investments.

Accounts and currencies

Bank accounts of several types: current, savings, credit card, investment, loan or other.
For each account: IBAN, currency, current balance, available balance, status, notes, and the choice of whether to include it in the aggregated balance.
Manual accounts, or accounts linked to a bank connection record (bank, BIC code, consent expiry date).
Currency converter with currency swap, and the addition of your own currencies and exchange rates.
Aggregated balance of all your accounts in the reference currency.

Transactions and reconciliation

Entry of transactions: date, amount as debit or credit, description, counterparty, category, reference, notes and status.
Transaction types: payment, card, direct debit, cheque and transfer with a counterparty account.
Search by description, counterparty or reference, with filters by account, category and period.
Totals of credits, debits and net balance of the transactions displayed.
Reconciliation: pair two transactions with each other, unpair them, and track the reconciliation rate and the unreconciled transactions.

Import, export and backup

Two-step import wizard for CSV, Excel (XLSX), OFX and QIF, with detection of the file format.
CSV options: column separator, decimal separator, text qualifier, encoding (UTF-8, Latin-1, Windows-1252), header row, rows to skip.
Preview of the first rows and mapping of the file's columns to the transaction fields.
Detection of duplicates on import, with choice of the destination account.
Quick import as CSV, OFX or QIF straight into an account.
Export of the transactions of a period as CSV, OFX or QIF.
Full backup of your data to a file, and restore from that file.

Budgets and bills to pay

Monthly, quarterly or yearly budgets, with one line per category and a planned amount, income included.
Comparison of planned and actual, category by category, with the variance; the actual figure updates from your transactions.
One-off or recurring bills to pay (weekly, every two months, monthly, quarterly, half-yearly, yearly).
For each bill: payee, amount, reference, category, next due date, debit account and automatic payment.
Reminders adjustable in number of days before the due date.
Recording of a payment with date, amount, method (transfer, card, cheque, cash, direct debit, online) and confirmation number.
Indicators: total unpaid, overdue bills, bills due within 30 days and bills paid this month.

Savings goals

Typed goals: emergency fund, retirement, holidays, house deposit, education, purchase, investment or debt repayment.
Target amount, current amount, target date, priority, planned monthly contribution and linked savings account.
Addition of contributions over time and tracking of each goal's progress.
Detection of goals behind schedule, and overall progress of all goals.
"What if…" scenarios: monthly contribution and annual return give the completion date and the projected amount.

Debts

Debts of several types: mortgage, car, student or personal loan, credit card, credit line.
For each debt: creditor, initial amount, current balance, fixed or variable rate, minimum payment, regular payment, frequency and due day.
Repayment strategy of your choice: avalanche (highest rate first), snowball (lowest balance first) or custom.
Recording of payments, including extra payments.
Repayment plans compared: monthly payment and extra payment give the total interest, the months remaining, the end date and the savings made.
Totals of the debt, of monthly payments and of interest paid, and the estimated date when the debts end.

Investments

Portfolios by broker or institution (PEA, life insurance, securities account…), with account number and currency.
Positions: share, ETF, bond, fund, cryptocurrency, real estate, commodity or cash.
For each position: symbol or ISIN, quantity, average purchase price, current price as entered and date of the price.
Total cost, current value, gain or loss and performance, per position and per portfolio.

Reports

Eight reports over the period of your choice: spending by category, income versus expenses, cash flow, net worth, budget performance.
Summary of accounts, investment performance and debt analysis.
Quick periods: this month, last month, last 3 months, this year, last year.

On your devices

Windows desktop application: all sections, dark or light mode and advanced import wizard.
Linux version: dashboard with three charts, accounts, transactions, budgets, bills, goals, debts, investments, currencies, reports, import, export and backup.
Linux version: categorization rules and reconciliation, but neither dark mode nor the advanced import wizard; the transactions entered there are saved.
Prophetix account built in: My space, sign-out and release of the workstation.
Data stored locally on your computer. No web or mobile version for now.

Planned (not available yet)

Automatic retrieval of accounts and transactions from the bank (PSD2): the connection records exist, the link is not yet made.
Automatic update of exchange rates and investment prices.
Automatic categorization by saved rules, and bulk categorization.
Export of transactions as PDF.
Synchronization between computers with conflict resolution: the mechanism exists in the application, but no server is provided.

Good to know

On Windows, manual entry, editing and deletion of transactions, as well as editing an account, are not yet saved to the database; import, however, does save.
The categorization rules are three built-in examples (groceries, fuel, restaurant); your own rules are not kept.
Exchange rates are starting values for you to correct yourself.
The figures are personal tracking tools, not financial advice.
Linux version not verified on a real computer.