📖 BUDGETEER — USER GUIDE

Budgeteer runs on one habit: log it when you pay for it. Everything else — bills, pays, statements — flows in on its own schedule and keeps this screen honest. Here's what's on it, top to bottom.

Safe to spend — the headline number: your bank balance minus every bill due before your next payday. update balance below it lets you correct the balance by hand any time; a statement import can also sync it automatically from the closing balance.

⚡ Pay card — shows your last recorded pay (amount, date, hours and effective $/hr if known) and when the next one's expected. ⇪ log from payslip PDF reads amount, hours and period straight off the PDF; record pay manually is the fallback (opens automatically on payday). Your budget fortnight follows recorded paydays, so odd cycles — public holidays, short fortnights — stay accurate.

Fortnight / This month — total spend for the current recorded fortnight and calendar month.

▞ Fortnight by category — spend vs planned per category, turning red when you're over. Tap ◐ budgets to set or change plans.

• Set a planned spend per category, per fortnight. Leave blank to skip a category, enter 0 to clear a budget you'd previously set.
• Changes apply from today onward — your history stays intact, so past fortnights don't retroactively change.

◍ Due before payday — bills due before your next payday, from your recurring items. Tap ⌁ manage to add, edit, or review them.

• Two kinds: auto-post (rent, storage — Budgeteer writes the expense on the due date) and reminder-only (direct debits — the bank takes the money; the expense arrives via statement import so nothing double-counts).
• Every 🔔 item emails you 24 hours before it's due — time to move money and dodge dishonour fees.
• 📱 iPhone calendar sync: subscribe once via the private webcal:// link on that screen and every bill + payday appears in your Calendar with a 9am-day-before alert. Regenerate the link to revoke it.
• After a statement import, Budgeteer detects recurring charges (subscriptions, direct debits) and offers one-tap "create reminder".

▤ Recent entries — your last 8 logged expenses, newest first.

Amount first, then category, then save — built for one-thumbed use while you're still standing at the register.

• Amount — type it like a register: digits shift in from the right (4 6 5 0 → $46.50). C clears, ⌫ deletes.
• 📷 scan receipt — photograph the docket and Budgeteer reads the total, date, merchant and picks the category. Glance, correct if needed, LOG IT. The photo is kept on the expense (📎 in the Ledger) — your ATO substantiation. This one is part of the subscription; Settings tells you where your account stands.
• Category chips — favourites and recently-used first; tap one to select it.
• more options — date (defaults to today) and an optional note, tucked away so they don't slow down the common case.
• ◉ LOG IT — stays disabled until you've entered an amount and picked a category. Mis-tap? The toast gives you 10 seconds to undo.

Creating a category on the spot

No category fits yet? Tap new category under the chips.

• Give it a name, pick a group (or make one — see below), and it's created and selected immediately, no page reload.
• A category is what you spend on — "Groceries", "Petrol", "Shoes". A group is a folder that holds related categories — "Food", "Motor Vehicle", "Clothing". Every category belongs to exactly one group.
• The quick way to a new group: while naming your new category, tap ▸ + new group right under the group dropdown — type a name, ◉ create & pick, and it's created and already selected.
• Full category/group management — favouriting, editing, archiving, reordering groups — lives at ⚙ Settings → 🏷 Categories & groups.

Build a criteria-based report and reuse it — or export it — any time.

Reports and the tax report are part of the subscription (AU$2.99 a month, which also covers receipt scanning); family accounts have them included. Everything else — logging, statement import, budgets, and marking an expense deductible — is free on every account. If a subscription ends nothing is deleted: your ledger and saved reports are exactly where you left them.

• Range — fortnight presets follow your real recorded paydays, or pick this/last month, this financial year, or a custom range.
• Categories — tick one or more to filter; none ticked means all categories.
• ⏚ Tax-deductible only — narrows the report to deductible entries.
• Running it gives you totals, a daily spend chart, a by-category breakdown, and a table of matching entries (first 100 — the CSV has the rest).
• ⇓ CSV exports the by-category breakdown; the full entries list exports separately, same button style.
• ★ save any report — saved presets stay evergreen ("this FY" always means the current one, not a frozen date range). They're listed at the top of this screen for one-tap re-run.
• ⎙ print / PDF gives a clean paper copy via your browser's print dialog.

Tax report

Tap ⏚ tax report at the top of this screen for the ATO-focused view.

• Mark any Ledger entry deductible via its ⌁ tax disclosure — pick a type and a work-use %. Business categories flag themselves as deductible by default.
• The financial-year report groups everything by ATO label with claimable amounts calculated from the work-use %.
• CSV export is formatted ready to hand to your accountant.

Everything you've logged, grouped by day with a daily subtotal.

• Each row shows the category, note, and a badge for anything not a manual entry — scan, recurring, or import — plus a ⏚ tax badge if it's marked deductible and a 📎 receipt link if a photo's attached.
• ✕ deletes an entry — 10 seconds to undo, same as everywhere else.
• recategorise disclosure on any row — move an entry to a different category, whatever way it was logged. Need a category that doesn't exist yet? Pick ＋ new category… from the list and make it without leaving the screen.
• tax disclosure on any row — mark it deductible, pick an ATO type, set the work-use %.

Statement import

Tap ⇪ import at the top of this screen — the backstop for anything that didn't get logged at the till.

• Upload an ANZ Transaction Report PDF (any of your accounts). The PDF is parsed then discarded.
• Deposits and transfers between your own accounts are skipped automatically; real spending waits for a category. Known merchants come pre-suggested (✦).
• Re-importing an overlapping report is safe — duplicates are recognised and skipped.
• One tap syncs your dashboard balance from the statement's closing balance.

Not one of the four main tabs — the gear icon in the top bar opens it from anywhere.

• ◉ Account — your name and email, and ⏻ Jack out to sign out.
• ⚡ Pay anchor — the fallback payday cadence (every 14 days from a date), only used until your first real pay is recorded.
• 📷 Receipt scanning — shows whether the Anthropic API key is configured on the server; scanning is unavailable until it is.
• ⌁ Everything else — one-tap links to Categories & groups, Fortnight budgets, Recurring bills/reminders/calendar, Statement import, and the Tax report (all covered above, under the screen they're linked from).
• The ♪ sound toggle lives in the top app bar, not here — it can be switched on or off any time and persists across visits. Your bank balance is edited from the dashboard, not here.

• Safari → Share → Add to Home Screen: full-screen app with the phosphor icon, no browser chrome.
• Sound can be switched on or off any time with the ♪ toggle in the top bar; it honours your phone's physical silent switch.
• Everything works one-thumbed; undo is always 10 seconds.

Your ledger is yours alone. Expenses, categories, budgets, pays, imports and settings all belong to your account — no other account can see or touch them.

Getting an account

• Take ⚿ Request access from the sign-in page: your email, your name, and a password of at least 12 characters. You land straight in your new ledger — there's no confirmation email to wait for.
• The Invite code box is optional. Leave it blank unless you were given one.
• A new ledger arrives stocked with starter categories and groups — Bills, Food, Household, Motor Vehicle and the rest. Rename them, add your own, archive the ones you'll never use.

What costs money

• Free on every account: logging expenses, statement import, budgets, and marking an expense deductible.
• Reports, the tax report and 📷 scan receipt are what the subscription buys — AU$2.99 a month, including 50 scans. Settings has the price and the button, and you can cancel there any time.
• Nothing is ever deleted if a subscription ends. Your ledger and saved reports wait for you exactly as you left them.

Signing in and out

• Email and password, then ⏎ Jack in. Signing in successfully costs you nothing, so everyone at home can use their own account freely; ten failed tries from one connection pauses sign-in there for 15 minutes, and it says so plainly when it does.
• Forgotten it? Lost your passkey? on the sign-in page emails you a link. It works once and expires after an hour.
• Settings → ◉ Account shows who you're signed in as. ⏻ Jack out ends the session — worth doing on a borrowed device.