Version 2026.09.08.51

Made Upcoming Bills collapsible and moved Transaction History with its search controls directly beneath Total Account Balance. The Calendar now contains only the calendar and selected-day details.

Version 2026.09.08.50

Added a visible Upcoming Bills list inside Financial Forecast. Future bills now show their due date and “scheduled, not deducted yet” status while remaining excluded from the current account balance and posted Transaction History.

Version 2026.09.08.49

Added View Transactions directly beneath Total Account Balance for quicker navigation. Improved private voice reliability on Android by resuming suspended audio capture and using a single compatible on-device processing thread.

Version 2026.09.08.48

Corrected Transaction History so future-dated bills stay in the Calendar and Financial Forecast without appearing as posted transactions or receiving a “Balance after” amount before their due date.

Version 2026.09.07.47

Added a running “Balance after” total beneath every withdrawal or deposit amount in Transaction History.

Version 2026.09.06.46

Added confirmed app-level permission dropdowns for private voice, camera features, and notifications. Android system permissions remain controlled through Device Settings.

Version 2026.09.06.45

Replaced the confusing Camera Check control with a clear read-only Allowed, Blocked, Ask When Used, or Unavailable status button.

Version 2026.09.06.44

Added an optional downloadable private voice model for devices where the browser language pack is unavailable. Recognition runs on the phone; audio and transcripts are discarded after each command. Permission buttons now reflect Allowed, Download, Ready, or Unavailable states.

Version 2026.09.06.43

Added privacy-first on-device voice commands, recurring-series scope choices, permission controls, and opt-in notification preferences with private lock-screen wording by default.

Version 2026.09.06.42

Cleaned up the signed-in header: secure cloud-sync status now appears as a compact indicator, Fingerprint Ready is hidden after setup, and Log Out has moved to the bottom of the page.

Version 2026.09.06.41

Restored the clearly labeled Edit Balance button while keeping compact pencil icons for individual transaction editing.

Version 2026.09.06.40

Made calendar-day transactions tappable with compact pencil edit icons throughout transaction areas. Search now clears after an edited item is saved, and erasing the search text immediately restores the newest-first transaction list.

Version 2026.09.05.39

Fixed receipt scanning so labeled final totals and payment amounts take priority over tax, subtotal, discounts, change, and individual item prices. Added On the Run recognition and blocked receipt boilerplate such as REPRINT from becoming the merchant.

Version 2026.09.04.38

Changed Transaction History to sort by when entries were added, newest first, so a newly recorded past-dated item appears at the top instead of the final page.

Version 2026.09.04.37

Limited the past-expense balance exclusion to occurrences already covered through the correction date; all future recurring occurrences still deduct normally.

Version 2026.09.04.36

Added a Yes or No prompt when saving a past-dated expense, allowing it to remain in spending history and its recurring schedule without reducing a previously corrected balance twice.

Version 2026.09.04.35

Returning users now see the exact full branded sign-in screen with email, password, fingerprint, and Forgot Password instead of a separate locked-screen layout.

Version 2026.09.04.34

Updated the returning-user lock screen to match the branded login layout while preserving fingerprint and password unlocking.

Version 2026.09.04.33

Made Calendar & Transactions collapsible and added remembered open or closed state on the device.

Version 2026.09.04.32

Moved Savings Coach below the calendar and transactions so frequently used entry and calendar tools appear first.

Version 2026.09.04.31

Changed the visible Bill category in Month-to-Date Spending to the clearer Bills & Expenses label without changing scheduled posting behavior.

Version 2026.09.04.30

Renamed Spending This Month to Month-to-Date Spending so it clearly represents only expenses that have already posted.

Version 2026.09.04.29

Made Spending This Month tappable and added an itemized list of each posted expense with its date, description, category, and amount.

Version 2026.09.04.28

Simplified Financial Forecast to 7 Days, Pay Period, and Month by removing the overlapping 14 Days option.

Version 2026.09.04.27

Renamed the upcoming section Financial Forecast and added a Month option with a two-by-two range selector.

Version 2026.09.04.26

Added five requested active subscriptions with duplicate protection and added annual recurrence support throughout balances, projections, calendars, and Savings Coach.

Version 2026.09.04.25

Updated all Help and What’s New information and added current About and estimate-accuracy guidance.

Version 2026.09.04.24

Added a clear disclaimer that Savings Coach results are estimates and depend on complete, accurate manual entries.

Version 2026.09.04.23

Added the private Savings Coach for reviewing flexible spending, repeated purchases, recurring bills, and the month-end cushion.

Version 2026.09.04.22

Added consistent space between the calendar controls and What’s New.

Version 2026.09.04.21

Centered the complete Show or Hide Transactions button.

Version 2026.09.04.20

Centered button labels and expandable section headings while keeping transaction details easy to read.

Version 2026.09.04.19

Renamed the individual-paycheck button to Edit Actual Paycheck Amount.

Version 2026.09.04.18

Scheduled bills due today now post at noon Central Time, and Paycheck Schedule Settings moved beside the paycheck estimate.

Version 2026.09.04.17

Moved Estimated Month-End Balance beneath Remaining Pay Period.

Version 2026.09.04.16

Added Estimated Month-End Balance using expected income and bills through the end of the month.

Version 2026.09.04.15

Prevented future bills from reducing the current balance early or being counted twice after they post.

Version 2026.09.04.14

Restored balance corrections to the active paycheck estimate while keeping fresh-start setup at $0.00 until the next payday.

Earlier September 4 Updates

Added range projections, monthly spending, backup reminders, Start Fresh protection, local-date handling, update notices, and improved balance and paycheck calculations.

About This App

Personal Money Calendar is a private planning tool for tracking income, bills, subscriptions, spending, and estimated balances. Its Financial Forecast compares expected activity across 7-day, pay-period, and month-end ranges, while the tappable Month-to-Date Spending summary groups posted bill activity under the clearer Bills & Expenses label and provides an itemized record. Less-frequent Savings Coach guidance is placed below the collapsible Calendar & Transactions section so primary tools remain easier to reach while the page can stay compact. It supports one-time, weekly, every-two-weeks, monthly, and annual expense schedules. Your signed-in data is stored in your protected Supabase account and is not shared by Savings Coach. The same full branded sign-in screen is used whenever sign-in or returning-user authentication is required, including email, password, fingerprint, and password recovery options. Past-dated expense occurrences can be recorded as already included through the correction date, preventing duplicate balance changes while preserving spending history and allowing future recurrences to deduct normally. Transaction History is ordered by when entries were added, newest first, while retaining each entry’s actual financial date. The app is not connected directly to your bank and does not move money or pay bills.

Accuracy notice: All balances, projections, and savings ideas are estimates. They are only as accurate as the amounts, dates, categories, bills, expenses, income, and balance corrections you enter. Missing, late, duplicated, or incorrect entries can change the results.

Dashboard Balances

Total Account Balance uses the starting balance and recorded activity through today. Use Edit Balance to match the bank’s actual balance after unrecorded activity. Use Add Money only for additional income that should increase the balance.

Scheduled bills and expenses due today remain under Expected bills until 12:00 noon Central Time. At noon they reduce Total Account Balance and leave Expected bills so they are not counted twice.

Estimated Remaining Paycheck stays at $0.00 until the next scheduled payday. On payday it starts with the scheduled or entered actual paycheck amount, then changes with recorded activity and balance corrections during that pay period.

Estimated Month-End Balance starts with Total Account Balance, adds expected income, and subtracts expected bills through the final day of the current month.

Financial Forecast

Choose 7 Days, Pay Period, or Month to see expected income, expected bills, net change, and projected balance for that range. Month runs through the final day of the current month. These forecasts do not change the current balance before scheduled activity posts.

Paycheck Schedule and Actual Paychecks

Open Paycheck Schedule Settings beneath Estimated Remaining Paycheck to change the recurring paycheck name, expected amount, next payday, or interval. Schedule changes affect all future expected paychecks.

To change only one paycheck, tap its payday on the calendar and select Edit Actual Paycheck Amount. If the actual amount differs from the estimate, only the difference changes Total Account Balance. Editing or deleting that actual entry does not delete the future schedule.

Income and Checks

Use + Add Income for one-time income. Use Scan Check to photograph or upload a check, crop it, verify the amount and details, and then save it. The check picture is used for reading only and is not stored with the transaction.

Bills and Expenses

Use + Add Expense / Bill and choose one-time, weekly, every two weeks, monthly, or annually. The chosen date is the first due date. When that date is before today, the app asks whether the expense should reduce the current balance. Choose No when the expense was already included in a balance correction; the covered past occurrence remains in spending history without reducing the corrected balance again. Future recurring occurrences still reduce the balance normally on their due dates. Annual subscriptions repeat on the same month and day each year. Editing or deleting a recurring bill or subscription changes the entire recurring series. Use receipt scanning for completed purchases rather than future scheduled bills.

Receipt Scanning

Keep the entire receipt inside the yellow guide, adjust the crop if needed, and verify the merchant, date, category, and final total before saving. Include tips in the verified final total. The receipt image is used for reading and is not stored with the transaction.

Month-to-Date Spending

This section totals recorded expenses that have posted during the current month. Tap Month-to-Date Spending to open or close an itemized breakdown showing every posted expense’s date, description, category, and amount. Scheduled bill activity is displayed under Bills & Expenses. Future bills and bills still waiting for the noon Central posting time are not included yet.

Savings Coach

Savings Coach is located below the calendar because it is intended for occasional review. Tap Find Ways to Save to privately review the last 30 days of recorded activity, potentially flexible spending, repeated purchases, recurring bills, and the estimated month-end cushion. Suggestions are review ideas only and never edit, delete, or reclassify your transactions.

Savings Coach cannot determine whether a purchase was truly necessary. Its results are estimates and depend completely on the information and categories you manually enter.

Calendar and Transactions

Tap Calendar & Transactions to open or collapse the entire section. The app remembers that choice on this device. Use the month arrows to move through the calendar. Tap a day to view expected or recorded activity. Select Show Transactions to view saved entries, edit available items, move through pages, or search by date or description. Transaction History and search results show the most recently added entries first, even when an entry uses an older financial date.

Updates

When a new version is available, the app displays an update notice. Tap Refresh Now to load it, then review What’s New. Saved Supabase data remains available after app updates.

Backup, Restore, and Start Fresh

Download Backup saves transactions and paycheck settings as a JSON file. Keep recent backups somewhere safe.

Restore Full Backup replaces current transactions and paycheck settings with the selected backup. The app asks for confirmation and downloads a safety backup first.

Start Fresh — Keep Paycheck Settings downloads a safety backup, clears saved transactions, and preserves the recurring paycheck schedule. Carefully read both confirmations and do not close the app during Restore or Start Fresh.

Fingerprint, Password, and Draft Protection

The app locks after you have been away for at least five minutes. Whenever authentication is required, the app shows the same full branded sign-in screen with email, password, fingerprint, and Forgot Password options. Unfinished form entries are retained temporarily for approximately 15 minutes when switching apps.

Private Voice Commands

Open Privacy, Permissions & Notifications and select Set Up. Voice commands are enabled only when on-device recognition is available. The app never stores voice audio or transcripts. Voice can prefill Add Expense, Add Income, and search or open matching transactions, but you must review and save or delete manually.

Recurring Changes

When changing or deleting a recurring bill, choose Only This Occurrence, This and Future Occurrences, or All Occurrences. Use the Undo button at the bottom immediately if you chose the wrong scope.

Notifications and Permissions

Notification categories are off until you select them. Generic lock-screen wording is used unless you enable detailed notifications. Quiet hours are respected. Android device permissions can only be changed in Android Settings; the app cannot silently change them.

Important

Compare Total Account Balance with your bank regularly, correct missing activity, verify every scanned amount, and download a backup before major changes.

Back to Top

Download a complete copy of your transactions and paycheck settings.

Permissions remain under your control. The app does not store voice audio or voice transcripts.

How to Change Device Permissions