SayMoney

1.1 Start page

In the overview there is an evaluation of expenses, income and the resulting available funds. Available funds describe the percentage of the credit balance of total income and serve as a key figure for your personal finances. Assume that the value in the current evaluation period is 2% higher than in the last. This would mean that you have reached 2% savings potential. Keep it up! Available funds are calculated as follows:

Balance (positive total balance) / total income × 100

In the upper area of the overview there is an overall evaluation that relates to all accounts. This includes account-related evaluations. Each evaluation can be shown and hidden with a click on the associated heading. A long click on a heading or a single click on a category will display the associated transactions. In addition, the expenditure and income of an evaluation period are summarized in the overview and displayed according to categories.

1.2 Filter

You can filter the overview as follows:

The "Carryover" filter determines whether or not previous transactions should be carried over into the next periods.

You can use the "Carryover (budget)" filter to carry over previous budgets into the next periods.

With the filter "Until today" you determine whether your transactions should be booked until today or in the future.

2.1 Start page

In this area you can manage and evaluate your transactions (bookings). You can create, change, delete, filter, sort, and search transactions. Transactions are presented in the form of a list. A list item contains all the properties of a transaction: date, category, account, note, and amount. Transactions that belong to fixed payments or transferals and have a receipt or shopping list are marked with corresponding symbols. By pressing on a list element, the associated transaction can be opened and edited.

2.2 Create and edit transactions

When creating or editing a transaction, properties such as type, date, amount, category, account, and note can be set. In addition, a transaction can also be assigned a receipt or a shopping list. An amount can also be entered in a foreign currency taking into account the current exchange rates and converted into standard currency.

2.3 Delete transactions

Transactions and all other list items can be deleted with a gesture. To do this, swipe left over a list item so that a button appears. Confirm the deletion by pressing on this button.

2.4 Copy transactions

Open a transaction and activate the "New Transaction" button. After confirming, the transaction is saved as a new transaction.

3.1 Start page

In this area you can manage your fixed payments. You can create, change, delete and sort fixed payments. A list item contains all the properties of a fixed payment: date of next booking, category, account, note and amount. By pressing on a list element, the associated fixed payment can be opened and edited.

3.2 Create and edit fixed payments

When creating or editing a fixed payment, properties such as type, start date, end date, amount, category, account, and note can be set. In addition, a fixed payment can be supplemented by a receipt. After creating or changing a fixed payment, several transactions are posted depending on the specified end date and interval. If no end date has been defined, the postings are continued until the corresponding fixed payment is deleted.

3.3 Delete a fixed payment

When deleting a fixed payment, a dialog box appears in which you want to confirm whether all related transactions should also be deleted. Confirm with Yes to delete the transactions as well. Confirm with No to keep the transactions.

4.1 Start page

Transferals can be managed in this area. Transferals can be created, changed, deleted and sorted. A list item contains all the properties of a transferal posting: creation date, category, source account, target account, note and amount. By pressing on a list item, a transferal can be opened and edited.

4.2 Create and edit transferals

When creating or editing a transferal, you can define properties such as amount, date, source account, target account and note.

4.3 Delete a transferal

When deleting a transferal, a dialog box is displayed in which you want to confirm whether all related transactions should also be deleted. Confirm with Yes to delete the transactions as well. Confirm with No to keep the transactions.

4.4 Copy transferals

Open a transferal and activate the "New transferal" button. After confirming, the transferal is saved as a new transferal.

5.1 Start page

Categories and accounts can be managed in these areas. Accounts and categories are presented in the form of a list, with each list item containing properties such as name, color and, in the case of an account, a starting balance. By pressing on a list item, a category or an account can be opened and edited.

5.2 Create and edit categories and accounts

When creating or editing a category or account, a name and a color can be defined, with the color being proposed automatically. An account can also have a starting balance defined.

5.3 Delete a category or an account

When deleting a category or account, a dialog box will appear to confirm that all related transactions should also be deleted. Confirm with Yes to delete the transactions as well. Confirm with No to keep the transactions.

5.4 Budgeting

When budgeting, you can set a budget for each category that you do not want to exceed during a period. Budgets are displayed in the overview and offset against current category-related expenses. You can also carry over budgets into the following periods by activating the "Carryover (budget)" option in the overview.

6.1 Start page

Here you can manage your receipts. Receipts are presented as a list, with each list item containing a name and a date. A receipt can be imported as an image or PDF file. A receipt can also be photographed if your device has a camera. By pressing on a list element a receipt can be opened and edited.

6.2 Create and edit receipts

When creating or editing a receipt, name and date can be set as properties. A receipt can be imported, exported, photographed and also printed in the Mac and Windows version.

6.3 Import PDF invoices

When importing a PDF invoice, the program tries to read the invoice amount and invoice date from the PDF file. The data read out can be used as a transaction date and transaction amount when creating a transaction after a receipt selection.

7.1 Start page

Savings targets can be managed in this area. Savings targets can be created, changed, deleted and sorted. A list item contains all the properties of a savings target:

Furthermore, a savings target is identified by the following colors:

Less than 33% of the target amount has been reached.

More than 33% of the target amount has been reached.

More than 66% of the target amount has been reached.

Savings target has been reached.

7.2 Create and edit savings targets

When creating or editing a savings target, properties such as name, amount and end date can be specified. If an end is set, a monthly rate is calculated that is required to reach the savings target by the end date. Immediately after the creation of a savings target, a savings target account is created, to which amounts can be transferred for saving.

8.1 Start page

Grocery lists can be managed in this area. Grocery lists are presented as a list, with each list item containing a name, a date, and a number of entries. By pressing on a list item, a grocery list can be opened and edited.

8.2 Create and edit grocery lists

When creating or editing a grocery list, name and date can be set as properties. The content of a grocery list can be entered either manually or by voice.

9.1 Expenses

In this area an evaluation of your expenses takes place. There is a distribution of expenses by account and a distribution of expenses by category, which is presented in the form of a pie chart.

9.2 Income

In this area an evaluation of your income takes place. There is a distribution of income by account and a distribution of income by category, which is presented in the form of a pie chart.

9.3 Trend

In this area an evaluation of your income and expenses takes place as a history diagram. The development is presented as a monthly and annual history in the form of a bar and line chart.