About Financier

Financier was created to simplify personal budgeting in a world of set, semi-monthly paychecks (currently set up for those paid on the 15th and last day of the month). Traditional budgeting apps often ignore pay cycle quirks, leading to overspending or stress mid-period.

• Pay Cycle Awareness – Tracks your balance across pay periods, showing carryover and projections so you never "run out" unexpectedly.
• Recurring vs. One-Off Control – Separates fixed bills (recurring) from variable spends (one-offs) for clearer insights and easier adjustments.
• Future Planning – Forecasts up to 20 future periods, helping you spot issues early and build savings habits.
• Simplicity & Privacy – No ads, no data sharing. Just a lightweight tool that gives you control over your spending.

Built for real people tired of spreadsheet chaos. Start budgeting smarter today!

• Tip 1: Set Realistic Paychecks – Enter your net (take-home) pay, not gross. This ensures accurate remaining balances.
• Tip 2: Use Credits Wisely – Add refunds or bonuses as one-offs credits to boost your remaining without inflating your paycheck.
• Tip 3: Review Future Periods – If a future remaining goes negative, add savings now or cut recurring expenses—prevention beats surprises!
• Tip 4: Manual Reset for Life Changes – Got a raise or big expense? Use manual reset to start fresh mid-period without waiting for payday.
• Tip 5: Track One-Offs Immediately – Add spends right away via the floating "+" button to keep your current remaining accurate in real-time.

Pro Tip: Check your pay period balance during the first week of a period to build discipline!

1. Step 1: Log In or Register – Create your secure account and login. You'll land on your dashboard.
2. Step 2: Set Your Paycheck (Settings Page) – Go to Settings. Enter your semi-monthly take-home pay and how many future periods to forecast (1-20). Save!
3. Step 3: Add Recurring Expenses – In Recurring page, add fixed bills (e.g., rent on day 1). They auto-deduct per period.
4. Step 4: Input Starting Balance – If mid-pay period, manually reset your account and enter your bank balance including the paycheck deposit. On payday, the app will auto-detect on 15th/last day and prompt you to enter your bank balance including the paycheck deposit. Either of these kicks off tracking.
5. Step 5: Log One-Off Spends – Use the floating "+" (bottom-right) for daily one-off expenses/credits. Debits subtract, credits add.
6. Step 6: Review Dashboard – See current remaining balance and future projections.
7. Step 7: Adjust as Needed – Manual reset mid-period if life changes. Logout securely when done.

You're set! Aim for a positive balance each period. Questions? Check tips or reset data.

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