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How It Works

Take Control of Your Money, Step by Step

moneylog guides you from connecting your accounts and capturing transactions to budgeting, bills, savings, reports and ongoing financial insights — all in one place.

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moneylog dashboard shown on a laptop alongside the mobile app on a phone

The Journey

From Connected Accounts to Clearer Money Decisions

Follow the arrows. Each card shows the action, the steps behind it, and why it matters.

  1. 1

    Create your space

    Choose personal, family, or business use. Add profiles, currency, and starting balances.

    The Steps

    1. 1Sign up and verify access
    2. 2Set preferences and permissions
  2. 2

    Connect your money

    Link supported bank and card accounts, or import a file. Confirm the first sync before using the data.

    The Steps

    1. 1Select accounts or import CSV
    2. 2Review and map balances
  3. 3

    Capture transactions

    Bring in deposits, purchases, transfers, and cash entries. Edit details and attach notes as needed.

    The Steps

    1. 1Sync or enter activity
    2. 2Label merchant and account
  4. 4

    Organize your dashboard

    See balances, income, spending, bills due, and goals in one place. Filter by account or date.

    The Steps

    1. 1Review the overview
    2. 2Drill into an item
  5. 5

    Categorize spending

    Assign categories and tags so every dollar has context. Use rules for repeated merchants.

    The Steps

    1. 1Confirm category and tags
    2. 2Apply rules to future items
  6. 6

    Build a budget

    Set monthly limits by category, then compare planned and actual spending as transactions arrive.

    The Steps

    1. 1Set limits and period
    2. 2Adjust after reviewing variance
  7. 7

    Manage bills and invoices

    Track household bills or create business invoices. Record due dates, status, and supporting details.

    The Steps

    1. 1Add a bill or invoice
    2. 2Mark sent, due, paid, or overdue
  8. 8

    Plan payments and alerts

    Get reminders before due dates. Record a payment or reconcile it against an imported transaction.

    The Steps

    1. 1Set the reminder schedule
    2. 2Match payment to the bill
  9. 9

    Watch subscriptions

    Keep recurring charges visible. Review renewal dates, price changes, and services you may cancel.

    The Steps

    1. 1Identify recurring charges
    2. 2Review before renewal
  10. 10

    Grow savings goals

    Name a goal, set its target and date, and allocate contributions from available cash.

    The Steps

    1. 1Create target and timeline
    2. 2Track funded progress
  11. 11

    Manage debt and credit

    Record balances, rates, and due dates. Compare payoff options and monitor payment progress.

    The Steps

    1. 1Add liabilities and terms
    2. 2Review payoff trajectory
  12. 12

    Keep receipts and tax records

    Attach receipts to transactions, tag deductible items, and collect documents for tax time.

    The Steps

    1. 1Upload or scan receipts
    2. 2Organize records by year
  13. 13

    Read reports and cash flow

    Compare income, expenses, net cash flow, trends, and categories across chosen periods.

    The Steps

    1. 1Filter dates and accounts
    2. 2Review the report
  14. 14

    Act on smart insights

    Surface unusual spending, upcoming shortfalls, and budget opportunities for your review.

    The Steps

    1. 1Review suggested insight
    2. 2Decide and take action
  15. 15

    Secure, share, and continue

    Use protected access and appropriate family or business permissions. Return each week to keep records current.

    The Steps

    1. 1Review access and privacy
    2. 2Reconcile and repeat cycle
The Repeat Cycle
  1. New activity
  2. Updated budget and bills
  3. Fresh insights
  4. Better next decisions

Conceptual product workflow. Bank links, payments, insights and integrations depend on implementation and your own setup.