Hello Andrew 👋

Here's where your money stands.

⚠️ Can this month be paid?
🎯 Your goal
💡 Today's money move
💷 Your accounts
In your accounts right now
£0.00
See every account
+ Add an account manually (e.g. cash)

Monthly check-in

Tell me what you made — I'll tell you where every pound goes.

Money in

Flooring money lands whenever it lands — log each payment as it comes in and it stacks up in the pot.

£

Income

What comes in. Your check-ins use the real figure each month — this is just for projections.

Monthly income

Used to project when debts clear and goals complete.

Income sources

Everything that brings money in — job, side work, benefits. Your own picture of where it comes from.

+ Add an income source

What the bank counted as income

check it's all legit

Every credit the bank feed treated as money in. Tap 🚫 on anything that isn't real income — it's excluded immediately and never counted again.

Outgoings

Everything that leaves your account each month.

Going out every month

Bills are fixed and you can't cancel them — rent, electricity, insurance. Cancellable direct debits are the ones worth looking through now and again: "do we actually need that?"

Bills — must pay

+ Add a bill

Cancellable direct debits

+ Add a direct debit

Spending money

Savings pots

+ Add a savings pot

Debts

Everything you owe, and the fastest way out of it.

What you owe

+ Add a debt

Payoff strategy

Payoff order

Goals

What you're working towards. Priority 1 gets money first.

Pick a goal

one tap — the ★ ones already know your numbers

Your goals

+ Add a goal

Your roadmap

The route from where you are now to where you're going.

The big one

Net worth today
£0
Target
£
0%

What to do next

Documents upload

Upload bank statements — I'll find the leaks and your real averages.

Analyse statements

The monthly routine: on the last day of the month, upload that month's statement. I'll check every direct debit against your plan — matching ones are kept quietly, new ones get questioned, stopped or changed ones get flagged. Big one-off payments are stripped from your averages and I'll ask you to confirm each one. I'll also read what came in and offer to log it as that month's earnings, ready to plan with. Anything already in the plan or already dealt with is never suggested twice. Statements are read once and never stored.

Talk to Claude

Tell me a new goal, change a priority, ask what to do — I'll rework the plan.

✧

Try saying something like:

Settings

Your data lives only on this Mac.

AI connection

Advanced — Claude API key

Needed for the chat. Get one at platform.claude.com → API Keys.

App lock (login)

A PIN you'll enter every time the app opens — on this Mac and on your phone. To change or remove it, type your current PIN first.

Bank connection

Connect your bank once and Money HQ pulls transactions itself — no more statement uploads. Powered by TrueLayer (Open Banking, read-only). Credentials are stored only on this Mac, never in the browser. In the TrueLayer console, add http://localhost:8420/bank/callback as a redirect URI first.

Advanced — TrueLayer credentials

Statements & documents

The bank feed keeps things fresh automatically — statement uploads live here for paper statements or accounts that aren't connected yet.

Setup questions

Nine quick questions that tune the whole plan — your goal, how your income arrives, who handles your tax. Run them any time your situation changes.

Your data