SI Money TrackerEspañol
Floor 1 · The App

What the app does today

For military families, students and every household in between. Type your monthly pay once, and your plan shows what comes in, what goes out, what you own, what you owe and what to fix first. Everything on this floor is in the build our testers use today. The rolodex at the end splits what is not: Not yet released or Not yet built, with no date. Designed for iPhone; coming soon to the App Store.
The Plan screen with sample data: an overview of income, expenses, assets and debts, then the Income tab with monthly gross income, monthly net pay and other income lines.
Sample data Your plan: what comes in, what goes out, what you own and what you owe, on one screen.
Gallery 1

Plan

Four parts, Income, Expenses, Assets and Debts, in 36 sections, each with its subtotal. Five tiles at the top (Income, Expenses, Assets, Debts and Coupons) take you to each part.

Opens straight to your plan

No account, no sign-up and no welcome tour. The app opens on the Plan tab, and your plan, its totals and its health checks are worked out on your iPhone. The budget comes with the app. Sign-in is asked for when you open something that needs our server: connecting a bank, the Tips log, Lists & events, the FAFSA tracker and other server tools. Those need Sign in with Apple plus a second factor (a code app or two security keys), and the sign-in sheet has a Not now button. How sign-in is protected: The Vault

Paycheck to plan

The Monthly pay card holds three numbers: your monthly gross income, your monthly net pay, and a spouse’s monthly gross (used for debt-to-income). Its caption says it plainly: “Gross is before deductions; net is what actually lands in the account.” A Deductions section records taxes, other deductions and allotments. The monthly surplus is worked out from net pay. You type your net pay. The app doesn’t read pay stubs or work out tax withholding.

19 other-income lines

Other income has a line for each source, from a spouse’s net pay, VA disability and the GI Bill to tips, Social Security and SNAP.
All 19 lines
  • spouse’s net pay
  • rental income
  • SSI
  • VA disability compensation or pension
  • child support or alimony
  • GI Bill and other sources
  • part-time or side job
  • tips
  • Social Security
  • pension, annuity or retirement withdrawals
  • interest and dividends
  • unemployment
  • self-employment profit
  • workers’ comp
  • TANF
  • money from family or friends
  • tax refunds (yearly ÷ 12)
  • winnings (self-reported)
  • SNAP (non-cash)
Some lines carry plain notes, such as “SSI and Social Security are different programs.”

27 expense sections

Every common cost has a home: rent or mortgage, utilities and home upkeep, transportation and fuel & charging, groceries and dining, health insurance and pharmacy, kids & childcare, pets, education, clothing, travel, gifts and giving. Rows carry plain-language notes, such as “Your bank cannot tell diesel from gasoline.” The giving note points to IRS Publication 526 and gives no tax advice.

Any amount, any frequency

Each income and expense line has a How often picker: weekly, every two weeks, twice a month, monthly, quarterly or yearly. The plan turns it into a monthly amount and shows it under the field.
Show the math
monthly = amount × times a year ÷ 12
$600 × 26 ÷ 12 = $1,300/month Example $600 paid every two weeks (26 times a year). Totals use the exact figure and round only for display.

Debts by type

Adding a creditor asks for the type first: 18 types in 8 groups, from fixed and adjustable mortgages, HELOCs and auto loans to student loans, credit cards, medical bills, IRS or state tax payment plans, buy now pay later, payday or title loans, 401(k) loans and loans from family or friends. A row without a type gets a Choose a type chip and is never counted as card debt. Each row records who it belongs to (Me, Spouse or Joint), the city and state of a property loan, and the make, model and year of a vehicle loan. Tags never change a total. If you correct a linked card’s APR or payment, your number stays.
Made for real households

Tips log

Sign-in For servers, drivers and anyone who earns tips: log shifts, payouts and tip-outs and see the trends, with state minimum-wage references for 50 states plus DC. A switch, off until you turn it on, writes your tips into the plan’s Tips row.

BAH + Cost of Living

Pick a branch (Army, Navy, Air Force, Marine Corps, Space Force or Coast Guard), a paygrade, with or without dependents, and a five-digit ZIP code. The lookup shows the monthly Basic Allowance for Housing with “Where this rate comes from”, then nearby costs: electricity, natural gas, gasoline, diesel, food, two-bedroom rent and HOA fees. The plan also has a TSP balance field. Labeled “A reference calculator, not your pay.” The BAH rates are a third-party transcription of the 2026 rate files, not yet checked against the official publication. The cost-of-living figures are a fixed snapshot of state, regional and national averages. Electricity is an all-sector state average, not a household rate, and rent is shown only for ZIP codes in HUD Small Area FMR metros. The lookup needs our server.
The Insights screen with fictional sample data for an average E-5: spending so far this month by category, with housing, food, family and transportation.
Sample data Expenses: each bill on its own line, with subtotals by group.
Back to the galleries
Gallery 2

What to fix first

The Summary screen opens with what is left each month, then checks your savings, your debt load and your card rates against plain goals.

Left over each month

Summary opens with one large readout: monthly surplus = net income − expenses − debt payments. It appears after a second, line-by-line sum agrees with the plan to the cent. If the two disagree, a Check your plan card lists the lines to look at instead. Zero or less reads as a deficit, never as fine.
Show the math
surplus = net income − expenses − debt payments
$4,100 − $2,800 − $1,150 = $150/month Example A month with $4,100 net income, $2,800 of expenses and $1,150 of debt payments.

Health checks

Emergency fund goal
3.0 months
Debt-to-income, healthy at or under
36 %
“Pay it first” above
18 % APR
Risk-factor questions
8
Emergency fund = bank balances and savings ÷ monthly expenses. Debt-to-income = debt payments ÷ your income lines. High-interest debt looks at your highest card rate. Risk factors asks yes-or-no questions such as bankruptcy, garnished wages, liens and late payments, then shows how many are flagged, or All clear. Those answers are stored on your phone and in your iPhone backups, and the app doesn’t send them to our server. The rows always appear in this order; they aren’t ranked. Debt-to-income here is educational, not a lender’s result: its Show the math cites the CFPB and 38 CFR 36.4340(d) and explains why a lender’s figure may differ.
Show the math
emergency fund = $6,300 ÷ $2,800 = 2.25 months
DTI = $1,150 ÷ $4,800 × 100 = 23.96 % Example $6,300 in bank and savings is under the 3.0-month goal. $1,150 of debt payments on $4,800 of monthly gross income is under 36 %.

What to fix first

Two things point the way. When your highest card rate is above 18 % APR, the high-interest check reads “pay it first”. And up to 5 Still needed prompts name what the plan is missing: gross income, net pay, groceries, housing, and the APR of each card that carries a balance. The app tells you what is missing instead of showing a wrong number. The prompts never block the plan.

Your credit score, beside your debts

Type your score (300 to 850) and see its band, from Poor (300 to 579) to Exceptional (800 to 850). Estimated drivers count what your plan can see (cards, revolving balance, debt types, cards with an APR on file) and name what it can’t: pay history, new credit and account age. The app stores the number you type. It doesn’t compute or predict a score.

Net worth, in plain words

The Position card puts net worth first, then total assets, liquid savings, credit cards, loans and debts not yet classified, on one line that adds up. Every minus sign gets a sentence, such as “You owe $X more than you own.”
The Insights “At a glance” card with fictional sample data for an average E-5: spent so far this month, income received so far and net worth.
Sample data Summary: your monthly surplus, then health checks with the goal beside each one.
Back to the galleries
Worked example

A loan payoff, with the math

Any debt row with a balance has Pull this loan into a calculator. Loan payoff shows the months to payoff, the total interest, the total paid and a table by year, each with Show the math.
It is labeled Projection: the same payment every month, a fixed APR and no new charges, with interest worked out monthly at APR ÷ 12. A missing APR or payment is asked for, never guessed. The figures come from your bank (with Plus) or from your plan, and the row says which. The scientific calculator also has loan payment, months-to-payoff and total-interest functions. Lenders may charge interest daily; the app notes that card issuers usually do. Your lender’s statement is the real number.
Example A $18,500 car loan at 7.9 % APR, with no new charges.
Two monthly payments, side by side
Result$450/month$550/month
Months to payoff49 months39 months
Last payment$43.61$80.81
Total interest$3,143.61$2,480.81
Total paid$21,643.61$20,980.81
Paying $100/month more finishes 10 months sooner and keeps $662.80 of interest in your pocket.
Year by year at $450/month
At $450/month, year by year
YearInterestPaidBalance at end
1$1,315.71$5,400.00$14,415.71
2$981.09$5,400.00$9,996.80
3$619.09$5,400.00$5,215.89
4$227.43$5,400.00$43.32
5 (1 month)$0.29$43.61$0.00
Total$3,143.61$21,643.61
Show the math
r = 7.9 % ÷ 12 ≈ 0.6583 % a month
first month’s interest = $18,500 × 0.0065833 ≈ $121.79
n = −ln(1 − r·B ÷ P) ÷ ln(1 + r)
P = $450: n = 48.10 → 49 payments, the last $43.61
P = $550: n = 38.15 → 39 payments, the last $80.81 Each month’s interest is the balance × r, rounded to the cent. Total interest is the sum of those months: $3,143.61 and $2,480.81. The difference is 10 months and $662.80. Example The loan, rate and payments are example inputs, not anyone’s account.
Gallery 3

Bank connection with Plus

Plus connects your bank, so your real spending fills the plan without typing. The budget comes with the app, no account needed. Plus adds bank connection and automatic import: 7 days free when Apple says you're eligible, then $9.99/month, billed through your Apple Account. Cancel anytime in Settings.

Connect a bank

Plus Link checking, savings, card, loan and investment accounts at U.S. banks. Your bank username and password go to your bank or to a secure bank-connection window, never to us. After each sync, this month’s spending fills the expense rows you haven’t typed into; your own amounts are never overwritten. Cards and loans arrive in Debts with balance, minimum payment and APR, where your bank shares them. Checking and savings balances fill Assets (up to 10 bank accounts), and investment accounts add their balances. Balances only: no holdings or trades. Your bank is checked for new transactions typically 1 to 4 times a day, and balances and card details update about once a day. It needs Sign in with Apple, a second factor and Plus. What is stored where: The Vault

Sorted for you, math shown

Plus Linked transactions land in your plan’s categories by themselves, using your bank’s categories and the merchants you have already filed. Income, transfers and loan payments are never counted as spending. When a merchant lands in Other, the app suggests a better row and says why. One tap files that merchant’s past and future charges, on this phone, with Undo. Each bank-filled row also shows its change against the same days last month.

Monthly limits and course corrections

Plus Set a monthly limit on any row your bank fills. The row reads On track under 80 %, Close to the limit from 80 % to 100 %, and Over the limit above 100 %, with green, amber or red beside the words. It shows how much is used, a month-end pace and a per-day amount that keeps you under. A suggested limit is the median of up to your last 3 full months, rounded up to a whole dollar. Course corrections, at the top of Expenses, gives up to 3 plain suggestions a month: over a limit, close to it, on pace to pass it (from day 5), or up at least 20 % and $25 against the same days last month. In the app’s words: “Plain rules, no model, and nothing is sent anywhere.”
Show the math
month end = spent ÷ day of month × days in month
$240 ÷ 12 × 30 = $600 Example $240 spent on dining by day 12 of a 30-day month is on pace for $600.
Back to the galleries
Gallery 4

Bills and subscriptions

Once a few months of transactions have synced, the Bank tab’s Bills & subscriptions screen lists what repeats.

Found in your transactions

Plus Recurring bills, subscriptions and regular income, each with its next date and yearly cost, plus price changes such as “Went up $2.00 since March”. Upcoming covers the next 30 days. A monthly estimate adds them up for reference; it isn’t added to your plan’s totals. Amounts and dates are estimates, detected from your synced transactions.

Add to Bills

Plus If you pay a lender your bank doesn’t report, the screen can suggest it as a creditor. The suggested payment is the median of the last 3 payments × payments a year ÷ 12. Nothing goes into your plan until you tap Add to Bills, and Not a bill dismisses it. A suggestion: the lender’s statement is the real number.

Rate and interest changes

Plus A flag when a linked card’s or loan’s APR rises between two readings, or when interest charges at one bank jump more than 25 % and at least $5 from one month to the next, with Show the math. These flags appear on screen. They don’t send notifications.
Back to the galleries
The roof

Your whole month, in one plan

Start with your paycheck. The rest of this floor is there when you need it.
Get SI Money Tracker Coming soon
The budget comes with the app, no account needed. Plus adds bank connection and automatic import: 7 days free when Apple says you're eligible, then $9.99/month, billed through your Apple Account. Cancel anytime in Settings.