Monthly income
$0.00
Combined household income.
Household money planning
Harbourline
Budget / plan / progress
Your money. Your plan. One clear view.
Bring paydays, bills, savings, debt and future goals together in one confident household plan. Your information stays private on this device.
Monthly expenses
$0.00
No expenses added yet.
Left over
$0.00
Add income and bills to start.
Shortfall
$0.00
No extra income or cuts needed.
Expense ratio
0%
Share of monthly income already committed.
More tools
Payday command centre
Fund upcoming bills, protect the bills account and see what is safely available before the next pay.
Payday check-in
Make the plan before money moves.
Complete these three steps to turn the forecast into a plan you can act on today.
Next payday
Not set
Income this pay
$0.00
Household average
Transfer to bills
$0.00
Across all expenses
Safe to spend
$0.00
After bills, savings and extra debt
13-week low point
$0.00
Projected bills balance
13-week bills forecast
Local projectionForecasts use the next due date where supplied and average weekly timing where it is not. Update reserves after a bill is paid.
Upcoming and underfunded
Recent payday plans
No confirmations yetCash-flow calendar
See expected paydays, recurring bills and actual transactions together in one monthly view.
Planned income$0.00Scheduled this month
Planned bills$0.00With a due date
Planned movement$0.00Income less scheduled bills
Actual movement$0.00Recorded transactions
Planned income
Planned bill
Actual income
Actual expense
Reality check
Record actual transactions, compare them with the plan and keep a restorable copy of all household data.
Planned expenses$0.00Monthly equivalent
Actual expenses$0.00Transactions this month
Variance$0.00On plan
Unmatched0Transactions to review
Plan versus actual
Recent transactions
0 entriesHousehold plan
Connect goals, assets, liabilities and what-if decisions to the household budget you use today.
Savings goals
No goals yetNet worth
Assets$0.00
Liabilities$0.00
Net worth$0.00
Last snapshot$0.00Change since saved
What-if lab
Does not change budgetAdjusted position$0.00Next month
Available for goals$0.00After current plans
Emergency runway0 monthsUsing starting savings
Debt-freeNot setWith scenario payment
Savings plan
Choose a sustainable household savings rate and see how regular contributions could compound over time.
Plan settings
Allocate a percentage of household income and test the long-term compounding effect.
Compound projection
Uses monthly contributions and monthly compounding.
Monthly saving
$0.00
Projected balance
$0.00
Compound growth
$0.00
Set an income and savings allocation to start planning.
Debt paydown plan
Organise every debt into a focused repayment order and compare how extra payments change the finish line.
Strategy settings
Turn debt expenses into a focused repayment strategy.
Add debt details to build a payoff plan.
Estimates use the balances, rates and regular repayments entered here. Lender calculations, fees and rate changes may differ.
Debt-free projection
Compare approaches and see what an affordable extra payment changes.
First focus
Add a debt expense to begin.
Choose Debt when adding an expense, then enter its balance and interest rate.
Total debt
$0.00
Monthly plan
$0.00
Debt-free
Not set
Interest estimate
$0.00
Add balances and rates to compare repayment strategies.
Financial coach
Planning guidance based on the numbers entered here.
Next best move
Add income and expenses to get a recommendation.
3-month buffer
$0.00
Buffer gap
$0.00
0%
50%
100%+
Monthly flow
Income, commitments and the gap to break even.
Spending mix
Monthly expenses grouped by category.
Top expenses
Largest monthly commitments at a glance.
Add expense or bill
Expenses and bills
Weekly bills provision
Move this amount into your bills account each weekly payday to cover the average cost of every expense below.
SET ASIDE EACH WEEK
$0.00