Finance Tracker User Guide

1. Sign in

Web app and Telegram bot share the same data.

1

Enter your user and password, then tap Sign In.New here? Tap create one: three short steps (your account, your family, the code we email you). Or use Sign in with Google.

Finance Tracker: Sign In

Finance Tracker

Your personal money dashboard

User

alex

Password

••••••••🙉

Remember me

Don't have an account? create one
User Guide

2. Add your accounts

One account for every real place money sits. Do this once.

1

Open the Manage tab and tap Add Account.

Finance Tracker

Accounts Add Account⌄

Categories (9) Add Category⌄

Shortcuts Add Shortcut⌄

Recurring Add Recurring Rule⌄

2

Fill in name, type, currency and today's balance, then tap Add Account.Repeat for Amex (type Credit, AUD, balance owed 420) and Wise JPY (type Cash, JPY, balance 0).

Add Account

Manual Auto

Account

Name

NAB Everyday

Owner

alex

Aliases (comma-separated)

anz, savings

Type and Currency

Type

Cash

Currency

AUD · Australian Dollar

Initial Balance

AUD4,200.00

Type	Use it for
Cash	Bank, e-wallet, Wise, notes in your pocket
Credit	Credit card. Its balance is what you owe
Investment	ETF, shares, crypto, super. Turn Lock on for money you cannot touch (super)
Payable / Receivable	Money you owe someone / money someone owes you

Rather type it? Switch to Auto, write "NAB everyday account in AUD, 4200 in it" and tap AI Fill. Pick Shared as owner for a joint account.

3. Record a spend

Morning flat white, $5.50 on the Amex. Type it like a text message.

1

On the Transactions tab, type what you bought and tap Parse with AI.Enter works too.

Finance Tracker

Chat

Photo

Form

Bulk

Describe your transaction

flat white 5.50 on amex

2

Check the card it filled, then tap Save Transaction.Date, currency, category and note sit in the line under the accounts: tap it to open them. Wrong? Fix any field here, or tap Reset to retype.

Finance Tracker

Reset

Transaction Details

Action

Expense

Amount

AUD5.50

Amex (AUD)

→

Bean Bar

3 Oct, 08:10 · AUD · 🍽️ Dining · flat white

Add Transaction

3

Got a receipt? Switch to Photo, add the picture, name the account in Caption, tap Parse with AI.

Finance Tracker

Chat

Photo

Form

Bulk

🧾Add more

Clear all

Caption (optional)

nab

No AI? Form is the same card, empty, for you to fill. Add a date in plain words: groceries 64.30 nab yesterday. Force a category with brackets: dentist 80 nab (Health).

4. Record your salary

Same card, Action set to Income. Money comes from your employer into NAB.

1

In Form, set Action to Income, type the amount and who paid, pick the account, then Save Transaction.Or just type salary 5000 into nab in Chat.

Finance Tracker

Chat

Photo

Form

Bulk

Transaction Details

Action

Income

Amount

AUD5,000.00

Employer Pty Ltd

→

NAB Everyday (AUD)

1 Oct, 09:00 · AUD · 💼 Salary

Add Transaction

5. Move money between accounts

Six actions cover everything. Pick one in the Action field.

Action	Example
Expense	Flat white, Amex → Bean Bar
Income	Salary, employer → NAB Everyday
Transfer	Pay the card, NAB Everyday → Amex
Invest	Buy ETF units, NAB Everyday → Vanguard
Withdraw	Sell units, Vanguard → NAB Everyday
Adjust	Match your bank app at month end

1

Pay off the Amex: Transfer from NAB Everyday to Amex.A transfer is not spending. Your net worth stays the same.

Finance Tracker

Transaction Details

Action

Transfer

Amount

AUD420.00

NAB Everyday (AUD)

→

Amex (AUD)

31 Oct, 18:00 · AUD · 🔄 Transfer

2

End of month, the bank app says 7,695.70. Adjust NAB Everyday to that number.Adjust names one account, so the card shows one box. The 20.00 gap lands under Other, Adjustments in your report.

Finance Tracker

Transaction Details

Action

Adjust

Amount

AUD7,695.70

NAB Everyday (AUD)

31 Oct, 21:00 · AUD

Adjust takes the new total, not the difference. It can be below zero: an overpaid card is -200. Aim for small adjustments: a big one means something went unrecorded.

🗾 6. Spend in yen (Japan trip)

Load yen onto Wise, spend it in Tokyo, and the reports still read in AUD.

1

Top up Wise: Transfer AUD 1,000 from NAB Everyday to Wise JPY. Open the line under the accounts and type the rate Wise gave you in Custom FX Rate.The field shows up only when the two accounts use different currencies. Leave it blank to use today's stored rate.

Finance Tracker

Transaction Details

Action

Transfer

Amount

AUD1,000.00

NAB Everyday (AUD)

→

Wise JPY (JPY)

5 Oct, 10:15 · AUD · 🔄 Transfer

Currency

AUD · Australian Dollar

Date

05/10/2026, 10:15 AM

Category

🔄 Transfer

Custom FX Rate (optional) ?

AUD → JPY

98

1,000.00 AUD = 98,000 JPY

Note (optional)

Short note

AUD 1,000 × 98¥98,000

Wise JPY now holds¥98,000

2

Ramen in Shinjuku: type it with the yen amount and the Wise account.

Finance Tracker

Chat

Photo

Form

Bulk

Describe your transaction

ramen 1470 yen from wise

3

Hotel paid on the Amex in yen: type the amount, open the line under the accounts, set Currency to JPY, then the rate from your card statement.

Finance Tracker

Transaction Details

Action

Expense

Amount

JPY29,400

Amex (AUD)

→

Hotel Gracery

9 Oct, 15:20 · JPY · ✈️ Travel

Currency

JPY · Japanese Yen

Date

09/10/2026, 03:20 PM

Category

✈️ Travel

Custom FX Rate (optional) ?

AUD → JPY

98

29,400 JPY = 300.00 AUD

Note (optional)

Short note

Ramen ¥1,470 ÷ 98AUD 15.00

Hotel ¥29,400 ÷ 98AUD 300.00

What the October report showsAUD 315.00

Rates refresh every day by themselves. See them in Manage → FX Rates. Reports convert each month at its own month-end rate.

7. Import a bank statement

Behind on logging? Drop the NAB export in and review every row at once.

1

Switch to Bulk, drop the file, untick Aggregate, tap Parse & Upload.CSV, Excel or PDF. You review the rows before anything is saved.

Finance Tracker

Chat

Photo

Form

Bulk

nab-october.csv

CSV · XLSX · XLS · PDF

Aggregate ?

Process directly ?

Aggregate is on by default: it records the whole file as one income and one expense. Untick it to get a row per line. Process directly saves without the review. Leave it off the first time.

8. Shortcuts and recurring bills

A shortcut is one word for a purchase you repeat. A recurring rule records a bill on its date.

1

Manage → Shortcuts → Add Shortcut. Pick a trigger word and fill it in like a normal transaction.

Add Shortcut

Shortcut

Trigger word ?

coffee

Aliases (comma-separated)

subway, subs

Transaction

Action

Expense

Source

Amex

Destination

Bean Bar

Amount

AUD5.50

Currency

AUD · Australian Dollar

Category

🍽️ Dining

2

Now type just coffee and tap Parse with AI. The shortcut fills the whole card with no AI wait.Different price or card? coffee 6, coffee from nab.

Finance Tracker

Chat

Photo

Form

Bulk

Describe your transaction

coffee

3

Manage → Recurring → Add Recurring Rule. Netflix, 18.99 on the Amex, the 15th of every month.

Add Recurring Rule

Manual Auto

Transaction

Action

Expense

Source

Amex

Destination

Netflix

Amount

AUD18.99

Currency

AUD · Australian Dollar

Category

📱 Subscriptions

Owner

alex

Schedule

Frequency

Monthly

Day Spec ?

Specific date

15

Reminder

OFF (Auto-execute)

Reminder	What happens on the day
OFF	Saved by itself. For fixed bills: Netflix, rent
ON	Asks "Have you done this?" first
OPEN	Asks for the amount. For bills that change: electricity

Day Spec for Monthly: a specific date (15), end of month, the Nth weekday (second Monday) or a number of days after a date. Weekly and Fortnightly take a weekday.

9. Read your month

Only the transactions from this guide, so you can check every sum.

1

Open Report, pick the Month and a Display Currency. It loads by itself.Yearly sums twelve months. Trend draws charts across months.

Finance Tracker

Generate Report

MonthlyYearlyTrend

Month

October 2026

Display Currency (optional)

AUD · Australian Dollar

Originator

All Users

Owner

All Owners

2

The Income Statement: what came in, what went out. The yen is already in AUD.

Income Statement · October 2026 · AUD

Income Statement Download ⌄

TableSankeyCompare with Budget

Item	CCY	Amount
Income
▸ 💼 Salary (AUD)	AUD	5,000.00
Expenses
▸ ✈️ Travel (AUD)	AUD	300.00
▸ 🛒 Groceries (AUD)	AUD	64.30
▸ 🍽️ Dining (AUD)	AUD	20.50
Expenses (AUD)	AUD	384.80
Summary (AUD)
Total Income (AUD)	AUD	5,000.00
Total Expenses (AUD)	AUD	384.80
Net Savings (AUD)	AUD	+4,615.20

3

The Balance Sheet: what you own and owe on 31 October.A card sits under Liabilities: its balance is what you owe.

Balance Sheet · October 2026 · AUD

Net Savings+4,615.20

Total Assets8,680.70

Total Liabilities305.50

Balance Sheet Download ⌄

Account	CCY	Balance (orig.)	Balance (AUD)
Assets
CASH
NAB Everyday	AUD	7,695.70	7,695.70
Wise JPY	JPY	96,530	985.00
Total Assets			8,680.70
Liabilities
CREDIT
Amex	AUD	305.50	305.50
Total Liabilities			305.50
▸ Net Worth			8,375.20

On the report, tick Compare with Budget, switch the statement to Sankey, pick a Compare with Month on the balance sheet, or Download either.

10. Fix a mistake

Logged the coffee twice? Undo one.

1

Open History, find the row, tap Undo (the curved arrow at its end).Undo adds a reversal, so the record stays honest. Filter by date, action or category, or search, to find a row fast.

Finance Tracker

Search ID, source, destination, note…

Time	Action	Source	Amount
03/10 08:12	Expense	Amex	5.50
03/10 08:11	Expense	Amex	5.50
01/10 09:00	Income	Employer	5,000.00

11. Use the Telegram bot

Record on the go: text, receipt photo or voice note. Same data as the web app.

1

Open t.me/financetracker_jiebot, tap Start, copy your Telegram ID.

💰

Finance Tracker

bot

/start

9:00

👋 Welcome to Finance Tracker
🆔 Your Telegram ID: 123456789

9:00

2

In the web app: your username (top right) → User → Connect Telegram. Paste the ID, tap Link Telegram.

User Settings

Connect Telegram⌃

Link your Telegram account to receive bot notifications and use the Telegram bot.

Telegram ID

123456789

Don't know your ID? Open @financetracker_jiebot in Telegram and tap Start.

3

Now text the bot like you typed in the app.

💰

Finance Tracker

bot

ramen 1470 yen from wise

12:31

✅ Expense JPY 1,470 from Wise JPY → Ichiran
🍽️ Dining
🗓️ 12/10/2026 12:31 PM

Trx ID: A1B2C3

12:31

coffee

12:40

✅ Expense AUD 5.50 from Amex → Bean Bar
🍽️ Dining

Trx ID: A1B2C4

12:40

Unsure what you meant, the bot asks first: reply Y or N, or react 👍 / 👎. /undo reverses your last entry. /help lists every command.

12. Tool pages and your own AI

Your username (top right) → Tools. Each has its own short guide.

BudgetingA limit per month: groceries, dining, the Japan trip in yen. GoalPut a purpose on money you invest, watch the bar fill. PortfolioETF units priced every day, cost and profit side by side. Side JobA side gig on its own books. Only the net hits your report. Connect your own AIAsk Claude, ChatGPT or Grok "how much did Japan cost?" and let it record for you.

Finance Tracker
User Guide

The month in this guide

Contents

1. Sign in

2. Add your accounts

3. Record a spend

4. Record your salary

5. Move money between accounts

🗾 6. Spend in yen (Japan trip)

7. Import a bank statement

8. Shortcuts and recurring bills

9. Read your month

10. Fix a mistake

11. Use the Telegram bot

12. Tool pages and your own AI

Finance TrackerUser Guide

The month in this guide

Contents

1. Sign in

2. Add your accounts

3. Record a spend

4. Record your salary

5. Move money between accounts

🗾 6. Spend in yen (Japan trip)

7. Import a bank statement

8. Shortcuts and recurring bills

9. Read your month

10. Fix a mistake

11. Use the Telegram bot

12. Tool pages and your own AI

Finance Tracker
User Guide