Good Morning, Admin

Loading active cycle...

On Track 👍 Next Pay: —

Daily Allowance

Connect UP Bank to calculate your daily spending allowance

Accounts

Connect your UP Bank account

Configure your UP API token in Settings

Savings Goals

Create savings goals to track your progress

Bill Tracker

This month

Connect UP Bank to track bill payments

Outstanding Tabs Ledger

$0.00 pending

No outstanding tabs

Tap any transaction in your ledger to flag it for reimbursement!

Recurring Charges

⏳ Needs 2+ months of data to detect patterns

Recent Transactions

Connect UP Bank to see transactions

Income $0.00

Expenses $0.00

Credits $0.00

          Net Savings
          $0.00
        

Savings Rate

Monthly Summary

Gross Income per month (after tax)

Fixed Commitments $0.00

Joint Allocation $0.00

Subscriptions & Fixed Costs

Item	Cost	Freq	/Month	Due Day	Notes
Total			$0.00

Discretionary / Pocket Money

Item	Cost	Freq	/Month	Due Day	Notes
Total			$0.00

Joint Accounts & Fixed Transfers

Item	Cost	Freq	/Month	Due Day	Notes
Total			$0.00

Income Credits / Reimbursements

Item	Amount	Freq	/Month	Due Day	Notes
Total			$0.00

Total Target $0.00

Total Saved $0.00

Total Remaining $0.00

Monthly Required $0.00

Overall Progress 0%

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Feasibility Assessment

Loading goal feasibility assessment...

Active Saving Goals

Live Transactions

May 2026

Spent $0.00

Received $0.00

Cycle Delta $0.00

No transactions loaded

Connect UP Bank to see live transactions

Spending Analytics

May 2026

Spent $0

Txns 0

Avg/Day $0

Spending Breakdown

Transaction data needed for charts

Top Merchants

Spending data needed for merchant rankings

30-Day Cash Flow Forecast

Connect UP Bank for balance forecasting

Budget vs Actual

Budget and transaction data needed

UP Bank API Token

Link your personal UP Bank account to feed live balance and transaction updates in real-time.

Connection Status

Checking...

Active Account Token Loading...

NEW / UPDATED TOKEN

Get your Personal Access Token from api.up.com.au

Save New Token

Disconnect Account Token

UP Bank Webhook Validation

Exposing webhook endpoints publicly without verification is unsafe. Verify the authenticity of UP Bank payloads (HMAC-SHA256 signature checking).

Signature Verification

Disabled (Unsecured)

YOUR PERSONAL WEBHOOK TARGET URL

Register this URL in your UP Bank account webhooks page to receive real-time updates.

UP WEBHOOK SECRET KEY

Provided by UP Bank when registering your webhook subscription.

Save Webhook Secret

Remove Webhook Secret

Pay Cycle Settings

Align calculations to your salary cycle and ignore older spending in the current cycle.

Enable Pay Period Mode

Allowance Start Date

Notification Preferences

Toggle which smart real-time push alerts you want to receive on your devices.

Unbudgeted Subscriptions

Subscription Price Changes

Upcoming Bill Reminders

Bill Account Shortfalls

Savings Goal Milestones

Large Spend Alerts

Account Visibility

Choose which connected UP bank accounts appear on your dashboard.

Connect UP Bank API to list accounts

Webhook & Push Simulator

Simulate live transaction webhook payloads on localhost to verify witty alerts and allowance recovery math.

Scenario Preset

Merchant Name

Spent Amount ($)

⚡ Send Mock Webhook Payload

Data Import & Export

Back up your local configuration, target limits, and custom alerts as a JSON file.

Export Budget JSON

Import Budget JSON

Useful Links & Actions

🔑 Get UP Bank API Token api.up.com.au

🔔 Enable Browser Notification Alerts System Alerts

💻 UP Developer Portal Docs GitHub