Across all accounts
Today
Dashboard
Smart forecast
Your month is tracking toward $0.
Forecast will update as your profile and transactions grow.
Confidence
Learning
This month
This month
Income retained
Cash Flow
Six month income and spending trend
Prediction
Next month outlook
Goal Capacity
Projected surplus available for goals this month
Spending Mix
Current month by category
Recent Entries
Latest entries
Customise Dashboard
Choose which dashboard sections appear and the order they show in.
Income
Regular pay, annual earnings, tax expectations, and recorded income
Before estimated tax
Income tax and Medicare
After estimated tax
This month
Income Setup
Set pay frequency, tax handling, and bonus details for each person
Income Entries
One-off and recurring income for the selected month
Household Earnings
Annualised salary, expected tax, bonus, and pay timing by person
Expenses
One-off and recurring expenses in one table
| Date | Business / Payee | Person | Category | Account | Amount | Actions |
|---|
Goals
Savings targets connected to monthly surplus planning
Goal Plan
Targets, progress, monthly need, and dashboard funding capacity
Assets & Investments
Owned assets, investments, and loan-backed assets
Owned and financed assets
Linked loan balances
Assets minus debt
Monthly equivalent
Accounts
Balance sources
Bank linking
Connect Australian bank accounts securely through Fiskil, or keep adding accounts manually.
Account Settings
Manage preferences, profile details, and household members
Preferences
Choose how Spentlo looks and feels on this account
0/0
setup
Progress path
Finance Setup Journey
Complete the core money setup steps, then keep unlocking badges as your household picture gets stronger.
Your next achievement will appear here.
Achievement Unlocks
Reward milestones for setup, income, spending discipline, goals, and net worth growth
Account Details
Update your profile, contact details, and account defaults
Email verification
Email ownership has not been checked yet.
2-step verification
Authenticator app verification is off.
Connected sign-in
Google and Microsoft sign-in are ready to connect once provider credentials are added.
Delete account
Permanently remove your profile, saved finance data, and active sessions.
Billing
Placeholder subscriptions for future monetisation
Payment readiness
What must be connected before Spentlo can take real payments
Billing activity
Saved plan changes and placeholder checkout actions
Household People
Manage the people available across expenses, accounts, assets, and goals
Household access details will appear here.
Feedback
Capture what feels good, confusing, frustrating, or missing
AI Insights
Practical signals and private finance coaching
0
Score
Money pulse
Your next useful move
Spentlo is reading your income, spending, bills, goals, and assets.
Savings buffer
Target difference
Current month pace
Best next area
Next Best Actions
Short, specific nudges from your current numbers
Forecast Snapshot
What the model is using right now
Money Map
Income, commitments, flexible spend, and surplus
Signals
Category and household patterns worth watching
Ask Spentlo AI
Private answers use a server-side finance summary only.
Ask a question to get a private answer based on this household's summary.
Admin Panel
Private operational controls for approved administrators
System Overview
Waiting for secure admin data
Admin data is loaded from the server only.
Security & Config
Admin-only deployment checks and app guardrails
Attention Queue
Things worth checking before they become support issues
Admin Actions
Secure maintenance tools for sessions and operational hygiene
Clean stale sessions
Remove expired or orphaned login sessions from the server store.
Emergency session reset
Sign out every other active session and keep this admin session online.
Users
Account health, sessions, and usage summary
Recent Feedback
Latest app feedback across users