MagickMoney is a personal budgeting app that tracks spending across accounts and currencies, and tells you whether the month's plan holds before you run out of money, not after.
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Each month is a cycle. You set a Budgeted amount per category: the plan. As the month unfolds, you adjust the Actual, your working plan. Paid is what's done.
Cash Flow tracks your Actual plan, not just what's paid. If it goes negative, you know now. Trim Actual somewhere to balance, before the money's gone.
Spend in any currency from any account. MKM, your personal unit of account, lets you plan in one number even when you don't know which currency you'll spend in — a budget of 500 MKM for dining out holds up a little more or less the same wherever the trip takes you.
A category is spendable in any currency from any account. No artificial walls.
Goals with deadlines. Save toward what matters; the progress bar does the math.
Rollover that makes sense. Unspent money carries forward visibly: Budgeted goes up, Actual stays put, so you see the difference.
Spending reports. Where did the money go? Pick any range of cycles and see it by category.
Your data, exportable. Download everything as CSVs whenever you like. Your data is yours. Always.
No ads, no trackers, no selling data. You pay $10/month; that's the business model.
$10/month