TimeisMoney

Your time and money in one place. Same email and password on every device.

Demo · sample data, saved only in your browser.
Hello
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This week
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What stands out

Time

demo

Trend

Ideal vs actual

Where it went

When it happens

Last 8 weeks — where this activity actually lands in your day.

Blocks you actually honour

Adherence by time of day across your last 8 weeks. Move plans into the slots you keep.

On pace?

Displacement

What actually filled the blocks you planned for something else.

Weekly goals

Money

Total position
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Ledger

EVERYTHING BELOW IS FOR

Spending by category

Where every naira went

Every category, every subcategory, to the last kobo. Tap any line to see the entries behind it.

Comparison

Ranked by what changed, not by what's biggest.

Cash-flow calendar

What goes out and comes in on which days. Timing is often the whole problem.

Where your income went

Saving isn't spending — but it isn't leftover either. This is the allocation.

Net worth & survival

What you hold, what a month actually costs you, and how long that would last.

Committed vs discretionary

Findings

Monthly budgets

Flags when your pace is ahead of the period, not after you overshoot. Showing . Tap a name to see the entries.

Goals

Savings & investment pots

Every pot must balance. If the real balance is higher than what your records explain, that difference is money you earned — it gets recorded as investment income, not left to appear from nowhere.

Import a statement

CSV from one account at a time. Everything lands in the one ledger — nothing is merged without you seeing it.

CSV, Excel (.xlsx/.xls) or PDF. If your bank\'s layout isn\'t recognised you can point at the right columns yourself.

Past imports

Each import is one batch. Removing it deletes only the rows it added.

Matching rules

Keyword → category. Case, spacing and punctuation are ignored, and your corrections are learned automatically.

Habits

Achievements

To-dos

One-off things that aren't habits — renew passport, print documents.

Settings

Demo data

You're exploring with sample data for a made-up person. Reset it any time, or clear it and start tracking your own.

Habits

Habits pause and streaks stay intact between these dates.

Look

Changes the whole app. Your data is untouched.

You

Used for the greeting on Home.

Your data

Accounts

Currencies

Rates are stored against each transaction as it's entered, so past months don't shift when rates move.

Spending categories

Time categories

Reminders