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📖

User Manual

Complete reference guide to every feature in BudgetRealm v4.0.

🏠

Dashboard

  • ›Overview of all financial accounts and balances
  • ›Recent transactions and spending summary
  • ›Budget progress for the current month
  • ›Goal progress widgets and savings milestones
  • ›AI-powered financial health score
🏦

Accounts

  • ›Add checking, savings, credit, and investment accounts
  • ›Update balances manually at any time
  • ›Color-code accounts for visual organization
  • ›Net worth calculated automatically from all balances
  • ›Filter accounts by type (checking, savings, credit, etc.)
💳

Transactions

  • ›Log income, expenses, and transfers
  • ›Categorize transactions (Food, Housing, Transport, etc.)
  • ›Mark transactions as recurring with frequency settings
  • ›Filter by type, category, or search by description
  • ›Income vs expense summary with net flow calculation
📊

Budget

  • ›Create monthly, annual, or project budgets
  • ›Add income and expense line items with categories
  • ›Zero-based balance indicator shows allocation status
  • ›Track budgeted vs actual amounts per line item
  • ›Support for multiple budgets (e.g., personal + business)
🎯

Goals

  • ›Set savings, debt payoff, or investment goals
  • ›Track contributions and progress with visual bars
  • ›Add individual contributions with notes
  • ›Set deadlines and calculate monthly savings needed
  • ›Multiple goal types: emergency, vacation, vehicle, custom
📋

Bills & Subscriptions

  • ›Track all recurring bills with due dates
  • ›Mark bills as paid with one click
  • ›Filter by status (paid, upcoming, overdue)
  • ›Auto-pay tracking to know what's automatic
  • ›Monthly total and overdue amount summaries
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Debt Tracker

  • ›Add all debts with balance, interest rate, and minimum payment
  • ›Apply payments to reduce balances instantly
  • ›Sort by balance, rate, or name
  • ›Avalanche strategy tip highlights highest-rate debt
  • ›Total debt, minimum payments, and average rate summary
📈

Investments

  • ›Track 401k, Roth IRA, brokerage, HSA accounts
  • ›Monitor total value vs contributed amounts
  • ›See gain/loss in dollars and percentage
  • ›Portfolio share breakdown per account
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Auto-Save & Data

  • ›All changes auto-save to the server after 1.5 seconds
  • ›Use 'Save Now' button for immediate manual save
  • ›Use 'Clear demo [page]' to remove sample data
  • ›Data loads from server first, then localStorage as backup
  • ›Export data from History & Export page
⚙️

Settings

  • ›Update profile name, email, and avatar
  • ›Upload custom profile photo (auto-resized)
  • ›Choose app theme and color scheme
  • ›Configure notification preferences
  • ›Manage connected bank accounts
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