Details

Flexible by design

Moneyspan doesn't come with a prescribed structure. You create folders and name them whatever makes sense. You use only the widgets that matter. You track the kinds of items you care about and ignore the rest.

Some people use Moneyspan for a full plan with dozens of investments and detailed tax modeling. Others use it for a handful of accounts, an income buffer, and nothing else — a planning version of a single-tab spreadsheet. Both are valid setups. The app follows you, not the other way around.

Planning & projections

• Month-by-month forward projection of all scheduled items, 12 months out
• Past vs. future split within the current month
• Optional tax withholding estimates baked into projections (US profile or a custom non-US profile)
• Income, expense, tax, and reinvestment category breakdowns
• Projections power dashboard widgets and the 12-month outlook chart

The income buffer

• Percentage of income left after all expenses
• Toggle between gross and after-tax views
• Configurable target percentage
• Configurable minimum threshold (turns red below, green above)
• Updates live as you edit anywhere in the document

What-if scenarios

• Create scenarios that overlay hypothetical changes on your real data
• Model income changes, expense changes, savings adjustments, investment moves, debt changes
• See buffer impact and projection changes instantly
• Real numbers are never modified
• Adjust, duplicate, or delete scenarios freely

Allocated & expected buckets

• Allocated buckets — earmark funds for upcoming expenses (a new laptop, next year's property taxes). Held aside in Moneyspan's view of available cash.
• Expected buckets — track windfalls you know are coming (a tax refund, a bonus). Added to projected net worth without being mistaken for money you already have.
• Track funding progress toward each bucket's target

Contributions & withdrawals

• Contributions — scheduled transfers from cash flow into tax-advantaged accounts (401(k), IRA, HSA)
• Savings plans — recurring transfers into savings or other non-tax-advantaged accounts
• Annual deduction support for pre-tax contributions (reduces taxable income in projections)
• Withdrawals — retirement distributions from accounts back into cash flow
• Configurable tax-free percentage for Roth and HSA qualified withdrawals

Dashboards & widgets

• Multiple named dashboards per document
• Customizable widget grid with drag-to-resize
• Widget sizes: small, medium, large, full-width
• Pin any widget to the sidebar for at-a-glance visibility without opening the dashboard

Available widgets:

• Net Worth, with popover breakdown by account type
• Income Buffer, with min/target thresholds, gross or after-tax
• All Income and All Expenses, monthly or yearly
• Tax Estimate (requires a US or custom tax profile)
• Investments — total market value
• Available Cash, with min/target thresholds across configurable account types
• Allocation donut chart by tag group within a folder
• 12-Month Outlook bar chart — income vs. expenses, month by month
• Monthly Remaining Income — how much is still arriving this month
• Expense Log quick-entry widget
• Single Item widget — pin any item's balance to a dashboard
• Notes widget — freeform sticky note for reminders and annotations
• Savings Goal widget — progress ring for allocated buckets with quick increment buttons
• What-if Assumptions overlay

Income

• Salary
• Freelance / contract income
• Rental income
• Pension
• Social Security
• Cash back / rewards
• Other income
• Per-item tax classification: salary, qualified dividend, ordinary dividend, capital gains, interest, rental, pension, Social Security, cash back

Expenses

• Recurring expenses with full schedule support
• Expense Log — quick-add ad-hoc spending entries with a running total
• Tag-based grouping for category-level totals
• Tax-deductible classification

Account balances

• Checking, savings, cash on hand, brokerage cash
• Balance history is preserved automatically — every update becomes part of a running history
• Link income items to destination accounts (paycheck → checking)
• Link expense items to source accounts (rent → checking)

Investments

• Stocks, ETFs, and mutual funds with live Yahoo Finance quotes
• Cryptocurrency support (BTC-USD, ETH-EUR, etc.)
• Cumulative share tracking with buy/sell lots and cost basis
• Average cost per share, total gain/loss, gain/loss %
• Dividend tracking — per-share amounts on any schedule
• Automatic dividend change detection with approve/reject/snooze
• DRIP modeling — reinvested or paid to a linked brokerage cash account
• NAV symbol support for mutual funds with separate price lookup
• Exchange-aware ticker search (US, London, Toronto, Frankfurt, Tokyo, and more)
• Per-item tax status: taxable, tax-advantaged (IRA/pre-tax), tax-sheltered (Roth/post-tax)
• Automatic logos for items linked to recognized companies — banks, brokerages, subscriptions, and ticker symbols
• Specialized investment table view with columns for shares, market value, gain/loss, dividends

Liabilities & debt

• Credit cards
• Loans (personal, auto, student)
• Mortgages
• Other liabilities
• Balances are tracked over time automatically

Assets

• Property / real estate
• Vehicles
• Collectibles
• Other assets
• Values are tracked over time automatically

Scheduling engine

• Daily, weekly, monthly, quarterly, yearly recurrence
• Specific days of week or month
• Last weekday, first weekday, mid-month
• End by date, or end after N occurrences
• Exclude specific dates
• Per-share dividend basis (amount × share count)

Tax estimation

US profile:

• Filing status: single, married filing jointly, married filing separately, head of household
• Qualifying dependents for child tax credit
• Federal ordinary income brackets and capital-gains brackets
• State income tax brackets (progressive)
• FICA: Social Security, Medicare, additional Medicare surtax
• Net investment income surtax
• Standard deduction
• Above-the-line deductions: HSA contributions, student loan interest, educator expenses, and more
• Per-item income classification for nuanced tax modeling
• After-tax income buffer mode

Custom profile (any country):

• Personal allowance (tax-free threshold) and optional phaseout at higher income
• Progressive income tax brackets
• Regional, provincial, or state brackets — or a single bracket at zero to act as a flat rate
• Social contributions (UK National Insurance, Australian Medicare Levy, and similar)
• Per-category investment income rules (dividends, capital gains, interest)
• Tax credits that reduce tax owed
• Labeled above-the-line deductions

Tax estimates are for projection purposes. They do not replace tax preparation software or a qualified tax professional.

Folders & organization

• User-defined folders for any grouping (Retirement, Day-to-Day, Liabilities, etc.)
• Three automatic table layouts: Standard, Compact, Investment
• Tag-based grouping within folders with multi-select "Group By" menu
• Section headers with per-group totals
• Drag-and-drop items between folders
• Drag-to-reorder folders in the sidebar
• Custom color and icon per folder
• Monthly / quarterly / yearly payment view toggle
• Resizable item inspector panel for details, notes, payments, holdings, and history
• Per-item notes for freehand context

Tags

• Create, rename, reorder, and delete tags
• Custom color and icon per tag
• Assign multiple tags per item
• Tags drive folder grouping, expense categorization, and allocation charts
• Cascade delete: removing a tag cleans up all item assignments and folder group-by configs

Notifications

• Dividend change alerts — automatic detection when fetched rates differ from stored rates
• Shows symbol, current rate, proposed rate, and % change
• Approve, reject, or snooze (1, 3, or 7 days) individually or in bulk
• Bills-due alerts — reminders for upcoming or overdue scheduled payments
• Mark paid or snooze
• Yellow badge count in the sidebar

Import

• Expenses — bulk CSV import into a folder
• Snapshots — CSV import of historical balance data
• Tax lots — CSV import of investment purchase lots with cost basis
• Tax classifications — bulk CSV import of income tax categories for investment items
• Multi-step import flow: intro → file picker → preview → confirm

Reports & printing

• ⌘P — print-ready PDF report
• Sections organized by item type (income, expenses, investments, balances, assets, liabilities)
• Investment groups by tax status (taxable / IRA / Roth)
• Expense groups by category tags
• Summary cards: net worth, annual income, annual expenses, income buffer
• Page numbers ("Page N of M")
• Uses current live market prices

Search & navigation

• ⌘F — global search across all items
• Click a result to navigate directly to the item's folder and select it
• ⌘Z — undo and redo for balance and structural edits
• Standard macOS keyboard navigation throughout

Split Calculator utility:

• Floating utility panel that stays above document windows
• Enter a total, define percentage-based allocation rows
• Live-computed dollar amounts
• Copy amounts to clipboard for pasting into item fields
• Saveable presets per document

Snapshots & history

• Browse historical daily balance snapshots organized by year
• Delete individual snapshots
• Archived snapshots preserved inside the document package

Privacy & security

• Local .moneyspan file — no account, no server, no analytics
• Read-only mode — all edits blocked when locked
• Increase-only mode — balances can only go up (goal tracking)
• Per-item edit rule overrides
• Inline unlock (auto-relocks after one action) or manual unlock (stays unlocked until toggled)
• Locked UI hides edit controls entirely for a clean read-only experience

Full privacy details in the privacy policy.

Currency handling

• 10 document currencies: USD, EUR, GBP, CAD, AUD, JPY, CHF, SEK, NOK, NZD
• 28 total recognized currencies for investment quotes
• Holdings and balances in different currencies are shown separately — not mixed into a single total
• GBp (pence) auto-conversion for London-listed stocks
• Currency-mismatch warnings when a ticker's currency doesn't match the document's currency during search

Document & file

• Native macOS document model (.moneyspan package)
• Multiple documents for separate financial lives
• Standard macOS file operations (save, save as, duplicate, revert)
• Auto-save support