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User Guide

After login, BillTracker opens the Tracker for the current month. The left sidebar holds the primary navigation; the user menu in the top-right provides Profile, Settings, Data, About, and logout. Use Ctrl+K to open the bill finder from anywhere.

Start with the visual tour, then use Tracker and Planning for the normal monthly workflow.

Primary Navigation

Page What it does
Overview Monthly bill tracker with due buckets, payment state, notes, and overrides
Summary Income and starting-amount planning with projected cash positions
Calendar Bill due dates and payment activity on a monthly grid with money map
Bills Recurring bill definitions, debt fields, history visibility, and templates
Subscriptions Tracked subscriptions, bank-backed known-service recommendations, and cadence sort
Service Catalog Advanced matching workspace for known subscription services and custom bank descriptors
Analytics Monthly spending trends, expected vs actual, category breakdown, heatmap
Categories User-owned bill categories (with a spending-enabled toggle)
Spending Bank transaction categorization, per-category monthly budgets, and merchant rules
Health Bill-data quality checks
Snowball Debt payoff projections with ordering and amortization views
Data SimpleFIN sync, CSV/XLSX imports, transaction workbench, exports, demo data
Profile Push notification channels, privacy settings, login history, geolocation opt-in, and session detection

Profile manages notification channels (ntfy, Gotify, Discord, Telegram), push notification settings, two-factor authentication (TOTP and WebAuthn security keys), and login history. The login history shows the last 10 sessions with decrypted IP, user agent, city, region, country, and ISP. Failed attempts are marked in red, and the current active session has a "This session" badge. New device logins trigger a push notification. Data is the ingestion and export workspace.

Recent Additions

Feature Details
Autopay trust indicator AP badge shows a 12-month confidence score with a clock nudge after 90 days unverified
Tracker sorting URL-backed sorting by name, due date, amount, paid amount, remaining, paid date, and status
Trend sparkline and Changed badge Inline 6-month payment trend and amber Changed badge on drifted bills
Animated transitions Framer-motion page, modal, and tracker reorder transitions
Bank-payment override Manual payments count immediately; matching bank payments become the source of truth
Remembered search panels Tracker, Bills, and Subscriptions search/filter areas remember collapse state
Profile display name Profile name persists across reloads and new sessions
Private calendar feed Token-protected feed.ics for Apple, Google, Outlook, and generic ICS clients
Service Catalog Dedicated matching workspace with bank descriptors, custom descriptors, and link-existing-bill preference
Auto-match review Collapsible panel for provider_sync matches in the last 7 days with one-click undo
Auto-learn merchant rules Explicit user confirmations create normalized merchant rules
Ambiguous rule protection Conflicting rules for the same payee leave the transaction for manual review
Cancellation tracker Optional reason dropdown when deactivating a bill
Spending page Categorize bank transactions, set per-category budgets, and save merchant rules
TOTP and WebAuthn Authenticator app 2FA and FIDO2 hardware security key support
Session token hashing Sessions store SHA-256(token) instead of the raw token
Geolocation opt-in Login IP geolocation is disabled by default and controlled per user in Profile → Privacy

How do I change my display name?

Open Profile → Display name, type the new value, and save. The name is persisted to users.display_name and returned consistently as display_name, displayName, and name aliases from auth/profile responses. The Sidebar and Profile page display the saved name reliably after reloads and new sessions.

Monthly Workflow

  1. Add or import recurring bills.
  2. Review the current month in Tracker — bank status bar shows effective balance with freshness timestamp, sparklines, drift indicators, and the autopay trust badge.
  3. Record payments, skip bills that do not apply, adjust month-specific amounts, or accept bank-backed overrides.
  4. Review cash planning in Summary and due dates in Calendar with cash flow projections and the new Calendar Feed subscription card.
  5. Use Analytics, Spending, and Health to catch trends or incomplete bill records.
  6. Tune Service Catalog descriptors and merchant rules so future bank syncs match automatically.
  7. (Optional) Set up Push Notifications in Profile and enable TOTP or WebAuthn 2FA for an additional login factor.

Optional Data Tools

The Data page handles SimpleFIN sync, transaction matching, merchant rules, advisory non-bill filters, CSV and XLSX imports, user-owned exports, demo data, and import history. The Auto-matched — review panel surfaces any recent merchant-rule auto-matches for one-click correction.

See Data and Bank Sync for the complete workflow including merchant rules, auto-fix month crossing, historical payment import, late attribution, and the auto-match review panel.

Next steps