BARES FINANCIAL OS
BARES FINANCIAL OS
Card debt—
Interest/mo—
Avalanche target—
Funds funded—
Accounts
Today
Money Monday
Funds
Bills
Debt
Budget
Month-End
Banks
Where is my money right now?
Today
Log income that landed today
Note for Monday
This week's income
Logged since Monday: $0
The allocation below uses the override if you enter one, otherwise the logged total.
Allocation — work top to bottom
Close out the week
Every purchase has a fund. If the fund is empty, the answer is no — not "check the account."
School
BillDueCost/moAcctPay JFMAMJJASOND
Home
BillDueCost/moAcctPay JFMAMJJASOND
Green amount = fixed (same every month). Blue = varies, showing YTD average. Click a month cell to log what actually got paid — multiple payments per month supported.
Kill list — avalanche order (highest APR first)
CardStatusBalanceAPRInterest/moMinDue
Loans (not in avalanche)
Spending vs target —
Tap "+ spend" when money leaves. Groceries target is $0 on purpose — the benefit card covers food. Anything logged there is leakage worth seeing.
First-Monday checklist
Log monthly P&L
P&L history
Connected accounts
Transaction inbox
Read-only sync via SimpleFIN. Log each transaction where it belongs: budget spending, a bill payment, or income. Balances update on sync.