doughsense

Coming soon

Guides

App Navigation

8 min read

Doughsense has four tabs. Here's what each one does and how to get around.

The Main Navigation

Four tabs hold the app: Home, Spending, Net worth and Future. On a laptop they run down the sidebar; on a phone they sit in the tab bar at the foot of the screen. Home carries a count of the transactions and payments waiting on an answer.

Two more places are a tap away:

  • Check-up: your financial health metrics. Open it from Home's Check-up door, from Search, or from the Metrics at the foot of a page.
  • Settings: at the foot of the sidebar on a laptop, or in the plan and account sheet on a phone.

On a phone, the tile at the left of every page header is your active plan ("BP" for the Base plan). Tap it for the plan and account sheet: your plans, Notifications, Check-up, Settings, Documentation, Send feedback and Sign out. On a laptop the same menu opens from your name at the foot of the sidebar.

1. Home

The day's answer, on one page:

  • Left to spend leads, with the window it covers
  • The Today card: your net worth, and the year you become financially independent with how many simulations last past 95. On a phone its foot names what is committed before payday
  • To check: the transactions and payments waiting on an answer, each answered with one press
  • Coming up, beside To check on a laptop: the next payments before payday, and your payday
  • The doors: Check-up with its worst metric, your next milestone, and Built from, which lists what your plan counts

2. Spending

The month, in two views behind one switch, with the month beside it:

  • Budget: Left to spend, then your income and your categories as one ledger. Each category shows what you spent against its budget and what is left
  • Transactions: the month's transactions, one section per day, with search and filters

3. Net worth

Your balance sheet:

  • Net worth at the top, with the change on last month and a bar of what it is made of
  • Accounts, Property and vehicles, and Debts, each with its total and its own add row
  • Metrics at the foot, each opening its panel

4. Future

The long run, in three views behind one switch:

  • Projection: the year you become financially independent, your projected net worth over your lifetime with the range of 1,000 simulations, and the lists that shape it: Earn, Save, Spend, Retire, and Own and owe
  • Milestones: your milestones in date order, each with its progress
  • Plans: your plans, each with its range of years to financial independence, and Compare plans at a date

Check-up

Twelve metrics of your financial health, in two lists: To improve, worst first, and Working. Each opens its panel with the figure, its band and what moves it.

Key Features in Each Section

Home Features

Home gives you the day's answer without any digging.

  • Left to spend: press it to open Spending
  • The Today card: press your net worth to open Net worth, or the year to open Future
  • To check: "Yes, match it" matches a transaction to a payment you planned, and "Choose a category" files a new one. A match confirms with Undo
  • Before payday: on a phone press "Committed before payday", on a laptop the count line under Coming up, to see every payment before payday
  • Built from: press it to see what each kind counts, and Add anything new

Home always reads today, so it has no date control.

Spending Features

Spending reads one month at a time.

  • The month: the arrows beside the switch step a month at a time
  • Left to spend: press it for the month in full: how Left to spend is worked out, the month's in, budget and spent, then Where it went and Trends
  • Income: each income for the month, with the total at its title, then Add income
  • Categories: each category shows Spent, Budget and Left, with a thin bar for how far through its budget it is, and a total row. Over first puts the categories over their budget at the top, and Expand all opens every one. Open a category to see its payments and the month's transactions in it, then All in Transactions
  • Add expense closes the list
  • Entity records: press any income or expense to open its record, which is where you edit it

The Transactions view lists the month's transactions by day.

  • Search and chips: search by name, or narrow by account, category, type, source or amount. The "to check" chip narrows the list to the rows waiting on an answer
  • The day sections: each day carries its own net
  • Add transaction: record a payment you made yourself

With a bank connected, its transactions land in the list as they happen. Press a bank row to open it and say what it is.

Recording payments by hand is free. Rows synced from a bank connection are a Plus feature.

Net worth Features

Net worth shows everything you own and owe.

  • The date: press it to read your balance sheet at a later month. A later month reads "Projected", and Back to today returns
  • What it is made of: on a phone, Split lists each part; on a laptop they stand under the bar
  • The lists: sort each by value or balance, press a row to open its record, and add from the row that closes each list
  • Financially independent: press it to open Future

Future Features

Future shows the projection, the milestones on it and your plans.

  • Assumptions: your retirement age, spending in retirement, growth and inflation, and whether projected figures print in Today's money
  • The chart: press it to read your projected net worth at that month; Back to today returns
  • The range: press the simulations line to see the best case, your plan and the worst case
  • Milestones: Add milestone, and Test each milestone against market history
  • Plans: New plan, and press a plan to make it the active plan, rename it, duplicate it or delete it

Check-up Features

Check-up ranks every metric, worst first.

  • To improve and Working: press a metric to open its panel
  • Edit: choose which metrics Check-up shows

Bands, and the Single Accent

Every metric lands in a band, named in words beside its figure. Colour joins only where a band warrants attention, so the metrics worth looking at are the only coloured words in front of you. A metric's panel lays its bands out as a ladder of equal segments with your current value marked, so you can see which band you are in and what sits either side.

These metrics update as your financial situation changes or when you view a different date.

Settings

Settings is at the foot of the sidebar on a laptop, and in the plan and account sheet on a phone. It is one list:

  • Groups: A card with your name heads the list, then Household, Plan, Budget, Check-up, On this device, Connections and data, Account and Help. Sign out and Delete account close it
  • Quick Edits: A switch or a picker changes at once, and most offer Undo. A row that reads a value opens its editor
  • Save Automatically: Each field in an editor saves as you change it

Quick Settings

Today's money

Settings carries a Today's money switch, under On this device. On, each future figure shows what it buys today; off, it shows the pounds of its date. Figures in this year read the same either way. The choice is saved on the device you set it on, not on your account. Future's Assumptions carries the same switch.

Common Tasks

Checking Your Progress

  1. Start at Home for Left to spend, your net worth and the year you become financially independent
  2. Open Check-up from Home's door for every metric, worst first
  3. Open Future to read the projection at any month

Adding a New Account

  1. Go to Net worth
  2. Press Add an account at the foot of the Accounts list
  3. Choose your account type
  4. Fill in details and save

Creating an Expense

  1. Go to Spending, on the Budget view
  2. Press Add expense at the foot of Categories
  3. Set the amount, how often, and the category
  4. Press Create

Creating an Income

  1. Go to Spending, on the Budget view
  2. Press Add income at the foot of Income
  3. Set the amount and how often
  4. Press Create

Recording a Payment You've Already Made

  1. Go to Spending, then Transactions
  2. Press Add transaction at the top of the list
  3. Enter what it was, the amount, the date and a category
  4. Press Record

Setting a Milestone

  1. Go to Future, then Milestones
  2. Press Add milestone
  3. Define your milestone conditions

To tie an income or an expense to a milestone, open the income or expense itself and set its Starts or Ends row to Milestone, then pick the milestone. The income or expense follows the milestone, so when the milestone's date moves its own dates move with it.

Updating Balances

  1. Go to Net worth
  2. Press the account, property, vehicle or debt
  3. Update the balance
  4. The date automatically updates to today

Pro Navigation Tips

Use the Date Control

  • Press the date on Net worth or Check-up, or step the month beside Spending's switch
  • Pick a later month on Net worth to read the projected balance sheet
  • Press Future's chart to read the projection at any month

Search finds pages, categories, your metrics and the things you have added: accounts, property and vehicles, debts, incomes, expenses and milestones. On a phone it is the magnifier in every page header; on a laptop it sits under the logo, or press ⌘K.

Quick Actions

Each list closes with its own add row. Press any existing item to view or edit its details.

Getting Help

The plan and account menu carries Documentation (these guides) and Send feedback, and on a laptop Keyboard shortcuts. Settings closes with Help: Send feedback, Documentation and Legal.

Customising Your View

Viewing Options

  • Use the date control to read a page at another month
  • Filter Transactions to suit the question you're asking
  • Choose which metrics Check-up shows with Edit

What's Next?

  1. Set up your finances
  2. Create your first goal
  3. Explore the timeline

Try it in Doughsense

Put this guide into practice with your own finances.

Coming soon

Related guides

Credit Card PromotionsTrack promotional balance transfers, manage payment allocation, and monitor rate expiry dates to avoid surprise interest charges. Delete Your AccountHow to permanently delete your Doughsense account and all associated financial data. Includes data retention policy and account recovery information. See Your Financial FutureUse the timeline to project your financial future, run scenarios, and track progress towards your goals.