MagickMoney is a personal budgeting app that tracks spending across accounts and currencies, and tells you whether the month's plan holds before you run out of money, not after.
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Each month is a cycle. You set a Budgeted amount per category: the plan. As the month unfolds, you adjust the Actual, your working plan. Paid is what's done.
Cash Flow tracks your Actual plan, not just what's paid. If it goes negative, you know now. Trim Actual somewhere to balance, before the money's gone.
Spend in any currency from any account. MKM, your personal unit of account, averages across your currencies so one number means the same thing everywhere.
Categories, not envelopes. A category is spendable in any currency from any account. No artificial walls.
Goals with deadlines. Save toward what matters; the progress bar does the math.
Rollover that makes sense. Unspent money carries forward visibly: Budgeted goes up, Actual stays put, so you see the difference.
Spending reports. Where did the money go this month? One click, by category.
Your data, exportable. One click downloads everything as CSVs. Your data is yours. Always.
No ads, no trackers, no selling data. You pay $10/month; that's the business model.
$10/month