Go to the Import tab, pick (or create) an account, then drag & drop your PDF statement — or tap the dropzone to browse for it. Works best with text-based statement PDFs, which is what most banks export; scanned/image-only PDFs aren't supported yet.

Every statement you upload gets filed under whichever account is selected at the time, so its transactions land under the right checking, savings, or credit card account automatically. If you're importing a new account for the first time, create it right there on the Import tab before you drop the file.

You'll land on "Review Parsed Transactions" — a quick check of the dates, amounts, and categories the app pulled out before anything gets saved. Rows it's less sure about are flagged for a look, and anything it detects as a credit-card payment or a transfer between your own accounts is marked "Transfer" and kept out of your income/expense totals automatically. Uncheck anything that isn't a real transaction, then tap "Save to Tracker."

Fix it right on the Transactions tab (or during the Review step, before you save) using the Category/Subcategory dropdowns on that row. The app learns from that correction and applies it to matching transactions going forward too, not just the one row you fixed.

Open Categories from the More ▾ menu. Use "+ Add Category" to create a new one, or open an existing category to manage its subcategories.

Fixed = recurring, predictable expenses like rent or a subscription. Irregular = variable spending like dining or shopping. Income = money coming in. Transfer = money moving between your own accounts or credit card payments — these are excluded from your income/expense totals since they're not real spending or earning.

On the Transactions tab, use the Category and Subcategory dropdowns on that row, then tap "Save All." Once corrected, the app remembers the pattern and auto-categorizes similar transactions the same way on your next import.

No. Everything is parsed and stored locally in your browser, encrypted with your own account password, unless you turn on the optional Cloud Backup yourself.

Open Cloud Backup from the More ▾ menu and check "Keep this account automatically synced." Once that's on, any change on any device backs up within seconds and every device signed into that account pulls in the latest automatically — no more tapping the backup buttons manually.

Sign in there with the same email and password, open the Cloud Backup panel, and tap "Restore on this device" — no file to find or pick. If auto-sync is turned on, that's a one-time step; after that, the new device stays current on its own.

Yes — the Backup card on the Import tab has an "Export backup (JSON)" button for a downloadable copy of your own, independent of Cloud Backup.

It starts from a current balance you control (by default, the sum of your checking/savings balances) and projects it forward 90 days from today, using the same bills detected in Monthly Bills above it plus anything you type into Other Expenses — checked against your Planned Income and any Other Income you add. It's always anchored to today, regardless of whichever Year/Month filter you have set elsewhere on the tab.

It defaults to the sum of your checking and savings account balances, but you can override it with your own number if you want the projection to start from something more exact.

Your Primary Work paycheck, auto-detected as either every-other-week or monthly based on your actual pay history, and editable if it's wrong. Use "+ Add Planned Income" for anything else on a set schedule, like a second job.

Anything less predictable than a recurring bill or paycheck — a one-time bonus on the income side, or a planned cost like extra grocery spend or school uniforms on the expense side. Type the amount directly into that day's row in the table; there's no separate form.

That's your heads-up that the projected running balance goes negative on that day — meaning, based on what's currently planned, your expected income may not cover your bills by then.

A month-by-month table of Income, Expenses, Transfers, Net, and Savings Rate. Expand any month to drill down: Category > Subcategory > Description, so you can see exactly which transactions are behind any number.

Transfers — credit card payments and money moved between your own accounts — are excluded from income/expense totals by design, since they're not real spending. But the auto-categorization occasionally files a genuine bill under Transfers by mistake. Check this column each month for anything that shouldn't be there; if you find a real bill, recategorize it out of Transfers on the Transactions tab so it counts toward your expense totals.

A few things worth doing each time you close out a month: compare that month's Net against what your real bank balance actually changed by — a mismatch usually means something's missing, duplicated, or miscategorized. Expand the month, then a category, then a subcategory to see the individual transaction descriptions behind any total that looks off. Scan the Transfers column for anything unfamiliar. And if you want to see credit card charges counted the moment you swipe rather than when you pay the bill, toggle Gross vs. Net mode at the top of the tab.

Open "Report a Bug" from the More ▾ menu, pick what it's about, and describe what happened. You can optionally attach a screenshot or the statement PDF itself — up to 3 files, 5 MB each — though it's worth blacking out your account number first, since this is the one place in the app where a file you choose to attach is actually sent to the team. Nothing else about your statements ever is.

Open "Leave a Review" from the More ▾ menu, give it a star rating and a short written review, and optionally add a display name. There's a separate checkbox to opt in if you're comfortable having it featured on the PDF Money Tracker website.

No — only if you check the consent box when submitting it, and even then only after the team reviews it.