Learn
Every money idea behind the numbers in WealthyJack, in words you won't need to look up. Start at the top, or jump to the one you need.
Starting out 9 ideas
- Net positionWhat you have minus what you owe, in one number.
- Cash and what you oweThe money you can use now, next to what you still have to pay back.
- Money in, money out and transfersWhat you earned, what you spent, and money you only moved between your own accounts.
- Categories and reviewEvery spend gets a label, like Groceries or Rent, so you can see where money goes.
- Paydays and billsWhen your money arrives, and when the regular charges are due.
- Safe until paydayWhat you can spend before your next pay without missing a bill.
- Budgets and the 50/30/20 rule of thumbA plan for how much to spend in each category this month.
- Statement dateThe day your card adds up the month and makes your bill.
- Due dateThe last day to pay your card bill without a late fee.
Getting steady 9 ideas
- PaceWhere your spending is heading by the end of the month, at today's rate.
- SubscriptionsThings you pay for again and again, like streaming or a gym.
- Minimum paymentThe smallest amount you can pay on a card bill without a late fee.
- Card limit usedHow much of your card's limit you're using right now.
- InterestWhat it costs to owe money, as a share of what you owe each year.
- Emergency fundCash set aside for surprises, like a car repair or a gap between jobs.
- Savings rateThe share of what comes in that you keep.
- GoalsSomething you're saving for, with a target and, if you like, a date.
- Achievements and streaksSmall badges for good habits, like putting money aside three months in a row.
Looking ahead 7 ideas
- Loans and paying off fasterMoney you borrowed and pay back over time, plus interest.
- Money scoreOne number from 0 to 100 that sums up how your money is doing.
- Insights and the weekly summaryShort notes when we spot something worth a look, and a recap of your week.
- Household roles and sharingSee money together with the people you live with, and choose what each one sees.
- PlansFree covers the basics; Standard and Premium add the extras for a small monthly price.
- Bank connections and what they can seeLinking a bank lets the app read your balances and transactions, and nothing more.
- Privacy and what the app never doesYour money data is yours: we don't sell it, and the app never moves money.
See these on your own money
WealthyJack explains each of these right where the number shows up.