Personal finance operating system

Review your month, track your net worth, and keep the shared account honest.

This workspace combines monthly reviews, quarterly net-worth check-ins, fixed-cost tracking, investment snapshots, and a shared-account ledger with ownership splits.

Jump to reviewsCashew importShared accountExport JSON

Review ritual

  • Monthly: income, expense split, investment rate, notes, and actions.
  • Quarterly: main account, emergency fund, investments, crypto, debts, net worth.
  • Shared account: who really used what, including 50/50 household spending.
Latest monthly margin
CHF 1'815

Captured on 2026-04-30

Current net worth
CHF-22'813

Captured on 2026-03-29

Shared account usage
CHF 148

Your usage vs CHF 113 for the other person

Invested capital
CHF 32'150

Now worth CHF 34'530

Monthly trend

Monthly margin

Income minus expenses and investments for 2026, so you can see whether the month created room or pressure.

Quarterly trend

Net worth progression

A clearer balance-sheet view for 2026 based on active assets minus debts.

Workspaces

Use focused pages for the long workflows

The dashboard stays short, while the heavier workflows live in dedicated pages.

Open your side workspacesImport and categorize Cashew data, or manage the shared account separately from the main dashboard.
Cashew import7 imported rows

Open this page to import files, inspect transactions, include or exclude rows, and prepare monthly review totals by category.

Shared accountCHF 261 tracked

Keep the common-account ledger, usage split, and CSV export in its own dedicated page so the dashboard stays compact.

Reviews

Recent monthly and quarterly reflections

The homepage keeps the latest four reviews visible. Older ones live in the archive by year.

Open full review archive

Monthly review

2026-04-30

CHF 1'815 margin

Income CHF 6'350 • Expenses CHF 3'885 • Investments CHF 650

Expenses 61% • Investments 10% • Extra 5%

Fixed CHF 2'895 (46%) • Travel CHF 265 • Una tantum CHF 435

Notes: Good month, but the investing review still felt fragmented.

Good: Maintained savings rate above target and reduced low-value subscriptions.

Bad: Quarterly investing overview took too long to piece together.

Actions: Use the dashboard to update invested capital and current values at month end.

Insights
  • Una tantum spending was elevated at CHF 435.

2026-03-31

CHF 1'825 margin

Income CHF 6'350 • Expenses CHF 3'950 • Investments CHF 575

Expenses 62% • Investments 9% • Extra 5%

Fixed CHF 2'910 (46%) • Travel CHF 290 • Una tantum CHF 405

Notes: Shared-account reconciliation still took too much manual effort.

Good: Fixed expenses stayed stable and side income boosted savings.

Bad: Shared account grocery reconciliation was still manual.

Actions: Log shared-account purchases weekly and review categories every Sunday.

Insights
  • Margin improved by CHF 200 versus the previous review.
  • Una tantum spending was elevated at CHF 405.

2026-02-28

CHF 1'625 margin

Income CHF 6'200 • Expenses CHF 4'025 • Investments CHF 550

Expenses 65% • Investments 9% • Extra 7%

Fixed CHF 2'890 (47%) • Travel CHF 310 • Una tantum CHF 415

Notes: A few lifestyle purchases pushed the month up.

Good: Investment contributions stayed consistent despite a few surprises.

Bad: Bought tech accessories outside the planned budget.

Actions: Create a sinking fund for gadgets and delay discretionary purchases by 72 hours.

Insights
  • Margin fell by CHF 265 versus the previous review.
  • Expenses took 3% more of income than last review.
  • Una tantum spending was elevated at CHF 415.

2026-01-31

CHF 1'890 margin

Income CHF 6'200 • Expenses CHF 3'810 • Investments CHF 500

Expenses 61% • Investments 8% • Extra 4%

Fixed CHF 2'850 (46%) • Travel CHF 280 • Una tantum CHF 420

Notes: Quiet month overall with good cost control.

Good: Stayed under travel budget and cleared one annual subscription early.

Bad: Restaurant spending spiked during a busy work month.

Actions: Cap dining-out at 250 next month and schedule a weekly meal prep block.

Insights
  • Una tantum spending was elevated at CHF 420.

Quarterly net review

2026-Q1

CHF-22'813 net worth

Review date 2026-03-29 • Total active CHF 40'315

Main CHF 495 • Emergency CHF 19'890 • Investments CHF 18'790 • Crypto CHF 1'140

Debts: CHF 63'128

Notes: Debts still dominate the picture, so liquidity and repayment strategy matter most.

Good: Net worth grew steadily while liabilities kept trending down.

Bad: Shared account spending was hard to separate between personal and common use.

Actions: Tag every shared transaction as me, other, or shared.

Insights
  • Net worth dropped by CHF 53'633 since the previous review.
  • Debts increased by CHF 44'528 and deserve attention next quarter.
  • Liquid buffer is still light relative to debt, so resilience remains the key constraint.

2025-Q4

CHF 30'820 net worth

Review date 2025-12-29 • Total active CHF 49'420

Main CHF 2'400 • Emergency CHF 17'850 • Investments CHF 27'850 • Crypto CHF 1'320

Debts: CHF 18'600

Notes: Cash buffer improved by year end.

Good: Finished the year with a stronger cash buffer.

Bad: No single place to compare investment contributions versus current value.

Actions: Track invested capital by account each quarter.

Insights
  • More capital is working in investments than sitting in cash, which is good if liquidity still feels safe.
Fixed costs

Monthly and yearly commitments

Keep a live list of recurring expenses so you can see the drag they create before variable spending even starts.

Monthly fixed totalCHF 1'828
Yearly fixed totalCHF 519
NameCategoryCadenceAmountActions
Investments

Capital in versus value now

Use each entry as an account snapshot: name it clearly, pick the account, add the new contribution, and record the current total value on that date.

Total investedCHF 32'150
Gain / lossCHF 2'380
NameAccountInvestedValueAs ofActions