See your whole year, one calm screen at a time.
Most budgeting apps keep two things apart: your fixed plan (salary and regular expenses) and what you really spent. Oricalo puts them together into a month-by-month view, so you always know how much you will save and where your balance is going. Here is the whole idea, screen by screen.
Everything below is the real Oricalo app, running live on sample data - click around, it works.
Your whole month, the moment you open it
The Overview is your home screen. It answers the everyday question first: how much is left to spend this month. Around that you get your main numbers, how your balance is moving with an estimate for the end of the year, your biggest categories and your latest entries. One calm screen, the whole picture.
What the Overview pulls together
- Left to spend - your monthly budgets minus what you've spent, with a dashed pace marker for how far through the month you are.
- This month at a glance - income, spending and savings, each compared to last month.
- Running balance - the solid line is real; the dashed line projects your year-end balance at your current pace.
- Top categories & latest entries - where the money went, and what you logged most recently.
- Savings pots & debts - how your pots are filling up and your debts counting down, at a glance.
The cashflow projection
Oricalo takes your repeating income and expenses, such as salary, rent and subscriptions, and spreads them across the whole year. It adds them up each month and carries what is left into your balance so far this year. Watch that balance grow across the example year below.
| Line | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | |||||||||||||
| ⠿Salary | - | - | - | - | - | - | - | - | €2,500.00 | €2,500.00 | €2,500.00 | €2,500.00 | €10,000.00 |
| Daily entries | €2,500.00 | €2,900.00 | €2,500.00 | €3,100.00 | €2,500.00 | €3,000.00 | €2,800.00 | €2,500.00 | €450.00 | €0.00 | €0.00 | €0.00 | €22,250.00 |
| Total income | €2,500.00 | €2,900.00 | €2,500.00 | €3,100.00 | €2,500.00 | €3,000.00 | €2,800.00 | €2,500.00 | €2,950.00 | €2,500.00 | €2,500.00 | €2,500.00 | €32,250.00 |
| Expenses | |||||||||||||
| ⠿Rent | - | - | - | - | - | - | - | - | - | €850.00 | €850.00 | €850.00 | €2,550.00 |
| ⠿Netflix | - | - | - | - | - | - | - | - | €13.00 | €13.00 | €13.00 | €13.00 | €52.00 |
| ⠿Gym | - | - | - | - | - | - | - | - | - | €30.00 | €30.00 | €30.00 | €90.00 |
| Daily entries | €1,619.00 | €1,670.00 | €1,638.00 | €1,677.00 | €1,712.00 | €1,748.00 | €1,709.00 | €1,696.00 | €1,237.83 | €0.00 | €0.00 | €0.00 | €14,706.83 |
| Total expenses | €1,619.00 | €1,670.00 | €1,638.00 | €1,677.00 | €1,712.00 | €1,748.00 | €1,709.00 | €1,696.00 | €1,250.83 | €893.00 | €893.00 | €893.00 | €17,398.83 |
| Month savings | €881.00 | €1,230.00 | €862.00 | €1,423.00 | €788.00 | €1,252.00 | €1,091.00 | €804.00 | €1,699.17 | €1,607.00 | €1,607.00 | €1,607.00 | €14,851.17 |
| Year to Date Balance | €10,381.00 | €11,611.00 | €12,473.00 | €13,896.00 | €14,684.00 | €15,936.00 | €17,027.00 | €17,831.00 | €19,530.17 | €21,137.17 | €22,744.17 | €24,351.17 | €24,351.17 |
- Monthly savings
- Running balance
How the projection adds up
- Projected from your recurring rules - each ↻ row is a repeating income or expense from the Recurring tab, spread across the months it falls due.
- Total income = your recurring income (Salary + Freelance), projected month by month.
- Total expenses = your recurring expenses (Rent, Utilities, Insurance).
- The summary cards total your income, expenses and net savings; the chart below traces your running balance to its projected year-end figure. Per-category budget tracking lives on its own Budget tab (step 4).
- Month savings = total income − total expenses.
- Year-to-date balance = last month's balance + this month's savings.
Log daily spending in seconds
Press the + Add entry button, fill in the amount and category, and it appears below, grouped by day. Oricalo adds up each month and feeds the daily rows of your year view automatically, so your plan and what really happened stay in one place.
| Date | Category | Amount | Note | ||
|---|---|---|---|---|---|
Sun, Sep 27 | |||||
| ↻ | 27 Sep | Salary | +€2,500.00 | Upcoming | |
Sat, Sep 19 | |||||
| ↻ | 19 Sep | Netflix | −€13.00 | Upcoming | |
Today | |||||
| 14 Sep | Freelance | +€450.00 | - | ||
| Account: Everyday | |||||
Sat, Sep 12 | |||||
| 12 Sep | Groceries | −€103.50 | - | ||
| Account: Everyday | |||||
Tue, Sep 8 | |||||
| 08 Sep | Dining out | −€96.33 | - | ||
| Account: Everyday | |||||
Sat, Sep 5 | |||||
| 05 Sep | Groceries | −€103.50 | - | ||
| Account: Everyday | |||||
Fri, Sep 4 | |||||
| 04 Sep | Transport | −€54.50 | - | ||
| Account: Everyday | |||||
Thu, Sep 3 | |||||
| ↻ | 03 Sep | Rent | −€850.00 | - | |
| Account: Everyday | |||||
Tue, Sep 1 | |||||
| ↻ | 01 Sep | Gym | −€30.00 | - | |
| Account: Everyday | |||||
Set expenses and income to repeat
Add your salary, rent and subscriptions once. Oricalo enters each one on the right date, so your day-to-day list and your year view stay complete without typing them again.
Changing a repeating line affects future entries only. Entries already added, and any you marked paid, stay as they are.
How recurring works
- Choose a schedule - daily, weekly, monthly (a date or “first Monday”) or yearly - with an optional end date.
- Income posts automatically; expenses land as pending so you can mark them paid.
- Get a reminder before each expense is due - by bell, email or push - with overdue ones flagged.
See exactly where your money goes
Every entry is added up by category and by month. The grid shows the whole year with a small trend line for each category, and the bars below put your biggest spending at the top.
| Category | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dining out | €232.00 | €258.00 | €251.00 | €263.00 | €281.00 | €318.00 | €299.00 | €271.00 | €96.33 | - | - | - | €2,269.33 | |
| Groceries | €382.00 | €401.00 | €388.00 | €402.00 | €410.00 | €421.00 | €396.00 | €408.00 | €207.00 | - | - | - | €3,415.00 | |
| Gym | €30.00 | €30.00 | €30.00 | €30.00 | €30.00 | €30.00 | €30.00 | €30.00 | €30.00 | - | - | - | €270.00 | |
| Netflix | €13.00 | €13.00 | €13.00 | €13.00 | €13.00 | €13.00 | €13.00 | €13.00 | - | - | - | - | €104.00 | |
| Rent | €850.00 | €850.00 | €850.00 | €850.00 | €850.00 | €850.00 | €850.00 | €850.00 | €850.00 | - | - | - | €7,650.00 | |
| Transport | €112.00 | €118.00 | €106.00 | €119.00 | €128.00 | €116.00 | €121.00 | €124.00 | €54.50 | - | - | - | €998.50 | |
| Total | €1,619.00 | €1,670.00 | €1,638.00 | €1,677.00 | €1,712.00 | €1,748.00 | €1,709.00 | €1,696.00 | €1,237.83 | €0.00 | €0.00 | €0.00 | €14,706.83 |
Set a budget and stay on track
Give each category a budget for the month. Type it once and drag it across the other months. Every box shows spent out of budget. It turns amber as you get close to the limit and red once you go over. A dashed line shows how far through the month you are, so you can tell whether you are spending too fast.
| Category | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Available for budget | €12,000.00 | €13,281.00 | €14,111.00 | €15,573.00 | €16,396.00 | €17,684.00 | €18,736.00 | €19,527.00 | €17,691.00 | €18,940.17 | €20,547.17 | €22,154.17 | - |
| Rent | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €850.00 / €850.00 | €0.00 / €850.00 | €0.00 / €850.00 | €0.00 / €850.00 | |
| Groceries | €382.00 / €420.00 | €401.00 / €420.00 | €388.00 / €420.00 | €402.00 / €420.00 | €410.00 / €420.00 | €421.00 / €420.00 | €396.00 / €420.00 | €408.00 / €420.00 | €207.00 / €420.00 | €0.00 / €420.00 | €0.00 / €420.00 | €0.00 / €420.00 | |
| Dining out | €232.00 / €300.00 | €258.00 / €300.00 | €251.00 / €300.00 | €263.00 / €300.00 | €281.00 / €300.00 | €318.00 / €300.00 | €299.00 / €300.00 | €271.00 / €300.00 | €96.33 / €300.00 | €0.00 / €300.00 | €0.00 / €300.00 | €0.00 / €300.00 | |
| Transport | €112.00 / €130.00 | €118.00 / €130.00 | €106.00 / €130.00 | €119.00 / €130.00 | €128.00 / €130.00 | €116.00 / €130.00 | €121.00 / €130.00 | €124.00 / €130.00 | €54.50 / €130.00 | €0.00 / €130.00 | €0.00 / €130.00 | €0.00 / €130.00 | |
| Netflix | €13.00 / €15.00 | €13.00 / €15.00 | €13.00 / €15.00 | €13.00 / €15.00 | €13.00 / €15.00 | €13.00 / €15.00 | €13.00 / €15.00 | €13.00 / €15.00 | €0.00 / €15.00 | €0.00 / €15.00 | €0.00 / €15.00 | €0.00 / €15.00 | |
| Gym | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €30.00 / €30.00 | €0.00 / €30.00 | €0.00 / €30.00 | €0.00 / €30.00 | |
| Total | €1,619.00 / €1,745.00 | €1,670.00 / €1,745.00 | €1,638.00 / €1,745.00 | €1,677.00 / €1,745.00 | €1,712.00 / €1,745.00 | €1,748.00 / €1,745.00 | €1,709.00 / €1,745.00 | €1,696.00 / €1,745.00 | €1,237.83 / €1,745.00 | €0.00 / €1,745.00 | €0.00 / €1,745.00 | €0.00 / €1,745.00 | €14,706.83 / €20,940.00 |
How budgets work
- Set a monthly target per category - drag one value across every month in a click.
- Each cell shows spent / budget and tints amber as you approach the limit, red once you pass it.
- The Year column shows a progress bar with how much is left (or over).
- The summary bar's dashed pace marker shows how far through the period you are - so you can tell at a glance whether you're ahead of or behind plan.
Know what's in each account
Give every entry a home - wallet, bank, card - so each account carries its own real balance that rises and falls as money moves.
Accounts
Track where your money sits - every entry moves the account it's booked to. · Total across accounts: €17,043.17
How accounts work
- Each daily entry and recurring rule is booked to an account - income adds to it, expenses subtract.
- An account's balance is its opening balance plus every entry, so a card shows exactly what's there right now.
- Transfer money between accounts - it moves the balances without touching your income or expense totals.
Save into pots you can name
You can also split your savings into separate pots: a holiday, money for emergencies, a new laptop. Each one fills up on its own.
Savings pots
Split what you save into named pots and watch each one grow.
How pots work
- Give each pot a name, colour and target, then set money aside toward it whenever you like.
- Every top-up is dated, so each pot shows a growing balance and an estimated date you'll hit the target.
- Pots earmark part of your real balance - the totals always reconcile with your Overview.
Pay down debt, balance by balance
Keep every loan, card and mortgage in one place. Each one starts at what you owe and counts down to zero as you add payments.
Debts & loans
Track what you owe and watch each balance fall as you pay it down.
How debts work
- Add a debt with what's owed today, then log each payment - the balance drops and the bar fills as you clear it.
- Every debt shows how much is left, how much you've cleared, and an estimated payoff date at your current pace.
- Payments here just track the balance - log the money actually leaving your account as a daily entry so it only counts once.
Install it like a real app
Oricalo can be installed like an app, straight from your browser. Add it to your home screen or desktop and it opens in its own window, with no browser bars around it.
Why the PWA is handy
- One tap to install - straight from your browser, with no app store and no download.
- Its own window - it launches instantly and feels like a native app.
Made for your phone, too
Every screen works on a phone too. The layout rearranges itself into a clean view you can use with one thumb: the same numbers and the same tools, made for a small screen.
On a phone you get
- A layout that adapts - cards stack and tables become tidy, tappable lists.
- Quick entry - add income or spending in a couple of taps.
- Everything in sync - exactly the same data as on desktop, instantly.