What you can still spend, which bill is not earning its place, and cheaper plans for the subscriptions you keep.

Salary and other income, plus invoices and loans due back to you — with the date they should arrive.

Everyday spend and household bills, separated from borrowing.

What's safe this month, and today — measured against where the month actually is.

Which balance to hit, what interest is costing, and what extra each month actually buys you.

Cards, loans and overdrafts on one line. Subscriptions live under Spend.

A teaching model built from your ledgers — not Experian, Equifax or TransUnion.

A debt-free date from the numbers you entered, and the advice line for your country.

A buffer, a deposit, a car — each projected from the surplus it actually gets.

Shares, funds, savings, a pension. Entered by hand; Credolay never connects to an investment account.

Value against the mortgage on it, so equity is the number you see.

What you own minus what you owe, and a short read on what's moving.

A question in your own words, answered from the ledgers you entered.

Grouped by how soon each is realistic — starting with this week.

Badges for things that actually happened, and a streak that keeps your best.

Credit, interest, risk and budgeting, explained once and plainly.

A credit agreement, a finance deal, a contract — the ones signed at a counter.

Early exit fees, balloon payments, the clauses that cost you later.

What the agreement adds up to over its full term, not per month.

Each one stays readable, so you can check it again before you act.