How to use TimeIsMoney well

Your runway as a countdown, and the one number that matters most: how long your cash lasts at your current spending.

• –Tap Update balance when you have spent without logging. The difference is kept as an unaccounted amount, so the runway is right today.
• –Use the microphone to talk to your money.
• –Gained and lost days show what this month did to your runway.

Every move that came in or went out.

• –Tap + for money in and − for money out. Add a category, a note, a place, or a foreign currency.
• –Paste a bank text or scan a receipt to fill the form for you; you check it before it saves.
• –Unaccounted amounts show highlighted. Open one to explain it in pieces, or count a later move toward it.
• –Backdate freely: past history is yours to enter.

Bills that repeat, with the next date each is due.

• –Pay a bill from here and it logs the move and moves the date on.
• –If you already logged the payment, check it off instead so nothing counts twice.
• –Skip a bill you no longer have; it stops counting toward your burn.

Money promised but not yet received, once or on repeat.

• –It never counts in your headline runway until it lands, so a late client cannot flatter your clock.
• –When it arrives, confirm it and it becomes a real move. If only part arrived, record that part: it counts as cash now and the rest stays expected. If it does not come, mark it missed.

Credit cards with their own limit, or secured by a fixed deposit, with charges, payments and EMI.

• –Add a card, then add its charges. Choose EMI to see every installment with its due date and interest.
• –Tick already accounted for when the money has already left your balance, so cash is not deducted twice.
• –Installments feed your monthly burn, so the runway sees them coming.

Money locked in a fixed deposit: yours, but not spendable until it matures.

• –Adding one moves its principal out of spendable cash. Tick already counted in my balance if it had already left.
• –Close and release it at maturity and the payout comes back as cash. You can edit or delete it any time.

Money you set aside and mean to leave alone: an emergency fund, gold, cash in a tin, a fixed amount in the bank.

• –Say what each saving is for and where it is kept. Add to it or take from it, and choose whether the same amount moves in or out of your cash.
• –Savings never count in your live runway, which is about cash you can spend. In What-if you can pick one and see the runway if you dipped into it.

What you owe: a loan, money borrowed from family, an unpaid bill.

• –What you still owe comes off your cash when your runway is worked out. If you owe more than you have, the clock rests at zero and money coming in pays the gap down first.
• –Pay it down, borrow more, add interest, and choose whether the same amount moves in or out of your cash. Tick “already in my monthly costs” for a debt you pay through a fixed cost or EMI, so it is not taken twice.

Money one person owes another, outside your usual books.

• –Record what you owe or are owed, settle it when it is paid, and it posts the move for you.

Something you are saving toward, or a safety net of months of costs.

• –Each goal shows the monthly amount it needs and what it equals in days of runway.
• –Add money toward it as you set it aside; that records progress without moving cash.

Try a decision before you make it and see its effect on your runway.

• –Cut a cost, add a purchase, release a deposit, count expected income. Pin the ones you want to keep.

Bills, expected income, installments and public holidays by day.

• –Look ahead before a heavy week. Pay a due bill straight from here.

Medicines for you or someone you care for, with reminders, doses and cost.

• –Add a person, then their medicines: times of day, empty stomach, how often, and what a tablet or bottle costs.
• –Choose how long before each dose you want a reminder, in the app and by email.
• –See when a supply runs out, log refills, and see the monthly cost per person. This is a reminder and cost tool, not medical advice.

For teams and companies: separate books, project seats, invoices and statements.

• –Unpaid invoices become money you are owed and flow into your runway. Each project is its own book.