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Start by modeling the few things that drive your real life: accounts, paydays, bills, and recurring expenses. Once those are in, the forecast becomes your “money map.”
Most people get a useful forecast in about 10 minutes.
No. Sonnet Money doesn’t require bank connections or bank login credentials. You enter your balances, recurring income/expenses, and one-time items that matter, and the forecast projects your future balances based on that model.
If you want faster setup for spending analysis, you can upload transactions via CSV (for example, exported statements).
Sonnet Money is optimized for desktop browsers. The app is accessible on mobile devices through your web browser, but the interface is designed for larger screens to display comprehensive financial tables and multi-year forecasts. We recommend using a desktop or laptop for the best experience.
We never ask for your bank login credentials. Your connection to Sonnet Money uses HTTPS, and your data is stored securely with access controls.
If you ever want a copy of your data, you can export it to CSV.
A Low Balance Alert is the per-account threshold (your cushion) you want to keep as a buffer. Set it per account, and your forecast shows when your projected balance stays above it (comfortable) or dips below it (risk).
If your forecasted balance stays comfortably above your reserved bills and expenses for the weeks ahead, and above your account’s Low Balance Alert, that gap is surplus. That’s the money you can move to savings or investing without increasing the risk of dipping below what you need for upcoming obligations.
Sonnet Money projects your future account balances based on the income and expenses you model (recurring and one-time). You can switch views depending on what you’re planning for.
Adding transactions is quick and easy:
For recurring transactions, toggle the "Recurring" option and set the frequency.
Recurring transactions are income or expenses that repeat on a regular schedule (daily, weekly, monthly, etc.). Examples include salary, rent, subscriptions, and loan payments. Once set up, these automatically appear in your cash flow projections, saving you time and ensuring accuracy.
Yes. You can track bank accounts, credit cards, and cash accounts. Each account tracks its own balance and transactions, and your dashboard can show a consolidated view.
Plan limits: Essential supports up to 5 accounts. Pro supports up to 25 accounts.
When adding or importing transactions, you can assign spending categories to see trends in the Spending Analyzer.
Plan limits: Essential supports up to 15 spending categories. Pro supports up to 35 spending categories.
The cash flow forecast projects your future account balances based on the recurring and one-time items you enter. It helps you see potential cash crunches before they happen so you can adjust timing, spending, or transfers early.
Add the dates and amounts (like car insurance or holiday gifts), and the planner projects how they affect your future balances. You can also use a Low Balance Alert (your cushion) per account to spot when those expenses would push you below your buffer months in advance.
No. Sonnet Money helps you understand when you can invest (timing and surplus) but not what to buy. You choose the strategy.
Traditional budgeting often looks backward at what you already spent. Sonnet Money is forward-looking: it helps you model timing (paydays, bills, irregular expenses) so you can see your future balances and avoid surprises.
Yes. You can model changes by adding one-time or recurring adjustments to your income and expenses. Pro also includes What‑If scenarios so you can compare different versions of the future side-by-side (up to 20 comparisons).
A Low Balance Alert is a day-to-day buffer you set per account to avoid running too close to $0. An emergency fund is separate money set aside for unexpected events. The Low Balance Alert helps you manage timing; the emergency fund covers true surprises.
Many people start with the amount their bank requires to waive monthly fees (often around $1,000). Increase it if you want a larger buffer or if your bills are more volatile.
Yes. By showing you when you have surplus while staying above upcoming obligations and your Low Balance Alert, you can make extra payments without accidentally leaving yourself short.
Yes, you can edit or delete any transaction. Simply find the transaction in your list, click the edit icon to modify it, or click the delete icon to remove it. Changes are reflected immediately in your cash flow and reports.
Yes. Select multiple cells in your cash flow tracker and a running total appears automatically. This is useful when you want to add up specific transactions or time periods without opening a calculator or Excel.
Your net worth is calculated as total assets minus total liabilities. To track it:
Include all valuable assets you own:
We recommend updating asset values monthly for the most accurate picture. Bank accounts update automatically as you add transactions. For investments and property, update values monthly or quarterly. Vehicle values can be updated annually unless there are significant changes.
To add a liability:
Net worth projection allows you to project your asset and liability values going forward to visualize your future wealth. Your cash assets are automatically synced with your cash flow projections, ensuring your forecast reflects your latest cash planning.
Yes! You can track investment accounts and update their current values. When you update an investment account's balance, you can see how your investments contribute to your overall net worth growth over time. While the app doesn't automatically calculate real-time gains/losses or connect to brokerage accounts, it provides a clear view of how your investment values change and impact your total financial picture.
Sonnet Money offers two simple plans (CAD):
See full details on the Pricing page.
Yes, you can cancel your subscription at any time with no penalties. If you cancel, you'll continue to have access until the end of your current billing period. Your data remains available if you decide to resubscribe later.
Go to Settings and look for password/security options. If you’re signed in and can’t find it, contact support and we’ll help.
Yes. You can export your data at any time to excel so your data stays portable.
You can export your forecasting and budgeting data with live formulas in Excel for your own further analysis or record keeping.
If you wish to delete your account:
Please note that account deletion is permanent and cannot be undone. We recommend exporting your data first.
We accept all major credit and debit cards (Visa, Mastercard, American Express, Discover) through our secure payment processor. All payment information is encrypted and we never store your card details on our servers.
A referral program is coming soon! We're working on building a rewards system for our community. Stay tuned for our updates.