Quick Start
1
Set up bank accounts and initial balances in Cash Tracker
- Add your bank accounts (chequing, savings, crypto, retirement cash accounts) and the respective initial balances as-of the day you want to start tracking.
- You can set week-ending preference for weekly view, but the default weekday is based on today.
2
Set expected recurring revenue and expenses in Cash Tracker
- Add salary, rent/mortgage, daycare, insurance, subscriptions, etc., and choose recurring frequency specific to your situation. For example, repeat every X day/week/month/year with start date, amount, and end conditions.
- Edit, skip, or override any future recurring instances to reflect what will actually happen.
- Add one-off transactions and transfers to complete the financial picture.
3
Check your forecast 30–180 days ahead in Cash Tracker (and beyond if needed)
- Use Quick Select to see the current Month, next 3 Months, next 6 Months, or next 1 Year—or set a custom range.
- Toggle Weekly, Monthly, Quarterly, or Yearly views to see cash timing and compare balances between periods.
4
Check your Net Worth in Networth Tracker
- Cash balances from Cash Tracker flow in automatically and are not editable in Networth Tracker.
- Add other assets (RRSP, TFSA, crypto, real estate, other investments) and liabilities (mortgage, HELOC, other loans).
- Use the Log to track dated changes and keep a clean history.
5
Set monthly budgets, upload card CSV, and auto-categorize in Budget & Spending
- Click Upload and select a CSV credit card statement file from your bank or card provider.
- Sonnet Money auto-categorizes and groups merchants into pre-defined categories. You can reassign any transaction to another category or a new one you create.
- Set a monthly budget per category—it automatically tracks uploaded card transactions against the budget so you can see remaining vs. spent. Delete payment lines (e.g., credit card payments) if they skew analysis.
- Add off-card spending manually and track it alongside.
- Use dynamic charts to analyze spending by category and merchant for both big-picture and detailed views.
6
Visualize your financial overview and trends in Dashboard
- Gain instant visibility into your total cash, monthly revenue and expenses, and monthly net cash flow.
- Explore the cash flow forecast with a dynamic visualization.
- Illustrate the complete flow of your expenses out of your bank accounts.
Simple On-going Maintenance
1
Reconcile real balances weekly (stay mindful, stay accurate)
- Pick a dedicated day in a week to spend ~10 minutes scanning the forecast and tweaking any upcoming items.
- Log in to your bank and copy actual balances to reconcile ending balances in Cash Tracker.
- See how your net worth is trending based on current cash balances.
2
Analyze your past month spending monthly
- Spend ~5 minutes to upload the new credit card CSV and analyze last month’s habits; make adjustments for the upcoming months.
- Update non‑liquid assets and liabilities to current values to understand overall net worth trends.