Add your take-home pay or any income source. This is your baseline for the month.
Savings & Investments
⠿
$0
Account / FundActualGrowth
0 selected
Housing & Utilities
⠿
$0
ItemBudgetActual
0 selected
Checking Accounts
⠿
$0
AccountBeginningEnding
0 selected
Transportation
⠿
$0
ItemBudgetActual
0 selected
Debt
⠿
Credit score$0
AccountCurrentRemaining
0 selected
Food & Dining
⠿
$0
Where / WhatBudgetActual
0 selected
Health & Wellness
⠿
$0
ItemBudgetActual
0 selected
Subscriptions
⠿
$0
ServiceBudgetActual
0 selected
Gifts & Donations
⠿
$0
Recipient / CauseBudgetActual
0 selected
Miscellaneous
⠿
$0
ItemBudgetActual
0 selected
Notes
⠿
☑ Checklist⠿ drag to move
Monthly Summary
CategoryPlannedActual
Income (+)$0$0
Spent (−)$0$0
Balance$0$0
Net Worth Overview
CategoryGoalActual
Total Assets (+)$0
Total Liabilities (−)$0
Assets vs Liabilities—
Assets (what you own)
Liabilities (what you owe)
Net Worth$0
Month-over-Month
vs
⬆ Import Bank Statement
📄
Drop your CSV file here or tap to browse
Download your statement as CSV from your bank's website
Works with most major banks:
ChaseAmexBank of AmericaWells FargoCapital OneCiti+ more
Transactions
0 selected
✓
Description
Amount
Date
Category
Spending Calendar
Section
Total: $0
💬 Ask me
Getting started
Start with Income — add what you earn each month. Then fill in your fixed expenses like rent, subscriptions, and debt payments. Leave the Actual column blank until you've spent it. Jettana works best when you fill in budget amounts first, then track actuals as the month goes on.
Budget is what you plan to spend. Actual is what you actually spent. Fill in Budget at the start of the month as your target, then update Actual as you go. The section total and footer bars compare the two automatically.
Click + New Month in the sidebar. You can copy from a previous month to carry over your recurring rows, budgets, and colors — or start fresh. Rows marked as recurring always carry over automatically.
Yes — click + New Month and choose to copy from a previous month. It brings over all your rows, colors, recurring flags, budget overrides, and footer highlights. Actual values are not copied so you start fresh.
Card tracking & debt
Click any expense row (desktop) — or tap ≡ → 🎨 Color on the row (mobile) — to open the color toolbar. Go to the Number tab and pick your card's color. Then open ⋯ → Appearance → My Cards legend to build a color legend so you remember which color = which card. Any expense with that number color will automatically count toward that card's debt balance.
Open the note on any Debt row and tap the 🔗 Auto-calc dropdown. Link it to a card color from your legend. Jettana then sums all expense rows whose number color matches that card and fills in the Current balance automatically. When you mark an expense as paid ✓, the balance decreases.
Current is your total balance this month — what you charged to the card plus any carried-over balance. Remaining is what's still owed after payments. When you log a payment in the Payment template, Remaining updates automatically.
Set your Beginning balance in the first column. When you mark an expense as paid ✓ and that expense's number color matches your checking account's color, the Ending balance decreases automatically. You can also type in the Ending column directly to override it.
Templates
Click ≡ on any Income row → Add note, then select the Paycheck template. Enter your pay date, hours, rate, gross pay, taxes, and deductions. Net pay fills the Received column automatically.
The Growth column in Savings auto-calculates as the difference between this month's Actual and last month's Actual. You can also open the note on a savings row to use templates like Performance (enter account value + cost basis), Contribution, or Interest.
Hover the Total Savings amount (in the section footer) to see the split — 💰 Saved vs 📈 Invested, with each account, subtotals, and percentages. Jettana guesses from your account names, so "HYSA" counts as saved and "Roth IRA" as invested. If a guess is wrong, click the Total Savings label to pin the panel, then tap the account to flip it — Jettana remembers your correction. On mobile, tapping the label is how you open it.
Click ≡ on any Debt row → Add note → select Payment. Log the date, amount, type and interest charged. The Remaining balance updates automatically based on what you paid.
Click ≡ on any Subscriptions row → Add note → select Manage. Set a renewal date, cancel-by deadline, and status (Active / Cancel / Renew). The status shows in color below the entry as a reminder.
Rows & sections
On desktop, drag the row and drop it onto another section. To move multiple rows: open ⋯ → Select rows to move, select the rows you want, then drag any selected row or use the section dropdown in the bulk bar that appears.
Exempt behaves differently by section type. On expense rows, the Actual value is excluded from section totals — great for employer-paid benefits or stipends you want documented without affecting budget math. On Checking and Savings rows, the balance still counts in that section's own totals, but is excluded from Total Saved and Net Worth — useful for accounts you track but don't consider yours (a shared account, a business float). Either way the amount shows faded so you can tell at a glance, and an exempt badge appears (stepping aside for the note dot if the row has a note).
Click ≡ on the row → Delete row. You can also use ⋯ → Select rows to delete in the section header to select and delete multiple rows at once. Most deletions are undoable — tap Undo in the toast that appears.
Yes — double-click the section header on desktop, or long-press on mobile. You can save the rename for this month only or all months.
Yes — in any note (row notes or the Notes section), put your cursor on a bullet or checkbox line and press Tab to indent it. Shift+Tab outdents. Pressing Enter continues the list at the same indent level.
Long names fade out at the edge instead of colliding with the row's controls. On desktop, hover over the name to see the full text in a small popup. On mobile, tap once to peek at the full name — tap again to edit it.
Importing & exporting
Go to ⋯ → Import bank statement. Download your statement as a CSV from your bank's website, then drop it into the import panel. Transactions are auto-categorized. Review the table, adjust any categories, and tap Add to tracker.
In the review table, change the Category dropdown on any row individually. To fix multiple rows at once, check 2+ rows — a bulk bar appears letting you reassign all selected rows to a new category in one tap.
Click Export in the top bar. Choose Export CSV to download all months as a spreadsheet, Export PDF to print the current view, or Generate Report for a clean one-page monthly summary you can save as PDF.
Analytics
Open ⋯ → Spending Calendar. Days with spending are highlighted — tap any day to see a breakdown of transactions. Use the section filter to focus on one category, or search by transaction name. You can drag the calendar to compare it against your tracker rows.
Open ⋯ → Spending Trends. Each bar is one month's total spending, and the gold dashed line is your average — so you can instantly see which months ran high. Tap a bar and it splits into colored blocks showing what made up that month, with the full breakdown listed below. Tap ⭐ Peaks to flip the list to each category's highest month — tap any underlined month there to jump straight to those rows in your tracker. If anything looks unfamiliar, the ? button explains how to read it all.
Open ⋯ → Net worth trend. It draws a line chart of your net worth by month (checking + savings − debt). Pick a period with the 6M / YTD / 1Y / All chips, or choose any starting month from the From dropdown. Green dots mean your net worth rose that month; the summary below shows your total change for the period.
Open ⋯ → Growth projection. It starts from your current savings and your average monthly contribution so far, then shows how that could compound over 5, 10, 20, or 30 years — or any number of years you type into the custom chip. Every field is editable — change the starting amount, the monthly contribution, or the annual return (7% is a common long-term average) to try different what-ifs. You can also enter your age (optional) to see how old you'd be at the end of the projection — it's saved on your device only. The solid line is your projected balance and the dashed line is what you actually deposited; the space between them is growth. It only looks at savings — checking and debt aren't included, since they don't grow at a market rate. And it's a hypothetical illustration, not a guarantee — real returns move up and down year to year.
No results found. Try a different word.
📊 Spending Trends
Last 6 months of expenses · tap a bar for details
6MYTD1YAll
Bars — each bar is one month's total spending. Tap a bar and it splits into colored blocks, one per category, sized by its share — colors match the list below.
┄┄ gold dashes — your average monthly spend, so you can see which months ran above or below normal.
⭐ Peaks — flips the list below to each category's highest month. Tap the underlined month to jump straight to those rows. The last line shows what a month would cost if everything peaked at once.
📈 Net Worth Trend
6MYTD1YAllFrom
to🎂
🌱 Savings Growth Projection
5Y10Y20Y30YY
from this month
adjust to whatever feels realistic
a common long-term average
to see your age at the finish line
This is a hypothetical illustration, not a prediction or a guarantee. Real returns vary year to year and can be negative.
⇄ Compare months
·—vs
🛟 Local backups
Automatic copies kept on this device. They're saved before every sync, so they
survive even if something goes wrong with your account.
เจตนา
About Jettana
intention · purpose · will
เจตนา (jèt-thà-naa) is a Thai word meaning intention — the quiet resolve behind every action, even when the path ahead isn't clear.
It's also the word that reminds me of my beloved mama.
She was warm, selfless, and giving in the way only a mother can be — always putting everyone else first, always making a way even when there wasn't much to work with. She taught me to be intentional about everything I do, to be a good person first, and to trust that the rest would follow. She never had a lot, but she was always grateful. She taught me that contentment and ambition aren't opposites — it's okay to want more for yourself, as long as you build it with purpose.
Growing up, I saw firsthand how quietly money stress can affect a family. So in college, I made a decision: I wasn't going to let that be my story. I started taking my finances seriously — not because I had someone to teach me, but because I had to figure it out on my own.
Tracking my money is what changed everything — suddenly I could see exactly where it was going and make intentional decisions about it. It's what helped me save for my first trip abroad — an internship in Thailand, the country my mom carried with her long before I ever got to see it. Going there felt like her will becoming mine.
I built Jettana for anyone who feels the way I did — overwhelmed, unsure where to start, and never taught how any of this works. You don't need a finance degree. You don't need to be perfect. And you don't need to wait until you 'have more money' — I used to think that too. The best time to start is right now, with exactly what you have. You just need a place to begin.
This is that place.
— Maya 💚
0
Welcome to Jettana 👋
Your personal budget tracker. Add your income, track your expenses, and see exactly where your money goes.
🔒 Your data is private and syncs securely across all your devices.
💵
Start with your incomeHead to the Income section and add your take-home pay. That's your starting point.
🧾
Add your expensesFill in Housing, Food, Transport and other sections with your monthly costs — budget and actual.
📊
See your pictureThe summary at the top updates live — income, expenses, net balance and savings all in one view.
⋯
Explore when you're readyColor coding, card tracking, templates and more are all in ⋯ → Features whenever you want to go deeper.
🎨
Want to make it yours?
There's a quick optional tour covering intentions, month colors, emoji, and color themes — the fun personalization stuff.
Setup checklist
⠿ drag to move
Work through these steps to get the most out of Jettana.
💡 Want to see everything in action first? Tap ⋯ → Try demo to load a pre-filled example month.
💰 Saved vs Invested — hover the Total Savings amount to see your split: how much is parked in savings vs growing in investments, with each account, subtotals, and percentages. Jettana guesses from account names ("HYSA" → Saved, "Roth IRA" → Invested); click the "Total Savings" label to pin the panel, then tap any account to flip it — your correction is remembered.
✎ Rename sections — double-click (desktop) or long-press (mobile) any section header to rename it; choose "This month only" or "All months"
✓ Mark as paid — click ✓ on any expense row to strike it through; if a card link is set, the debt Current updates and the linked checking/savings account balance decreases
◎ Mark as exempt — row menu → Mark as exempt; shown faded with an exempt badge (badge hides if the row has a note). Expense rows: excluded from section totals — great for stipends or employer-paid expenses. Checking/Savings rows: still counted in the section's own totals, but excluded from Total Saved and Net Worth.
📅 Date stamps — add planned and actual dates to any row via the date button that appears on hover
📅 Beginning balance date — open the note on any Checking row to set a beginning balance date; expenses dated before that date won't be deducted from the balance
✎ Row notes — click ≡ on any row → Add note; a gold dot appears on hover to indicate a note exists
👁 Full name peek — long row names fade at the edge; hover (desktop) or tap once (mobile) to see the full text, tap again to edit
→ Income destination — open the note on any income row to set a "→ goes to" label (e.g. Marcus Savings, HYSA)
🔄 Subscriptions — dedicated section for recurring services; included in expense totals and month-over-month comparison
📝 Notes — free-form notes per month with bullet points and checkable to-dos; syncs across devices
🎨 Footer highlight — click the Actual/Received total in any section footer to set a background and number color; supports copy, paste and clear
🎯 Net worth goal — click the Goal cell in the Net Worth Overview to set a target
💳 Credit score — type your score (300–850) in the pill on the Debt section header; each month keeps its own, with a ▲/▼ change vs the last month you logged one
Templates
🧾 Itemize (expenses) — open the note on any expense row → 🧾 Itemize; add an entry per item with its price (tax can be its own line). Perfect for orders that bundle several purchases into one charge — the row shows "Amazon $40", the note shows what the $40 was. The note totals your items so you can check it matches the Actual.
💵 Paycheck (Income) — open the note on any income row → Paycheck; enter pay date, hours, hourly rate, gross pay, taxes and deductions; net pay auto-fills the Received column. Gross pay is black, taxes red, deductions green for easy reading.
💳 Payment (Debt) — open the note on any debt row → Payment; log date paid, amount, type, interest charged and due date; remaining balance auto-fills the Remaining column
📈 Performance (Savings) — open the note on any savings row → Performance; enter account value and cost basis; market gain/loss and cumulative return % are auto-calculated and fill the Actual and Growth columns
💰 Contribution (Savings) — log your contribution and employer match; total auto-fills the Growth column
🔁 Transfer (Savings) — log deposits, withdrawals and transfers with direction, from and to fields
💹 Investment (Savings) — log fund/ticker, shares and price per share; total value auto-fills the Growth column
🏦 Interest (Savings) — log interest earned, APY % and date; amount auto-fills the Growth column
💵 Dividend (Savings) — log dividend payouts with an optional ticker/fund and date; totals show in the note alongside your other entries
⛽ Fuel (Transportation) — log price per gallon, gallons filled and date; total cost auto-fills the Actual column. Add miles driven to see your MPG.
📅 Manage (Subscriptions) — set a renewal date, cancel-by deadline and status (Active / Cancel / Renew); status shows in color below the entry
🏦 Transaction (Checking) — log deposits and withdrawals with description and date; net change auto-fills the Ending column. Supports Venmo, Zelle, Direct Deposit, Rent and more.
⚠ Manual values protected — templates never overwrite a value you typed manually unless you've actively filled in the template fields. Opening a template or switching pills won't clear anything.
Colors & Card Tracking
🎨 Color toolbar — click any row (desktop) or tap ≡ on the row → 🎨 Color (mobile) to open a floating toolbar; switch between Text, Number and Strikethrough tabs
● Text color — colors the row label; great for visual grouping
＃ Number color — colors the actual/received amount; used to identify which card an expense was charged to
A̶ Strikethrough color — sets the line-through color when a row is marked paid; used to identify which account paid the expense
🃏 My Cards legend — ⋯ → Appearance → My Cards legend to build a color key for your credit/debit cards; assign a color to each card name
🔗 Auto-calc debt from card color — open the note on any Debt row; the 🔗 Auto-calc from card dropdown links it to a legend card. Jettana then sums all expense rows whose number color matches that card and auto-fills the Current balance.
✓ Strike = payment flow — when you mark an expense as paid, the linked card's Current decreases automatically (the charge is settled). The strike color also identifies which savings or checking account the money came from — that account's balance decreases too.
⎘ Copy / paste color — open the color toolbar → Copy to copy any color; click ≡ on a row → Paste color to apply it as any type
✕ Clear all colors — click ≡ on a row → Clear all colors to reset text, number and strikethrough at once
● Sticky row colors — coloring a row sets that color as the default for the next new row automatically
Rows
≡ Row menu — click ≡ on desktop or long-press on mobile to access all row options
⟳ Recurring rows — row menu → Mark as recurring; row carries over automatically when copying a month, including its colors
◎ Exempt rows — row menu → Mark as exempt; value is visible for documentation but excluded from totals
⧉ Duplicate — row menu → Duplicate row copies the row and all its colors
⠿ Drag to reorder — hover a row to reveal the ⠿ handle; drag on desktop, long-press on mobile
↔ Move to another section — drag a row and drop it onto a different section to move it. To move multiple rows: ⋯ → Select rows to move, select your rows, then drag any selected row or use the section dropdown in the bulk bar.
↕ Expand notes — the ↕ button in the note actions bar expands a row note to full height; the global Notes section has the same button
⇥ Indent bullets — on a bullet or checkbox line in any note, Tab indents and Shift+Tab outdents; Enter continues the list at the same level
✨ Autocomplete — start typing a label to see suggestions from your history; selecting one prefills all 3 colors
⌨ Enter key — pressing Enter in any cell moves down to the same column in the next row; on the last row it creates a new row automatically
🧮 Expression calculator — type a math expression in any number cell (e.g. 50+25+30 or 1500-200-50) and it auto-calculates when you tab or click away
🗑 Delete / clear rows — hover any section header to reveal 🗑; click to: select rows to delete, clear all rows, clear the Budget column, clear the Actual column, or copy the section from another month
⎘ Copy section from another month — 🗑 → Copy from another month; choose to append or replace existing rows
↩ Undo — most actions are undoable: deleting rows, clearing sections, editing a cell value, marking paid, filling template fields, removing entries, and copying sections. An UNDO button appears in the toast — click it within 5 seconds to reverse.
Months
📋 Copy month — click + New Month to copy from a previous month; carries rows, colors, recurring items, budget overrides and footer highlights
✎ Rename month — hover a month in the sidebar → ✎ to change its month or year; all data moves with it
🔖 Last month restore — when you return to the app, it reopens the last month you were viewing
📊 Month-over-month — scroll to the bottom to compare spending vs any month you choose from the dropdown
🔍 Search — search across all rows in the current month by label, amount or date; the page scrolls automatically to the first match
✕ Clear month — ⋯ → Clear month to wipe all rows for the current month
▶ Try demo — ⋯ → Try demo to load a pre-filled sample month showing card tracking, templates and color coding in action
✅ Setup checklist — ⋯ → Learn → Setup checklist for a guided 9-step walkthrough of Jettana's key features
Personalisation
☁️ Sync across devices — your data saves automatically to the cloud; sign in on any device to access your budget
↩ Sign out / Delete account — ⋯ → Sign out or Delete account to manage your account
✦ Monthly intention — click "Add intention" at the top to write a quote or goal; pick a color, font (10 options) and size, and use B / H to bold or highlight words
🎨 Color themes — ⋯ → Appearance: Classic, Minimal, Monochrome, Warm, or a fully custom color
𝐁 Bold text — ⋯ → Appearance → Bold text: On/Off
𝗔 Text size — ⋯ → Appearance → S / M / L; scales all row labels, headers, footers and summary tables
🌙 Dark mode — toggle with the 🌙 button in the top bar
● Sticky row colors — when you color a row's text or numbers, that color becomes the default for the next new row automatically. Change it anytime by picking a different color
Layout
✎ Rename sections — double-click (desktop) or long-press (mobile) any section header; save for this month only or all months
⠿ Reorder sections — hover any section header to reveal ⠿; drag on desktop, long-press on mobile
▾ Collapse sections — click ▾ on any section header to hide its rows; click again to expand. Collapsed headers show the section's $ total (and its % of budget), so you can collapse everything and read your whole month at a glance.
Import
⬆ Import CSV — ⋯ → Import bank statement; drop a CSV file and transactions are auto-categorized using AI
✎ Review before importing — edit categories, dates and amounts in the review table before adding rows to the tracker
☑ Bulk reassign categories — check 2+ rows in the review table to reveal a bulk action bar; pick a category and tap Apply to reassign all selected rows at once
↔ Fix wrong category — drag any row in the review table to the correct section before confirming
Analytics
📅 Spending Calendar — ⋯ → Spending Calendar; see daily spending laid out on a calendar grid with weekly totals. Filter by section, search by transaction name, and tap any day for a breakdown. Drag to reposition over the tracker.
📊 Spending Trends — ⋯ → Spending Trends; bar chart of your last 6 months with a dashed gold line marking your average monthly spend. Tap any bar and it splits into colored blocks — one per category, sized by its share — with a full breakdown below. Tap ⭐ Peaks for each category's highest month (with its monthly average, or "one-time" for one-offs) — tap the month name to jump straight to those rows, and the last line shows your worst-case month if everything peaked at once. Tap ? for a quick guide to reading the chart. Drag to reposition.
📈 Net Worth Trend — ⋯ → Net worth trend; a line chart of your net worth (checking + savings − debt) by month. Pick 6M, YTD, 1Y, All, or a custom start month. The summary shows your growth, how far apart the months are, and — optionally — your age across the range. Drag to reposition.
🎂 Age on your trend — enter your birth month + year in the Net Worth Trend (optional) to see "age 23 → 25" alongside your growth. Month and year only — Jettana never asks for your full birthdate. Clear the field anytime to remove it.
🌱 Growth Projection — ⋯ → Growth projection; a hypothetical compound-growth view seeded from your current savings and average monthly contribution. Adjust the amount, contribution, or return rate; pick 5Y / 10Y / 20Y / 30Y, or type any number of years (1–60) in the custom chip. Drag to reposition.
⇄ Compare months — ⋯ → Compare months; any section line-by-line against a baseline month, with color-coded changes and how far apart the two months are (e.g. "2 years, 6 months apart"). The left column follows the month you're viewing. Drag to reposition.
📈 Month-over-Month card — on your dashboard below the sections; compares this month's totals per category against any previous month (pick one from the dropdown). Green means moving the right way for that category — income up is good, spending up isn't. A category you cut to zero shows as a 100% win, and renamed sections show your names.
Export
⬇ Export PDF — Export → Export PDF (or Ctrl+P) to print a formatted copy of your current month
⬇ Export CSV — Export → Export CSV to download all months as a spreadsheet; uses your custom section names and includes per-section column headers
📄 Generate Report — Export → Generate Report for a clean one-page monthly summary: income vs expenses, budget vs actual bars per section, and auto-generated insights. Drag to reposition, then Print / Save as PDF.