Open Settings (sidebar, below the divider) for profile photo, display name, currency, month ledger cleanup (Delete month data per bucket), sidebar visibility, Excel download from the panel header, full wallet JSON backup, Restore from backup, and Delete profile (remove the Drive app-data file).

• Sidebar tabs: Checkboxes show or hide Accounts, Expenses, Incomes, Transfers, Subscriptions, Categories, Notes & Trackers, and Monthly summary. At least one stays on. When signed in, choices save automatically to Drive. Hidden routes bounce to Dashboard if you had one open.
• Always visible: Dashboard, Settings, Instructions, Terms of Use, Privacy policy, and Contact.
• Guest demo: Without Google sign-in, profile photo picks, monthly purge buttons, per-page Download CSV, JSON backup/restore, Delete profile, and header Download all (Excel) stay disabled - you can still browse. Sign in when you’re ready for Drive-backed changes.

View month drives most tables and charts. The Dashboard summarizes expenses, income, and net cash flow and surfaces hints (e.g. category over budget, income vs expected).

• Account activity: one card per account with icon, month change chip, and a bar from opening → estimated month-end. Use Sort by to reorder.
• Transfers, subscriptions, and recurring income use the same share bars as expense categories: each account’s slice of the month total, with amount and item count below.
• Transfers this month: use Group by to chart volume sent from or received by each account.
• Recurring expense by account: subscription and installment cost for the month, totaled per charged account (monthly equivalent), not one row per service.
• Expense and income breakdowns can show budget / “expected” bars when you set those on Categories.

Read-only archive (Premium tab when billing is on): one collapsible block per calendar month, using that month’s opening balances and ledger rows. Use Expand all / Collapse all in the panel header if you want every section at once.

• Columns mirror the recap and the Dashboard account export: opening, income, expenses, transfers in/out, Month net, Subs equiv /mo, Recurring in equiv /mo.
• Net after recurring & subs adds recurring income and subtracts subscription load from month net; End balance is opening plus ledger month net plus recurring income equiv (subscriptions are not subtracted).
• Download CSV exports every month in one file (section per month). Requires Google sign-in; on hosted billing, Premium may also apply (see Plans).

Accounts are real-world places money lives: checking, savings, credit card, etc.

• Add each with an opening balance (or zero) so running balances stay meaningful.
• Optional Type on the table maps to the Account type column in CSV export/import (purely for your organization).
• Optional limit (e.g. credit line). Active is controlled in the add/edit form; inactive accounts stay listed here but leave pickers and the dashboard.
• Expenses, incomes, and transfers always reference one or two accounts.
• An on-page note can flag accounts whose month change is negative for the selected month.

Set up expense categories and income sources before you log heavily; they power pickers, dashboards, and imports.

• Optional monthly budget on a category feeds dashboard / bar views.
• Optional expected monthly on an income source compares plan vs actual.
• CSV export/import includes an optional Icon column (emoji) on both expense categories and income sources.

Money leaving an account: amount, date, category, account paid from, optional title and note. Rows land in the month of their date.

• Group by above the table: flat list, by Account, or by Category (saved on this device).

Money arriving: amount, date, receiving account, source, and an optional title and note. For salary, refunds, interest, and similar inflows.

• Group by: flat list, by Account, or by Income source (same preference pattern as expenses).

Move money between two accounts (e.g. checking → savings) without counting as expense or income. Pick two different accounts and an amount for the month you care about.

Recurring charges: service name, billing frequency, amount per period, charged account (required), status, and either dates or installment counts. Separate from one-off expenses, but feed dashboard “recurring expense.”

• Ongoing (no fixed end): when checked, end date and installments-remaining stay off; use for rent-style bills without an end. Otherwise use start/end dates or installments + start.
• Group by on the table toolbar: None (flat), Account (charged account), or Billing. Your choice is remembered on this device.
• Status chips: Active, Paused, Completed. Active and paused stay in the main table; completed sits in a collapsible section below.
• Validation lists every problem in one dialog if several fields disagree.
• Download CSV (view month in the top bar) includes As of month, installment counts, Paid amount, Left to pay, and stored Status. Re-import recognizes those columns (amounts can back-fill installment counts when counts are blank).

Scheduled deposits (salary, rent received, retainers): plan name, billing frequency, amount per period, deposit account (required), optional income source, status, and either dates or installment counts. Separate from one-off income ledger rows - log actual deposits on the Incomes tab; this tab is forecast and schedule only.

• Ongoing (no fixed end) works like Subscriptions for open-ended plans.
• Group by: None, Account, Billing, or Income source. Cards or table layout - both remembered on this device.
• Dashboard shows Expected Recurring Income by Account; Monthly summary adds Recurring in equiv /mo and updates Net after recurring & subs.
• Download CSV and import via filenames containing recurring and income.

Notes, checklists, rich notes, and spreadsheet-style tracker tables outside the core ledger (solar totals, FD trackers, payoff plans, project notes). Data lives in your wallet file.

Import tracker CSVs via Settings → Import CSV (sign in with Google): filenames with tracker, note, or notes. Header row + data; up to 20 columns. Each file adds one table card.

• Use Topics to group cards. Open the Topics dashboard to assign cards and filter the grid.
• Add note creates a rich card; Add table builds a grid you can paste into from Excel or Sheets in edit mode.
• Use Manage visibility or the hide icon so items disappear from this tab without losing data - they remain in your wallet and in Notes & Trackers → Download CSV.
• Edit unlocks fields; paste from Excel or Sheets into table cells in edit mode.
• Drag ⠿ to reorder; collapse headers; Delete confirms.

Hide the nav item under Settings → Sidebar tabs if you don’t need it.

Import CSV is a card on the Settings page. After you sign in with Google, choose files and Upload & save: merges into this device’s wallet, summarizes each file, and saves to Drive together. Guests can read the checklist and filenames in Settings, but the file picker and upload controls stay disabled until sign-in.

Ledger CSVs match this app’s export columns. Tracker CSVs use the filename rules in the Import CSV card. You can batch both together.

Download all (Excel) mirrors that bundle (Dashboard, Settings, and Import headers). It requires Google sign-in; on hosted builds with billing enabled, Premium rules may also apply (see Plans). In guest demo, every Download CSV and workbook control stays disabled until you sign in.

Use Save to Drive / Sync from Drive once authenticated so edits follow you across devices.

We do not operate a proprietary cloud database for your ledger. What you enter (accounts, expenses, income, subscriptions, preferences) normally lives in your browser session and, after you authorize Google Drive, inside your Google account’s restricted app-data area. If you open the app without signing in, we may load a demonstration wallet bundled with the site so you can explore the UI; that session does not create or update your Drive backup until you connect Google. We aim to minimize data collection and to be transparent about the services involved.

• Google Sign-In. If you authenticate, Google provides tokens and profile basics (such as email and display name) to the browser via Google’s OAuth and Identity APIs. Tokens needed for Drive access may be cached in browser storage so you stay signed in on this device.
• Browsing without Google. Without sign-in, the app may load a sample wallet only inside your browser for evaluation. No ledger fields are sent to our servers; Drive app-data is not created or modified until you authenticate. Controls that would import files, push settings, or download multi-sheet workbooks stay inactive in that mode.
• Wallet file on Google Drive. When Drive access is granted, your combined wallet/state is saved as JSON in Drive’s application-specific folder (drive.appdata). Only your Google account - and apps you authorize - can reach that folder; TheWalletly does not receive a separate copy on our servers.
• Local device settings. Values such as UI theme choice, optional OAuth client overrides, autosave cadence hints, profile photo (as data URLs), or similar preferences may be stored in browser storage (localStorage) and/or bundled into the wallet payload that syncs to Drive.
• Usage analytics (optional). If the deployed build was produced with measurement tokens, the site may load Google Analytics 4 and/or Cloudflare Web Analytics to understand traffic (approximate pages, sessions, country/region, device category). Those providers process technical and aggregated data under their own terms. We do not use analytics to read your ledger fields.

When you submit the Contact form while signed in with Google, we send fields (name, email, topic, message) to Google’s Form endpoint so they appear in our response spreadsheet. Processing is governed by Google’s Privacy Policy. Do not include banking credentials or full payment numbers in feedback.

If you are not satisfied with your Walletly Premium plan, you may request a full refund of the payment for that subscription within seven (7) calendar days of the date you subscribed (the “satisfaction period”). Upon an approved refund request, we will refund the eligible payment in full and cancel the associated Premium subscription so it does not renew.

To request a refund, contact us through Contact in the sidebar (or the email/process we publish for billing support), clearly stating that you are exercising this policy and including the Google account or billing reference we need to locate your purchase. Refunds are issued to the original payment method where our payment provider allows; timing may depend on banks or card issuers.

We may refuse or limit refunds that appear abusive, duplicate, or outside this 7‑day satisfaction period. This policy is in addition to any rights you have under applicable law. Where our payment partner’s terms differ, we will work within their rules to honor this commitment.

Ledger data persists until you delete the underlying Drive app file(s), revoke the app’s access in Google Account settings, sign out to return to the sample wallet, or clear site data. Guest/demo sessions do not write to Drive until Google is linked. Tokens expire per Google policies; reconnect if prompted after idle periods.

Use a modern browser over HTTPS whenever this app is deployed. Protect your Google account with two-factor authentication. Exports you download leave the app as files entirely under your control.

TheWalletly is intended for adults managing household or personal budgets. Users under parental guidance should coordinate use with a supervising adult responsible for linked Google accounts.

For questions about privacy or this policy, use Contact in the sidebar - the in-app feedback form there. If we materially change practices, we will update this panel and revise the effective date in the hero above.