User Guide
Welcome to FundMyFutureToday. This guide walks you through every part of the app so you can take control of your money with confidence.
Heads up — this app contains sample data
We've loaded a realistic example profile (a mid-40s professional) so you can explore every feature right away. The numbers you see are not yours. To get real value, replace the sample data with your own accounts, transactions, and budgets — see the three steps below.
Replace the sample data in 3 steps
Replace sample accounts
Open Accounts, delete the sample accounts, and add your real checking, savings, credit, investment, and loan accounts with current balances.
Replace sample transactions
Open Transactions, clear the sample entries, then add your own — or use Import to load a CSV from your bank. Set up Recurring Transactions for monthly bills.
Set your budgets
Open Budget and set a realistic monthly limit for each category based on your actual spending.
Tour every section
Click any card to jump straight to that part of the app.
Dashboard
Your financial home base. See net worth (assets minus liabilities), monthly cash flow, spending by category, savings growth, and your latest transactions at a glance. Use it to check the big picture each time you log in.
Accounts
Add every account you own — checking, savings, credit cards, investments, retirement, loans, and mortgage. Assets and liabilities are grouped automatically and feed your net worth. Edit a card to update a balance; delete it to remove an account.
Transactions
Record income and expenses, assign each to an account and category, and search or filter your history. Use the Import option to bulk-load transactions from a CSV file, and set up Recurring Transactions for bills that repeat every month.
Budget
Set a monthly spending limit for each category. The page compares your limits against actual spending for the selected month and flags categories that are over budget. Adjust limits anytime to match your real life.
Budget Reports
Review spending trends across months and categories with charts and progress bars. Use Download Report to export a complete CSV for offline analysis or sharing with an advisor.
AI Financial Tips
Get personalized recommendations generated from your recent spending patterns. The AI reviews your transactions and suggests concrete ways to save, reduce debt, or invest more effectively.
Loan Calculator
Estimate a monthly payment and total interest for any loan — auto, personal, or student. Change the amount, rate, and term to compare scenarios before you borrow.
Mortgage & Amortization
Model a home loan end-to-end: monthly payment, full amortization schedule, and how extra payments shorten your term and save interest.
Insurance Analysis
Compare coverage types and premiums against your needs so you can spot gaps or over-insurance and make confident decisions.
Future Value
Project how a present sum or regular contribution grows over time at a given rate — useful for planning savings goals and investment returns.
Retirement Maximizer
Forecast your retirement nest egg based on current savings, contributions, and expected returns, and see how long your savings will last in retirement.
Annuity Comparison
Compare annuity options side by side — payouts, terms, and total value — to evaluate which fits your retirement income plan.
Newsletter
Read timely financial insights and tips. New issues are published regularly to keep your knowledge current.
Companion Workbook
Work through guided exercises that turn the concepts into action. Your answers save automatically, and each chapter can be printed or exported to Word.
Pro tip
Start with the Dashboard after you've replaced the sample data — it's the fastest way to see whether your spending, savings, and net worth are moving in the right direction. Then explore the Planning Tools to model your loans, retirement, and investments.