Introduction

Welcome to MoneeWise, your personal financial tracking assistant. This guide will walk you through everything you need to know to use the app effectively and securely.

What is MoneyWise?

MoneyWise is an intelligent and user-friendly personal finance application built to help individuals track their income and expenses, analyze financial behavior, and work toward financial freedom. It offers a structured yet flexible approach to managing your money, encouraging consistent financial discipline and smarter decision-making. With built-in AI insights, reminders, and productivity tools, MoneyWise empowers users to not only understand where their money is going, but also how to optimize their financial life and long-term goals.

Whether you're someone just starting out on your financial journey or someone looking to gain better control and clarity over your money habits, MoneyWise provides a seamless and secure solution.

Key Features

• Easy Registration & Login: Sign up with just your name, email, and password—or use your Google or Facebook account for even faster access. The onboarding is designed to be effortless for everyone.
• Predefined and Custom Categories: Choose from a variety of built-in income and expense categories to keep your records organized. You can also create your own categories for more personalized tracking.
• Monthly Budgeting by Category: Set a monthly spending limit for each expense category to better control your finances. This helps you stay within budget and identify areas where you may be overspending or need to adjust your financial habits.
• Daily Income & Expense Tracking: Add entries with amounts, notes, and categories to log your daily transactions. This helps you maintain a clear picture of where your money goes and how it grows.
• Smart Reminders: If you forget to log an entry on any given day, the system will notify you gently, ensuring that your financial records stay consistent without any gaps.
• Daily Email Summaries: Receive a daily summary email that shows your total income and expenses for the day—helping you stay updated without even opening the app.
• AI-Powered Insights: After collecting a significant amount of data, MoneyWise analyzes your spending and income behavior using AI. It then provides insights and suggestions tailored to your financial habits—guiding you toward smarter saving, budgeting, and investment opportunities.
• Daily Planner & Goal Tracker: Boost your productivity by using the built-in planner to set daily, weekly, and long-term goals. Get reminders to help you stay on track with your life and financial plans.
• Privacy & Control: Your data is only accessible to you. There are no admins viewing your information, and your data is never sold or shared. You can delete your account and all associated data at any time from the account settings.

Who Is It For?

MoneyWise is designed for individuals who want more control over their money—whether they are students, professionals, freelancers, or anyone aiming for financial stability and growth. It is ideal for people who want to track spending habits, set financial goals, and receive actionable suggestions for saving and investment based on real behavior.

If you're motivated to improve your money management, achieve financial independence, and make informed decisions about your future—MoneyWise is built for you.

Getting Started

The authentication system of MoneeWise is designed to provide a secure and seamless user experience. Users can either log in with their credentials or use third-party providers like Google or Facebook for quick access.

This section ensures smooth user onboarding, secure login, and recovery options, whether through standard forms or OAuth login options.

Login for Existing Users

When users open the application, they land on the Login Page (center-left of the screen). Here, the following options are available:

• Email & Password Login:

  Located in the login form box, users need to:

  • Enter their registered Email
  • Enter their Password
  • Click the "Log in" button (bottom-right of the login form)
  • Optionally check "Remember me" to stay logged in

• Google Login

  Red button labeled Login with Google
  Clicking this button will redirect the user to the Google login page.

• Login with OTP

  Blue button labeled Login with OTP
  Simply click this button and enter you email, an OTP will be sent to your email. Enter that OTP and you will be logged in if already registered or will be registered and logged in.

User Registration (For New Users)

If the user is not registered:

• Click on "New User!! Register Here." (Located below the login form, left side)
• This redirects to the Register Page, where users must fill: Name, Email, Password, Confirm Password
• Click the "Register" button (bottom-left of the form)

Upon successful registration:

• A verification email is sent to the entered email ID.

• The user must:

  • Click the verification link in the email (preferably in the same browser)
  • Or copy-paste the link in the browser manually
• After verification, the user will be redirected to the Dashboard.

Forgot Password

If a user forgets their password, Click "Forgot your password?" (Located below the login form, above the registration link)

On the password reset page:

• Enter the registered Email
• Click "Email Password Reset Link"

A reset link will be sent to the email. Clicking the link will take the user to a page to: Enter a new password, Confirm the password

After setting a new password, the user can log in using the updated credentials.

🏠 Dashboard & Layout Overview

After logging in, users land on the Dashboard, which provides a quick snapshot of their financial status, goals, and daily activity. The layout is intuitive, clean, and well-structured for efficient navigation and productivity.

📌 Sidebar Navigation (Left Side Panel)

Located on the left-hand side of the screen, the sidebar provides access to all main features:

• Dashboard – Return to the main overview.
• Planner – Manage tasks, weekly plans, and long-term goals.
• Records – View and add income and expense entries.
• Analyze – Insights and charts based on financial data.
• Budgets – Set monthly budgets by category.
• Recurrings – Add your recurring expenses or income.
• Categories – Manage income and expense categories.
• Accounts – Add and monitor your bank accounts or wallets.
• Account Setting – Manage personal info, notifications, and delete your account.
• Logout – Securely sign out of your account.

Below these, you'll also find important links such as:

• Support Me – To support the developer.
• User Guide – Access the full documentation anytime.

🔝 Header Controls (Top Bar)

At the top of the screen, you’ll find several helpful quick-access tools:

• Shortcuts Dropdown (Top-left) – Predefined quick links for faster access.
• User Icon (Top-right corner) – Click to open a dropdown menu with: Account Settings, Logout.
• Full-Screen Button – Toggle full-screen mode.
• Theme Toggle (🌞/🌙) – Switch between light and dark mode.

📊 Financial Summary (Top Center – Blue Section)

This is the first section users see in the dashboard. It provides a concise overview of your financial condition.

• Header: "Financial Summary" with a “See Details” button on the top-right.
• Shows total income and expenses and gives insights and tips to improve your net worth.
• Clicking “See Details” opens a detailed view of financial patterns and suggestions.

🏦 Account Overview Cards (Below Financial Summary)

Just beneath the summary box, users can see colored cards for each of their linked accounts.

• Each card displays the account name and current balance.
• Green color indicates a positive balance, and red indicates a negative balance (debt).
• Up and down arrows show whether the balance has increased or decreased recently.

📅 Today’s Records (Top Right Section)

Located at the top-right, this panel displays records added for the current day.

• Columns include: Category, Account, Amount, and Occurred Time.
• Displays total Expenses and Income in red and green text respectively.
• “+ Create” button lets you add a new record directly from here.
• Use “See All” to open the complete list of records.

✅ Your ToDo(s) / Goal(s) (Bottom Left)

This section, labeled “Your ToDo(s) / Goal(s)”, helps users plan and track productivity.

• Items are organized by weekly tasks or long-term goals.
• You can check off tasks, edit them, or delete as needed using icons on the right.

📅 Budget for This Month (Bottom Right)

This panel shows budget usage for various categories, helping users avoid overspending.

• Each row shows: Category name, usage bar, percentage, and limit.
• Color indicators:
  • Blue – Within budget.
  • Yellow – Near budget limit (warning).
  • Red – Exceeded budget (danger).
• Click “Manage” to edit or add new budgets.
• Trash icons on the right allow quick deletion of a category’s budget.

📝 Planner Module

The Planner module is designed to help users efficiently plan, track, and complete their daily tasks, weekly goals, and long-term ambitions. It is accessible through the sidebar menu under the "Planner" section.

📋 Planner Board

When you click on "Planner > Planner Board" from the sidebar (left panel), you'll land on a visually intuitive board layout. This view provides a breakdown of your plans organized by timeframes and allows easy task management.

• Daily Tasks (Center Panel): Each day of the past 7 days is displayed along with its tasks. You can add a new task by clicking on the "+ New" button next to each date. Tasks are listed chronologically for each day.
• Task Controls: Each task includes:
  • A checkbox to mark the task as completed.
  • An edit icon to modify the task.
  • A delete icon to remove the task.
• Add Day: At the bottom of the planner board, you'll find a "Plan new day" button that lets you add a new day manually.

🎯 Weekly & Long-Term Goals (Right Panel)

On the right-hand side of the Planner Board screen, goals are grouped into time-based panels:

• This Week: Tasks for the current week (date range is shown at the top). You can click "+ New" to add a new weekly goal.
• Next Week: A text area is available to write and save goals for the upcoming week.
• Previous Week: A list of previously set weekly goals, shown for reference or continuation.
• Long-Term Goals: Add and manage your broader goals using the "+ New" button at the top of this panel.

Each item across all lists includes a checkbox to mark completion and a delete button (🗑️) to remove it.

📑 All Tasks List

To access all your tasks in a detailed table format, click on "Planner > All Tasks List" from the sidebar. This section offers advanced tracking and management tools for power users.

• Filter Tabs: At the top, tabs allow filtering by Task, Long Term, This Week, Next Week, etc.
• Create New: Click the + Create New button (top right) to add a new planner entry.
• Table View: Each row shows:
  • Type – Category of the task (e.g., Task, This Week, Long Term).
  • Content – Task description.
  • Planned For – Scheduled date and time.
  • Completed At – Timestamp of completion (if marked done).
  • Actions – Edit (✏️), Delete (🗑️), and Mark Complete (☑️).
• Pagination: Located at the bottom, allows browsing through multiple pages of tasks.

This section is ideal for users who want a consolidated, chronological view of all their plans across timeframes.

📁 Records Module

The Records section in MoneeWise helps users track their income and expenses efficiently. It consists of two main parts: a records list page and a record creation form. Users can filter, add, edit, or delete financial transactions and gain control over their financial logs.

📋 Records Listing Page

To access, click on Records from the left sidebar.

• The top of the page features two filter buttons: Expense and Income. Clicking these will filter and display only the respective types of records.
• A month selector is present on the top-right of the records table, allowing users to switch between months to view historical data.
• Each entry shows the following columns:
  • Action – Edit or delete the record.
  • Category – Classifies the entry (e.g., Food, Salary, EMI).
  • Amount – The transaction value (negative for expense, positive for income).
  • Account – Which bank or wallet this record is linked to.
  • Occurred At – The date and time when this record happened.
  • Note – Additional info about the record.
  • Created At – When the entry was added into the system.
• A summary is shown at the bottom indicating total Expenses and Incomes for the selected month.

➕ Create Record Page

You can add new entries by clicking the + Create New button on the listing page or using the quick add options on the dashboard.

• Type Selection – Choose between Income or Expense using radio buttons.
• Category & Account – Required dropdowns to classify your record.
• Note – Optional field to add context.
• Amount – Supports numeric values and expressions. You can type expressions like 100+50-30 and it will be calculated automatically.
• Occurred At – Choose the date/time when this record occurred.
• Analyzable Checkbox –
  • This is enabled by default and includes the record in financial analysis.
  • If the record is only for adjusting balance differences or does not represent a real income/expense, uncheck this box.

Once all fields are filled, click Save or Save & New to add the record.

📁 Smart Import (for android only)

Automatic Financial SMS Integration

Smart Import is an intelligent feature by MoneeWise that automatically detects your financial SMS (like UPI alerts, bank credit/debit messages) and brings them directly into your account dashboard for quick action. No more manual copy-paste of SMS transactions — we do the heavy lifting for you!

🔍 How It Works

• Download the Smart Import App (APK) from the link below.
• Install it on your Android phone and grant it the required SMS permission.
• Enter your encrypted User ID in the app. - You can find your User ID here on the smart import page. This link is also available in the app.
• Verify your ID with a single tap.
• That’s it! Now sit back and let the app forward incoming transactional SMS to your Smart Import page.

What Happens After SMS Is Received?

• The transactional SMS is displayed in the Smart Import dashboard on your MoneeWise account.
• You can:
  • ❌ Delete any message if it's not needed.
  • ✏️ Edit and add as a record by selecting category and changing the note if needed.

Why This Feature?

• Helps you quickly record income or expenses without typing everything manually.
• Gives you more control and visibility over your finances.

FAQs and Notes

• Only financial-related data is being collected: Only financial-related SMS (UPI, bank alerts, etc.) are sent to your MoneeWise account. Messages like OTPs, promotional offers, or personal chats are ignored.
• We don't store my SMS permanently: We do not store your SMS in our database. The SMS is temporarily held just long enough for you to act on it (a few minutes or hours). If you take any action whether discard or add as a record or if you take no action for a long time, it is deleted automatically.

Disclaimer

Smart Import is designed to assist you in recording your finances easily. However:

• If a message is not received, imported incorrectly, or missed, please add the record manually.
• Transactions done in cash or not received via SMS must also be recorded manually.

Recording every penny gives you full control over your money. Smart Import is your assistant — but you’re the boss. Always keep an eye on your finances for the most accurate results.

Installation Guide

1. Download the APK here.
2. If Play Protect blocks the app:
   • Go to Settings > Security > Install Unknown Apps.
   • Allow installation from your browser or file manager.
3. During installation, grant SMS permissions when prompted.
4. After launch:
   • Enter your encrypted User ID.
   • Tap Verify.

You're done! The app runs in background and does its job silently.

Start using Smart Import today and make your finance tracking truly effortless!

Installation / Setup Errors

1. Issue #1

   Google Play Protect: App blocked to protect your device

   This is because your device is protected by Google Play Protect and it's blocking the app because this app needs permission to read SMS. But this permission is required to analyze your SMS.

   Solution

   Here are the steps to pause Google Play Protect so you can install the APK (like "Smart Import" app) without getting blocked:

   1. Open the Google Play Store app.
   2. Tap on your profile icon (top-right corner).
   3. Tap Play Protect.
   4. Tap the Settings icon (⚙️ top-right).
   5. Turn off:
      • Scan apps with Play Protect
      • Improve harmful app detection (optional)
   6. Confirm if prompted with “Turn off” / "Pause" (Recommended).

2. Issue #2

   App was denied access to SMS

   You see this message because the "Smart Import" app requires permission to read your SMS messages to function properly. This is a necessary permission for the app to automatically detect and import your financial SMS messages. However, starting from Android 11, Google has restricted this permission for new apps, so you need to manually grant it.

   Solution

   Allow restricted settings

   1. On your Android device, open the Settings app.
   2. Tap Apps.
   3. Tap the app that you want to turn on a restricted setting for.
   4. Tip: If you can't find it, first tap See all apps or App info.
   5. Tap More and then Allow restricted settings.
   6. Follow the on-screen instructions.

📈 Analyze Module Overview

The Analyze section provides powerful visual insights into your financial data. You can find it in the sidebar under Analyze with three key submenus:

📊 Financial Chart

This page showcases your monthly categorized breakdown of both expenses and incomes. It includes three major charts:

• Expenses Bar Chart (Top): Compares your current month’s expenses category-wise (in red) against the previous month’s expenses (in pink).
• Incomes Bar Chart (Bottom Left): Displays the source-wise income comparison between the current and previous month using teal and light teal bars respectively.
• Income vs Expense Line Chart (Bottom Right): Shows the monthly trend over time, highlighting how your income and expenses have fluctuated across each month (blue for income, pink for expense).

These visualizations help identify spending trends, income spikes, and overall cash flow behavior.

📅 Weekly Chart

This section displays your weekly financial activity using a line chart:

• X-axis: Represents the days of the selected week.
• Y-axis: Represents the monetary value.
• Income (blue line) vs Expense (red line): Quickly spot when you're earning more than you're spending—or vice versa.

You can select different weeks using the calendar dropdown on the top right.

🧠 Financial Summary

This section provides a detailed textual analysis of your financial health based on available records:

• Summary Block: Shows total income, expenses, and savings with their respective averages.
• Patterns and Insights: Highlights spending behavior, inconsistent income, and high-expense categories.
• Practical Tips: Offers advice like budgeting, prioritizing needs, savings strategies, and frequent reviews.
• Consistency in Savings: Encourages a habit of consistent saving and provides actionable advice.

This page helps users reflect on their money habits and improve financial stability through clear suggestions.

Budgets Module

The Budgets module in MoneeWise helps you proactively manage your spending by setting limits on different expense categories each month. It visually tracks your actual spending against your set budget and gives you full control over your financial planning.

Budgets Overview

• The top section shows the budgets for the currently selected month. You can navigate between months using the Prev and Next buttons along with the month selector dropdown on the top right.
• Each category (like Groceries, Housing, Food, etc.) has a progress bar showing:
  • The total amount spent.
  • The budget limit you’ve set.
  • The percentage of the budget consumed so far.
• If a category has no budget set, you can enter an amount and click Set Budget to assign a monthly limit.
• Categories with set budgets also have a Delete icon beside them, allowing you to remove the budget if needed.

Copy Previous Month's Budget

• If you have not set any budgets for the current month, the system will display a helpful alert message with a button: Copy from [Previous Month].
• Clicking this button will instantly copy all budget limits from the previous month to the current one—saving you time and ensuring consistency in monthly planning.

Setting New Budgets

• To set a new budget, simply:
  1. Enter the desired amount in the input field beside the category name.
  2. Click the Set Budget button.
• Once a budget is set, the UI dynamically updates with a blue progress bar to show actual vs. budgeted spending.

Recurring Module

The Recurring module in MoneeWise allows users to schedule financial transactions that happen systematically—such as regular expenses or recurring incomes. Instead of manually adding these every time, users can set them up once, and they will be automatically added to the Records section on the specified schedule.

Use Cases

• Monthly Salary: Automatically add an income record on a fixed date every month.
• Weekly Subscriptions: Add a recurring expense for weekly payments, such as streaming services or gym memberships.
• Bi-Weekly Groceries: Automatically log grocery expenses twice a week.
• Loan EMIs: Record monthly loan payments without manually entering them every time.

Functionality

• Users can specify:
  • Type: Income or Expense
  • Category (e.g., Salary, Groceries, Loan EMI)
  • Account (from which or to which the transaction applies)
  • Amount – Can include mathematical expressions like 5000+300
  • Note for any extra context
  • Frequency – Choose from daily, weekly, monthly, or custom schedules
  • Start Date and optionally End Date
• Once scheduled, the system will automatically create a corresponding record in the Records section on the specified date or according to the defined schedule.
• This helps automate repetitive entries and ensures your financial data remains accurate and up-to-date with minimal effort.

Benefits

• Saves time by avoiding repetitive data entry
• Ensures important recurring payments (like rent, subscriptions, etc.) are not missed
• Improves accuracy in financial tracking and analysis

Categories Module

The Categories section in MoneeWise allows you to organize your income and expense records efficiently by assigning them to relevant categories.

System Categories

• MoneeWise comes with a set of predefined primary categories (e.g., Groceries, Salary, Housing, Insurance, etc.).
• These system-defined categories are essential for maintaining core functionality and insights; hence, users cannot edit or delete them.

User-Created Categories

• Users can create their own custom categories to better tailor the platform to their unique financial tracking needs.
• These custom categories can be assigned as either Income or Expense types.
• Editable and Deletable: User-created categories can be edited or removed at any time as per user preferences.
• Private: Any category created by a user is private to their account and will not be visible to other users on the platform.

Purpose

• Categories allow for better data organization, reporting, budgeting, and analysis.
• They are essential for grouping similar transactions and generating accurate financial insights.

Accounts Module

The Accounts section in MoneeWise allows users to manage and track the balances across various financial sources such as bank accounts, credit cards, wallets, and more.

Features

• Add Accounts: Users can add the financial accounts they use, including Credit Cards, Bank Accounts, UPI Wallets, or any other type of account.
• Initial Balance: While adding an account, users can specify an initial amount to set the opening balance.
• Current Balance: The system automatically calculates and displays the current balance based on the income and expense records linked to that account.

Transfer Feature

• A Transfer button allows users to move money from one account to another (e.g., transferring funds from a Wallet to a Bank Account).
• These transfer records are logged for accurate account balances but are not included in financial analysis or insights since they do not represent actual income or expense.

Purpose

• Helps users stay aware of how much money they have across different sources in real time.
• Maintains clear visibility and control over financial distribution and transfers between accounts.

Account Settings

You can access the Account Settings page by clicking on the “Account Setting” option located in the left sidebar under the “Manage Account” section. The Account Settings page is divided into three main sections:

• Update Profile (Left Section)

  This section appears on the left side of the Account Settings page. Here, you can:

  • Change Your Name, Email, or Mobile Number: Simply edit the respective fields and click Submit.
  • Update Password (Optional): If you want to change your password, you can enter a new one in the Password field. If left blank, your password will remain unchanged.
  • Upload a Profile Picture: You can upload or change your profile image here

  Note: Your email address is used for notifications and login. Make sure it is up to date.

• Notification Preferences (Right Section)

  Located on the right side of the page, this section lets you customize which notifications you want to receive. There are two categories:

  • Email Notifications:

    • Daily Financial Summary: Receive a daily summary of your income and expenses via email.
    • Nothing Recorded Reminder: Get a reminder if no transaction is recorded for the day.

  • Push Notifications:

    • Nothing Recorded Reminder: Similar to email, but sent as a push notification.
    • Task Planner Reminder: Get reminders for tasks and goals you’ve set in your daily planner.

  You can toggle these options on or off depending on your preferences and receive only the reminders that are meaningful to you.

• Delete Your Account (Bottom of the Page)

  At the bottom of the Account Settings page, you will find a “Delete Your Account” button in red. Clicking this will open a confirmation modal where:

  • You will be asked to provide a reason for deleting your account.
  • After confirming by clicking “Delete My Account Permanently”, your account and all associated data will be permanently removed from the system.

  ⚠️ This action is irreversible. Make sure you really want to delete your account before proceeding. If you have any questions or concerns, you can contact support before making this decision.

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