Finances
Finances is a budgeting and financial tracking hub — a single place to see your income, fixed costs, subscriptions, savings, and debts together. The goal is clarity: knowing exactly where your money goes and how your trajectory looks over time.
How it works
The Finances section has four tabs. Each covers a different aspect of your financial picture:
| Tab | What it covers |
|---|---|
| Overview | Monthly budget: income, fixed costs, and the 50/30/20 breakdown |
| Subscriptions | Recurring services — monthly, quarterly, yearly |
| Savings | Savings and investment accounts with balance history |
| Debts | Loans and credit with payoff projections |
What you can track
Income — add one or more income sources with a monthly amount, label, and effective date.
Fixed costs — regular monthly expenses (rent, utilities, groceries, insurance, healthcare, transportation, etc.) organised by category.
Subscriptions — recurring services with name, cost, billing cycle, and active/inactive status. The tab shows your total monthly and annual subscription spend.
Savings accounts — track balances over time with snapshots. A growth chart shows how balances change month to month.
Debts — loans and credit balances with interest rate, monthly payment, and optional extra payment. Terra calculates a projected payoff date for each.
What you can do
- Add, edit, and delete entries across all four tabs
- Toggle subscriptions active or inactive without deleting them
- Log debt payments to track what you've paid down
- Record savings balance updates to build your growth history
- See the 50/30/20 budget breakdown — how your spending compares to the recommended needs/wants/savings allocation
Connecting to the rest of Terra
Your subscription costs and debt payments feed into the budget overview alongside your fixed costs, so the total picture of your monthly obligations is visible in one place.
Clarity over complexity.