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monëy.com · Personal tool, in progress

An almanac, not a dashboard.

One person's bank ledger, kept in a single file on their own machine and printed as a page you consult. No feed and no notifications. Every number on it opens onto the purchases it was counted from.

The bank page: a balance of 321.671 kr set large, the booked and reserved amounts beside it, three readings underneath giving 24.113 kr left to spend, 9,4 months of runway and a pace of plus 4 percent, and the month's balance drawn as a single line.

monëy's design concept, running. The names across the top open the bank page, the budget, the sheets, the tax year, the investments and the notices. The line at the foot of the page takes a merchant name or a question.

Live. Bank, budget, sheets, tax, invest and notices all open. Type netflix into the line at the foot. The design concept, not the working sync behind it. Invented household, invented figures.

The monthly sheet

One number, and what it rests on.

Groceries and household, for a month that is only six days old: 2.216 kr of purchases in the first six days, plus twenty-four days at the pace of the last three months. Nothing is rounded off, and no model guesses at any of it. Invented household, invented figures.

(8.010,00)Household · September 2026

household(sep) = brugt(1..6) + takt × (30 − 6)

Spent to 6 September2.216,00
Pace × 24 days left5.794,00
A spreadsheet of four months. The September household cell is outlined, holding 8.010,00. Under the sheet, a list of the five shop purchases made so far this month with their dates and amounts, and a sixth line standing for the 19 August purchases the pace was measured from.
The cell, opened: the five purchases behind it so far, and one line for the month the pace was taken from. Every figure on every page opens like this.

The bank page · Subscriptions

Every subscription, and what it costs a year.

They are listed the way a warehouse lists stock, and nothing on the row tells you what to do about it. The two largest are AI subscriptions at 1.725 kr each, four fifths of the monthly bill, and the ledger passes no comment on them. When a price changes it notes the change in the margin and stops. Netflix went to 139 kr in May. That is the entire comment.

Seven subscription rows with monthly and yearly amounts, largest first: Claude Max and ChatGPT Pro at 1.725 kr each, then YouSee, Fitness World, Netflix, Telmore and Apple. The header reads 4.295 kr a month, 51.540 kr a year, seven payments. Under Netflix, in italics in the margin, the line reads was 129 kr since may.
Invented household, invented figures.

One input

One line is the whole interface.

There is one place to type, at the foot of every page. Type a merchant and the page becomes that merchant. Type a question and the answer appears on the same page. There is no second screen.

The page being used. No sound, and it loops. Invented household, invented figures.

A ledger row

Money out wears brackets.

No red, no green, no arrows. Brackets are how ledgers have written money out since long before screens. A colour would tell you how to feel about the number. Brackets only tell you which way it went.

Invented household, invented figures. The salary line is not his.

6. sepFøtex
(454,92 kr)
5. sepNorlys Energielectricity and heating · fixed
(1.240,43 kr)
31. augLønoverførselsalary · august
58.900,00 kr

Ask

Ask, and it can only cite the file.

The question goes into the same line at the foot of the page. The answer comes back as a sentence with every figure underlined, and each figure opens the purchases it came from. The total under those purchases is the number in the sentence.

The model chooses the words. The file supplies the numbers.

A question typed in Danish at the foot of the page asking what was spent at Netto in August. Above it the answer, 2.416,55 kr, written as a sentence with every figure underlined, and the seven Netto purchases and their total listed beneath.
Seven Netto purchases in August, printed under the answer they add up to. Invented household, invented figures.

Sheets · Forecast

The line rises, and goes dotted where the record ends.

Everything the household owns, month by month: the current account, the savings account and the investment account added together. 2.760.000 kr a year ago, 3.532.152 kr a year out. The solid half happened and is in the ledger. The dotted half adds nothing but the 24.113 kr a month the household actually puts aside, with no market return assumed at all, and the band around it is one standard deviation, widening the further out it goes.

Below the chart, the four things that move the line, and how many kroner a month each of them moves it. Household has run 312 kr a month under its own pace since June.

The forecast sheet: 3.532.152 kr set large, and under it the household's total wealth drawn as one line that rises from 2.760.000 kr, solid to the last closed month and dotted after it, with a widening band of one standard deviation around the dotted half.

The forecast sheet, running. Input, Forecast, Outlooks and Charts are all real tabs, and the names across the top open the other pages.

Live. Input, Forecast, Outlooks and Charts all open, and so do the pages across the top. Invented household, invented figures.

At 390 pixels

The same page, in the hand.

Not a companion app with fewer numbers in it. The same document, re-set for one column.

Invented household, invented figures.

Specifications

Role
Product, design and engineering. Solo, directing AI agents.
Sync
Python, through Enable Banking to Danske Bank
Store
SQLite. One file, on the owner's machine.
Compute
Python, deterministic. Every figure the advisor quotes was computed by code before the question was asked.
Web
Next.js 16
Advisor
Local Claude and Codex command line tools, reading that one file
Status
Personal tool, in progress. Nothing published yet.
monëyOpen the design concept