BeforeAfter
Surprise bills
Insurance, school fees and renewals land when you least expect them.
Gus Finance · personal and household money
See every day before it happens.
A daily cash-flow ledger that runs years ahead. It shows what's safe to spend, warns you before a low balance, writes a Money Brief in plain English, and lets you try “what if” in a sandbox copy. No bank login needed.
No bank credentials
CSV and Excel import
Observations, never advice
Live
Cash today—
Live ledger
Safe to spend—
to month end
Lowest point—
↔ Drag the ✈ pin to plan a holiday · ⇕ drag your floor · hover any day
The real app
Inside Gus Finance.
This is the actual Gus Finance module in the Gus demo workspace, with a made-up household. Scroll and it scrolls with you.
- Four numbers that matter. Cash, safe to spend, runway and savings rate.
- Income vs spend, by month. Six months side by side.
- Where it went. Spending by category, this month.
- Accounts and the car loan. Balances, paid off so far, months to go.
- Upcoming payments and budgets. What's due next, and how each budget is pacing.
A month in motion
Watch the dashboard keep up.
Transactions arrive, the balance updates, budgets fill and the forecast redraws, live. Demo household, sped up.
Today's activity
Cash£27,590
Safe to spend£3,835
Spent this month£3,600
What it fixes
Six money worries, solved before they happen.
Each card shows the usual story, then the same month in Gus Finance. Hover or tap to flip between them.
BeforeAfter
Overdraft risk
One bad week before payday and the account dips below zero.
BeforeAfter
Loan overpayment optimiser
Spare cash sits idle while interest keeps running.
BeforeAfter
A savings floor
Savings quietly drain to cover everyday spending.
BeforeAfter
Card to zero
A card balance that creeps up and charges interest.
BeforeAfter
“Can I afford the holiday?”
A guess, a spreadsheet, and a nervous month.
See the whole month
Where every dollar goes, as a river.
Income flows in, the month carries it, and it flows out to rent, bills, overpayments and savings. What's left is what's safe to spend. Demo household.
Debt payoff race
Overpay a little. Finish years earlier.
A demo loan of 48,000 at 7.5%. Drag the slider to add an overpayment and watch the race change.
Minimum paymentsWith the optimiser
Ask before you book
Can I afford the holiday?
$4,000
Observation, not financial advice. Demo figures.
Money Brief
This morning
Loading the demo ledger…
Observation, not financial advice. Written from the demo ledger above, and it changes when you do.
Budget health, with reasons
Every over or under comes with the reason, not just a red bar.
Scenarios
“What if” in a safe copy, not your real ledger.
Switch on a scenario and the chart above draws a second line. Your live ledger is never touched; keep the scenario, compare it, or throw it away.
Scroll up to watch the forecast change, or hover the chart to read any day.
The ledger
Every day, past and future
Recurring items fill the future; confirm them when they're paid.
Features
Built from a spreadsheet that ran a real household for years.
The engine started life as a detailed household workbook. Gus Finance keeps its precision and drops the formulas.
📅
Daily cash-flow ledger
Every future day, 6 months ahead on Free and up to 5 years on Plus. Per-account columns, totals with and without cards.
🔁
Recurring and projected
Salaries, rent, school fees and subscriptions project forward. Confirm each when it's paid; actuals replace projections.
⚠
Low-balance look-ahead
A warning days or weeks before any account dips below your floor, with the item that causes it.
🧾
Budget versus actual
A month snapshot with drill-down to transactions, and pace that ignores lumpy fixed costs.
🏦
Loans and repayments
Track balances, interest steps and overpayments over the life of a loan (Plus).
🎙
Ask by typing or talking
“Add 200 fuel”, “petrol to 800 every month”. Every change shows a preview to confirm first.
📥
Import what you have
CSV on Free; CSV and Excel with saved mapping templates on Plus. Bank sync comes later via a licensed aggregator.
🌓
Light, dark and hidden
High-contrast light and dark themes, and one switch to blur every figure on screen.
🔗
Works with Gus
Your chief of staff sees titles only (“statement due Thursday”) and can never move money.
Pricing
Free to start. Plus when you plan further ahead.
Finance Free
$0forever
- 3 accounts and cards
- Ledger 6 months ahead
- Weekly Money Brief
- 1 scenario, CSV import
- 20 Ask questions a month
Finance Plus
$5.99/ month
- Unlimited accounts
- Up to 5 years ahead
- Daily Money Brief, budget health with reasons
- Unlimited scenarios with export
- Loans, Excel import, unlimited Ask
Included in Gus Household and Gus One. Compare bundles
FAQ
Money questions.
Do I have to connect my bank?
No. Gus Finance works from what you enter, import or say. Bank sync is planned later through a licensed aggregator as an optional tier.
Is this financial advice?
No. Everything Gus Finance says is an observation about your own numbers (cash, pace, warnings). It never recommends investments or products.
Can I move from my spreadsheet?
Yes. Import CSV, or Excel with mapping templates on Plus. Recurring items can be set up from the first month and projected forward.
Where is my data kept?
Each customer's ledger is stored in its own separate database file, encrypted and backed up. Your chief of staff in Gus only ever sees short titles, never your figures, unless you allow it.
Your money, a month ahead.
Gus Finance launches after the family app. Join now and we'll invite you in the first wave.