This month
See what is available to spend this month and what it comes to per day, with what is still to come.
Features
What Groundline does.
Plan each month
By calendar month, or by payday.
Choose how your month runs: by the calendar, or from payday to payday if your income lands on a set date.
Spending and bills
Every bill and debit order in date order, marked paid or still to come, next to your day-to-day spending.
All your income
Salary, business income, side income, rent, grants or family support, in any mix and each with its own timing. Mark what you expected against what came in.
Spreadsheet import
Bring your history across from a CSV or Excel file. Match the columns once and Groundline does the rest.
As it happens
Record what happened, from any page.
Record
Money in, a bill paid, spending, a debt payment or new balances. A debt payment ticks the repayment and brings the balance down in one save.
Before you buy
See what a purchase does to your month: paid now, saved for over a few months, or on credit, side by side.
Grocery list
Plan the shop against your groceries plan, tick items off in the shop, then record the total as spending.
Extra money
A bonus or a refund: split it across debts, goals and savings and see what each part does before you decide.
Life changed
A new job, a car, a house, a baby or less money coming in: update your income, plan and goals one step at a time.
Wins
A goal reached, a debt paid off, a year to debt-free: Groundline marks the moment. Saving and paying down only, never spending.
Where you stand
What you own and owe, in plain words.
Health score
A score out of 100 with one sentence on what holds it back, and how it moved since last month.
Loans and accounts
See every loan and account side by side, each with its payoff date. Compare payoff orders on your own numbers.
Net worth over time
Cash, savings, investments, property and money lent to others, minus what you owe, month by month.
Retirement funds
Keep pension and retirement fund balances next to everything else, updated when your statement arrives.
Look back and ahead
Month by month, then year by year.
Monthly check-up
Once a month: what is still open, your five vitals against last month, then your recap in Your Story.
Your Story
Net worth, savings and score over time, explained in plain words. Free shows the last 3 months; Pro keeps every month, with Year in review and trends.
Goals
Set a target and see how far along you are. Free includes 2 goals; Pro has no limit.
What-if
Nine simulators show the arithmetic of a change on your own numbers before you make it. 3 What-if runs a month on Free; Pro is unlimited.
Pro
Personal Financial Statement
A PDF of what you own and owe, prepared from your entries, for a lender, landlord or partner.
Pro
Reports and diagnostics
Reports as PDF or CSV, and diagnostics that measure housing, transport, debt and more against your income.
In your control
Your numbers stay yours.
Hide amounts
Hide every amount on screen when someone is looking over your shoulder.
Two-step sign-in
Turn on two-step sign-in and sign out other devices in Settings.
Encryption
Financial fields are encrypted with AES-256-GCM before they are stored, and travel over TLS.
Export or delete
Download everything you entered, or delete your account and everything in it, on any plan.