Finance Tracker

Log spending as tags in your daily notes. Get budgets, trips, savings goals and forecasts back.

Your markdown notes stay the source of truth. There is no database and no sync — uninstall the plugin tomorrow and you still have every transaction, in plain text, in notes you can grep, link and edit by hand.

## Finance
- [ ] #log/spending 16.20
	- $12.00 #log/spending/food/restaurants
		- Nobu
	- $4.20 #log/spending/food/snacks

That is the whole data format. Everything below is built from it.

• Runs on desktop and mobile (Obsidian 1.0+).
• No network requests, no telemetry, no bank connections.
• MIT licensed — see LICENSE.
• Recent changes: CHANGELOG.md.

Support the project: Buy Me a Coffee

Contents

• First-time setup — the wizard, and what it creates
• How logging works — the tag format, and five ways to capture
• Tag language — spending, income, balances, trips, splits
• Budgets — pace-aware limits in a markdown table
• Dashboards — the donut, trends and budget bars
• Goals (savings + trips) — sinking funds and trip mode
• Recurring payments — bills, cadences, and the lifecycle
• Runway — how much of your outgoings you have covered
• Split expenses · Forecast · Net worth
• Query block · Year & quarter reviews
• Daily budget sidebar · Merchant map
• Commands · Settings · Limitations
• Development

First-time setup (empty vault)

On a fresh install the setup wizard opens automatically (or run the Set up finance notes command / the button at the top of settings any time — it never overwrites existing notes). It asks where your daily notes live, where finance notes should be stored, your currency, and what to name the recurring payments note (changeable later in settings) — then creates the starter notes from templates embedded in the plugin:

• 💸 Budgets.md — the budget table
• 📊 Finance Dashboard.md — weekly/monthly dashboards, net worth, forecast, a sample query
• 🔁 Recurring Payments.md — the bill management page
• 🎯 Goals.md — the goals overview with one-tap contributions

The manual path, if you prefer:

1. Install & enable. Copy this plugin to .obsidian/plugins/finance-tracker/, then Settings → Community plugins → enable Finance Tracker. (On mobile, turn on community plugins first.)

2. Set two things in the plugin's settings tab (Settings → Finance Tracker → Capture):

   • Default currency (e.g. AUD, USD).
   • Daily notes folder — point it at where you keep daily notes. Default is Journal/Periodics/1. Daily; the plugin routes captures to <folder>/YYYY-MM-DD.md (or <folder>/YYYY/MM/YYYY-MM-DD.md if you already use that structure).

   

3. Open the panel. Click the coin ribbon icon (or run Open daily budget). This creates, on first run:

   • Utility/Budgets/💸 Budgets.md — a starter budget table you can edit.
   • Utility/Finance/Inbox/ — the capture folder Shortcuts write to.

4. Log your first transaction. Run command Quick add transaction, type 12 coffee snacks, press Enter. Today's note is created with a ## Finance section and the entry; the panel and status bar update.

5. Set your budgets. Open 💸 Budgets.md and edit the table rows to your own categories, limits and periods. Keep an all row for the overall bar + Left/Day.

6. Add a dashboard (optional). Put a ```finance-dashboard block (see Dashboards) in any note for charts and pace bars.

7. Phone capture (optional but the point). Pick the method that matches your sync (see How logging works): on Obsidian Sync, use a Shortcut that opens obsidian://finance-capture?… (no special storage needed); on an iCloud Drive / Mac-local vault you can instead drop capture files into your configured inbox folder. Step-by-step Shortcut recipes are in How logging works below.

Nothing else is required — daily notes, the budget note, and the inbox folder are all created for you on demand.

How logging works

Every transaction is a bullet under a ## Finance heading in a daily note (…/YYYY/MM/YYYY-MM-DD.md). The plugin maintains the checkbox total automatically:

## Finance
- [ ] #log/spending 16.20
	- $12.00 #log/spending/food/restaurants
		- Nobu
	- $4.20 #log/spending/food/snacks

The same thing rendered in a real daily note:

You rarely type this by hand. Four ways to log:

Method	Use it for
obsidian://finance-capture Shortcut	phone capture with any sync (incl. Obsidian Sync); briefly opens Obsidian
Apple Shortcuts → capture inbox file	phone capture when the vault is Files-writable (iCloud Drive / Mac-local); no Obsidian launch
Quick add modal (command or status bar)	logging while you're in Obsidian
Type the bullet yourself	edge cases; the total self-heals on note open

Which phone method? It depends on how the vault syncs:

• Obsidian Sync (the vault lives inside the Obsidian app) → use the URL Shortcut. Shortcuts can't write into Obsidian's sandbox, so the inbox-file method won't work on the phone.
• iCloud Drive / Mac-local folder → the inbox-file method is best (silent, no app launch), and the same folder lets Mac-side scripts and the in-app bank-CSV reconcile drop captures in.

URL Shortcut (works with any sync)

A Shortcut opens obsidian://finance-capture?amount=12.5&merchant=Coles&category=food/groceries&source=manual. The plugin logs it to today's note. This briefly foregrounds Obsidian but needs no filesystem access.

The URL method also works as an automation — no Save File step needed on an Obsidian Sync vault. This is the actual automation used against an ANZ Plus card (source=anz): a Transaction trigger set to Run Immediately —

— followed by URL-encoding the merchant, building the obsidian://finance-capture URL, and opening it:

Shortcut D — "Log + confirm in Obsidian": build an Open URL action — obsidian://finance-capture?vault=<vault>&amount=12.5&category=food/groceries&merchant=Coles&source=manual — and run it from the Home Screen, Lock Screen, or Action Button. This is the only phone method that works on an Obsidian Sync vault; use it whenever you want the dashboard to update immediately.

Capture inbox (Files-writable vaults)

A Shortcut (or Mac script, or the bank-CSV reconcile) drops a one-line file into the inbox folder (default Utility/Finance/Inbox/); the plugin drains it into the right daily note on arrival and on launch. Capture line format — one line, key=value pairs separated by |:

amount=12 | cat=food/restaurants | merchant=Nobu | date=2026-06-10 | cur=AUD | source=apple-pay

Key	Meaning
amount (amt, total)	the amount to log — the only required key
cat (category)	category path, e.g. food/groceries. Omit to log as uncategorized and categorise later.
merchant (payee, name)	shown under the entry; also used to auto-guess the category from the merchant map
date	YYYY-MM-DD; defaults to today. Set it for retroactive logging — the plugin routes to that day's note.
cur (currency)	currency code; defaults to your vault default
origamt / origcur	foreign amount + currency (travel); the holiday dashboard converts it
source	free text, e.g. apple-pay, wise, manual
id (wiseid, ref)	external id for de-duplication (used by Wise sync / CSV reconcile)

Bad files are moved to Inbox/_failed/ with the error, never dropped.

Shortcut A — "Log Spend" (manual, everyday) — put it on the Home Screen, Lock Screen, Action Button, and "Hey Siri, log spend":

1. Ask for Input → Number → "Amount?"
2. Choose from Menu → your categories + "Skip".
3. Ask for Input → Text → "Merchant?" (allow empty).
4. Text action: amount=[Provided Input] | cat=[Menu Result] | merchant=[Text] | date=[Current Date · yyyy-MM-dd] | source=manual (leave cat= empty if "Skip" was chosen).
5. Save File → iCloud Drive → the inbox folder → "Ask Where to Save" off, "Overwrite" off. Filename: [Current Date · yyyy-MM-dd'T'HHmmss]-[Random 4 chars].txt.

Shortcut B — "Log Apple Pay" (automation, the important one) — for a card you don't sync via Wise: Shortcuts → Automation → Transaction trigger, filtered to that card, Run Immediately. Build the same Text line from Transaction Amount / Transaction Merchant, leave cat= empty (it auto-guesses from the merchant map or lands as uncategorized), add source=anz, then Save File to the inbox as above. Every tap-to-pay now auto-logs with zero interaction. Don't also make an Apple Pay automation for a card that's covered by Wise sync (below) — that would double-log it.

Shortcut C — "Log Spend (pick date)" — same as Shortcut A plus an Ask for Input → Date step feeding date=, for backfilling a day you forgot.

Bank-specific automated capture — Wise API sync and ANZ Plus CSV reconcile (click to expand)

These two are set up for the author's own accounts. The pattern generalises to any bank that exports a CSV or exposes an API, but nothing here is required — the URL shortcut and quick-add above cover everything.

Wise sync (covers all Wise spending, with real FX)

Wise personal API tokens support balance statements, so a scheduled Shortcut can pull every Wise transaction — card, online, transfers — including the real exchange rate for foreign spends. Keep the token in the Shortcut, never in the vault (generate it in Wise → Settings → API tokens; rotate or revoke it there if needed).

1. Get Contents of URL → GET https://api.wise.com/v1/profiles, header Authorization: Bearer <token> → profileId.
2. Get Contents of URL → GET /v4/profiles/{profileId}/balances?types=STANDARD → balanceId per currency.
3. Get Contents of URL → GET /v1/profiles/{profileId}/balance-statements/{balanceId}/statement.json?currency=AUD&intervalStart=<lastSync>&intervalEnd=<now>&type=COMPACT.
4. For each activity newer than the last sync, Save File one inbox file: amount=<spend> | merchant=<details> | date=<YYYY-MM-DD> | cur=AUD | source=wise | id=<referenceNumber> (add origamt=/origcur= for foreign spends).
5. Store lastSync and schedule the Shortcut nightly. The id= field means re-runs never double-log.

ANZ Plus reconcile (catch what Apple Pay missed)

The Apple Pay automation only sees in-person taps — not online, direct debits, or BPAY. Monthly, export the bank CSV and run Reconcile a bank CSV; unmatched charges can be sent to the capture inbox. Matching is by date+amount, so already-logged taps aren't duplicated.

Deferred categorisation

Capture is instant and dumb; categorisation is a quick daily review. Anything logged as uncategorized (or auto-guessed wrong) can be fixed from the sidebar's Needs a Category triage list or the daily note directly. Tick "remember this merchant → category" while fixing one and future captures from that merchant categorise themselves (see Merchant map).

Quick add modal

Command Quick add transaction (bind a hotkey) or click the status bar. One field, natural language, live preview:

12 nobu restaurants        $8 #transport Lime        4.50 coffee snacks @yesterday

First number = amount · a cat/sub, #tag or known category word = category · @date (ISO, yesterday, weekday, or anything the Natural Language Dates plugin parses) · the rest = merchant.

Foreign currency, without storing a rate. Put a currency code next to the amount you were charged, then the amount it actually cost in your home currency. Both are recorded; only the home amount counts toward budgets and totals.

58 USD : 83.64 obsidian sync #subscriptions/yearly/obsidian-sync

writes:

- $58.00 USD : $83.64 AUD #log/spending/subscriptions/yearly/obsidian-sync
	- obsidian sync

The code can go on either side of the number and the separator is optional, so 58usd 83.64, USD58 83.64 and $58 USD = $83.64 AUD all parse the same. The preview shows the implied rate (@ 1.4421) so you can see you typed it right — nothing stores it, and nothing converts anything for you. If you give only the foreign amount, quick add says so rather than guessing a rate.

Only real currency codes count, so 58 oak table is still $58 at "oak table".

Duplicate guard. If the same amount and merchant is already logged on that date, the modal says so before you add a second one — a double-tapped Shortcut is far more common than genuinely buying the same thing twice in a day.

Autocomplete — as you type, suggestions appear for categories, merchants, and people (owed=…), all derived from what you have actually logged plus your budget table — there is no category list to maintain. Arrow keys cycle, Tab or Enter accepts the highlighted suggestion, Esc dismisses. Once no suggestions are showing, Enter submits the entry — so typing a full line is just Enter-Enter-Enter through each token, finishing on a plain Enter with the popup closed. Accepting a known merchant also fills in its remembered category.

Date from the open note — with the Quick add uses the open daily note's date setting on (off by default), opening quick add while a daily note is active pre-fills that note's date, so backfilling an old day is frictionless.

Tag language

Kind	Tag	Example bullet
Spending	#log/spending/<category>[/<sub>]	- $12 #log/spending/food/restaurants
Income	#log/income/<key>	- $2400 #log/income/salary
Savings contribution	#log/income/<goalKey>	- $500 #log/income/japanmidyear
Savings withdrawal	#log/spending/goal/<goalKey>/<category>	- $90 #log/spending/goal/rainy-day/medical
Holiday spend	#log/spending/<year>/<key>/<category>	- $40 #log/spending/26/japanmidyear/food
Recurring bill	#log/spending/subscriptions/<cadence>/<name>	- $12.99 #log/spending/subscriptions/monthly/spotify
Owed share (child line)	#log/owed/<person>	- owes: Sam $8.00 #log/owed/sam
Balance snapshot	#log/balance/<account>	- $5,230.00 #log/balance/anz-plus

The amount is a $-prefixed number on the bullet; a child line is the merchant, a second child is a note. Categories are slash paths (food/restaurants).

Because every entry is just a tag, Obsidian's own tag pane doubles as a category browser — nested paths become a real tree, with a live count per level:

Budgets

Budgets are a markdown table in Utility/Budgets/💸 Budgets.md:

| Name         | Category   | Limit | Period | Currency |
| ------------ | ---------- | ----: | ------ | -------- |
| Groceries    | groceries  |   140 | week   | AUD      |
| Shopping     | shopping   |   200 | month  | AUD      |
| All Spending | all        |   250 | week   | AUD      |

A real budgets note, with the free-form Notes section people tend to add below the table:

• Category is a top-level group (food) or a path (food/restaurants); all budgets everything.
• Period: day, week, fortnight, month, bimonth, quarter, year. Limits scale by calendar days when shown over a different range (a weekly $140 shows as ~$600 on a monthly dashboard).
• Bars are pace-aware: a marker shows where you should be today, the colour reflects whether you're ahead of pace (not just over the cap), and each bar shows the projected end-of-period spend and a safe $/day for the days left.
• An all budget also drives the Left / Day card and the daily-spend trend line.
• Trip-tagged spending never counts toward home budgets. An entry like - $40 #log/spending/26/japan/shopping is a withdrawal from that trip's savings goal: it shows on the holiday dashboard and reduces the goal, but is excluded from regular budgets, dashboards, the sidebar totals, and the forecast. Use type: all in a finance-query block for a report that includes trip entries.

Dashboards

Add a fenced code block to any note; each reads transactions from your daily notes.

```finance-dashboard
period: week        # day | week | fortnight | month | bimonth | quarter | year
groupBy: primary    # primary | full
currency: AUD       # optional override
start: 2026-06-01   # optional explicit range (needs end)
end: 2026-06-30
title: June Spending
```

Shows summary cards (total, avg/day, vs previous period, top category), a three-ring category donut — inner ring is the major categories, middle ring is each subcategory as its own colour section (a shade of its parent's hue), and the outer ring splits each subcategory further into its own leaf items — with a nested legend — a daily-spend sparkline with your budget line, pace-aware budget bars, and savings activity. Export CSV from the header. (The sidebar's mini pie stays at major categories; the donut falls back to a flat pie when nothing has subcategories.) A category that's only two levels deep (e.g. shopping/amazon, nothing beneath it) has no leaf level to split into, so its outer-ring band just continues as one uninterrupted block in the same colour rather than an arbitrary extra seam. Shades within a ring are ranked by spend — the biggest item gets the lightest shade of that hue, the smallest the darkest — and hovering any slice (at any of the three levels) shows its name, amount, and share of the total.

holiday-dashboard — planned vs actual trip spend, per-day budget remaining, and a trip calendar. Reads a goal note that has a trip_tag (see Goals), plus its Planned/Allocated tables. Once the trip has ended (past end_date, or the note is archived) the same block automatically becomes a trip reflection: total and after-trip spend, how it landed against the budget, average per day, biggest and quietest days, a per-category table (total, avg/day, share, and the biggest single expense with its merchant), a spend-by-day chart, and planned-vs-paid. Force either mode with view: live or view: reflection.

savings-dashboard — per-goal progress, contributions, sinking-fund set-aside and pace. Reads a goal note (frontmatter goal_key, target_amount, due_date, …).

Every chart shares one hue-family colour system: each major category gets a base hue, its subcategories render as lighter/darker shades of that hue, and pies and legends rank by major-group total with subgroups nested beneath.

These defaults — grouping, week start, and the budget check period — live in Settings → Dashboard:

Goals (savings + trips)

Savings goals and holiday budgets share one frontmatter schema. Any goal with target_amount and due_date automatically shows sinking-fund math — the set-aside needed per week and whether you're ahead of or behind the linear pace. A holiday is simply a goal that also has a trip_tag, dates, and a currency. Command: Create savings goal (or the buttons in settings).

---
goal_name: Roadbike
goal_key: roadbike
target_amount: 3000
starting_balance: 0
due_date: 2026-12-10
active: true
currency: AUD
---

```savings-dashboard

A trip goal adds the trip keys (and optionally `trip_currency` for trip-mode capture):

```md
---
goal_name: Japan Mid-Year
goal_key: japanmidyear
target_amount: 6000
due_date: 2026-06-18
trip_tag: 26/japanmidyear
trip_currency: JPY
start_date: 2026-06-21
end_date: 2026-07-08
total_budget: 6000
currency: AUD
exchange_rates: JPY=0.00877
---

Contributions are - $500 #log/income/roadbike bullets; withdrawals are - $90 #log/spending/goal/roadbike/<category>. The legacy goal_key / holiday_tag frontmatter still parses, so un-migrated notes keep rendering.

Contributing to goals

Command: Contribute to a goal (also the Contribute buttons in the goals block below)

Logs a contribution bullet — - $150.00 #log/income/roadbike — into the chosen day's note. Contributions are virtual envelopes: nothing requires a real bank transfer, so this works whether each goal has its own account or every goal lives inside one lump-sum savings account.

Goals overview block

Command: Insert a finance block → Goals

```finance-goals
account: short-term-savings   # optional — reconcile against a real account
```

One card per goal: saved vs target, the weekly set-aside still needed, ahead/behind pace, and a Contribute button. With account: it compares the sum of your goal envelopes against that account's latest #log/balance/… snapshot and shows the unallocated remainder — the piece of the lump sum not yet promised to any goal (or a warning when you've over-allocated).

Multiple trips & archiving

Commands: Archive finished trips · Archive completed goals (or the per-note toggles and Archive buttons in Settings → Holiday budgets)

You can save for several holidays at once — every goal note with active: true shows in the sidebar and counts toward forecast set-asides, and capture routes to whichever trip's dates match.

When a trip is over — or a savings goal has hit its target — archive it. Archiving writes a frozen Archive summary into the note: the savings steps (every contribution, dated), withdrawals, and for trips how the money was spent during the trip and after its end date. The note is then marked archived: <date> and moved to the archive folder. The note keeps its full history and its dashboards still render when you open it, but it leaves the active set: no more capture routing, sidebar cards, or forecast set-asides.

## Archive summary (2026-07-25)

- Target: $3,500.00
- Saved: $3,500.00 (100% of target) — $500.00 starting balance + 2 contributions

### Savings steps

| Date       |    Amount | Note             |
| ---------- | --------: | ---------------- |
| 2026-05-01 | $1,500.00 | Savings transfer |
| 2026-06-01 | $1,500.00 | Savings transfer |

### How it was spent

- Trip budget: $3,500.00
- Spent during the trip: $2,914.00 across 41 entries
- Spent after 2026-07-24: $40.00 across 1 entry

Recurring payments

Command: Log due recurring payments · Insert a finance block → Recurring payments

Tag a bill once with a cadence subtag under the recurring prefix (default subscriptions; configurable in settings) and it becomes a tracked recurring payment. The amount is inferred from the last logged entry, and next-due from the last logged date plus the cadence (weekly, fortnightly, monthly, quarterly, yearly):

## Finance
- [ ] #log/spending 31.49
	- $12.99 #log/spending/subscriptions/monthly/spotify
		- Spotify
	- $18.50 #log/spending/subscriptions/weekly/gym
		- Anytime Fitness

Then drop this block into any note:

```finance-recurring
```

It shows upcoming bills, overdue items with a one-tap Log now, the total due in the next 30 days, and the cost per month and per year. Each row's actions are weighted: Log now is filled when the bill is actually due, and everything else (Push a week, Skip cycle, Edit, Pause) stays as a quiet outline, so the eye lands on the action worth taking without reading every label. An optional setting (Auto-log recurring payments) logs each item automatically on its due day. Anything due or overdue also stays pinned in the Daily Budget sidebar until you log it — see below.

Log now logs today, not the due date — click it (from the sidebar, the block, or manage mode) and the bullet is dated on the real day you actually paid it, even if that's a few days after it was due. The cadence schedule itself doesn't drift because of this: it keeps advancing from the due date that was just fulfilled, not from today, so a late payment never pushes every future due date out by the same number of days. Skip cycle works the same way (logs a $0 entry, the schedule moves on, the price is remembered), and Push a week moves only the next due date — for the month the rent lands late, without touching the cadence. Sort order — the Settings tab has a Sort bills by dropdown (due date, cost per month, or name) that reorders the Upcoming bills list, the sidebar's due-bills card, and the settings list below all at once.

Managing bills — command Open recurring payments note creates a management page (a normal note with a manage: true block). In manage mode every item gets Log now, Push a week, Skip cycle, Pause, Auto-log, and Edit. Only the bill that is actually due gets a filled Log now — everything else stays a quiet outline, so six controls on a card still read as one obvious action:

Scheduling a price change, or giving a bill an end date or a payment count, is behind Edit:

Pausing, retiring and removing — Pause moves a bill into a collapsed Archived section at the bottom of the block. A bill that reached its End Date or ran out of Payments Left lands there too, labelled ended 2027-03-01 or all payments made rather than paused. From there, Resume (or Restart, which also clears the terms) brings it back, and Remove completely drops it for good — even if you later log another entry with the same tag, it will not resurface. Either way its history stays intact in your notes.

In settings — Settings → Recurring payments lists every current bill as a scrollable table with the header pinned, so Active and Auto-log can be toggled for all of them in one place. Paused, retired and removed bills are not listed here; that view is only for bills still running.

Runway

Command: Insert a finance block → Runway · Settings → Runway

How much do I need to keep available to be safe for the next month?

Runway answers that and nothing else. It is a read-only figure — there is no envelope to fund, no balance, no contributions and no bookkeeping. Pick a period and what counts, and it reads the bills you have already logged:

Keep $395.27 available for the next 1 month Recurring bills only, between today and 2026-08-29 · 11 bills due

Two settings, both in Settings → Runway:

Setting	Options
Runway period	1 week · 2 weeks · 1 month · 2 months · 3 months · 6 months
What counts	Bills + usual spending (default), or recurring bills only

The settings page shows the resulting figure live, so choosing a period is not abstract.

The figure walks your actual schedule. It is the sum of every bill occurrence that lands inside the window, not a monthly average scaled up. A $900 annual insurance renewal is worth nothing while it is eleven months away and worth all $900 the moment it enters the window — because that is the month you need the money. "Bills + usual spending" adds your average discretionary spend over the last 90 days, scaled to the window.

Every bill making up the total is listed with its date, soonest first, so the number is never a black box. There is also a per week and per day breakdown. The same card also appears at the bottom of the recurring payments block, since that is where your bills live.

If you tracked a bill reserve in 0.6, those #log/income/billreserve bullets are left alone. They no longer feed a balance, but they still count as transfers rather than income, so your reviews and forecasts are unaffected.

Split expenses

Command: Settle up split expenses · Insert a finance block → Split expenses

Quick-add and obsidian://finance-capture accept split=N (even split — your share is amount ÷ N) and owed=Name:$X tokens:

24 nobu restaurants split=2          → you owe $12, someone owes you $12
30 dinner restaurants owed=Sam:$10   → Sam owes $10 of the $30

The full amount stays on the bullet, with a hand-editable child line per person. Only your share counts toward budgets:

	- $24.00 #log/spending/food/restaurants
		- Nobu
		- owes: Sam $12.00 #log/owed/sam

The ```finance-splits``` block and a sidebar card sum outstanding balances per person. Settle up logs the repayment as income (- $12.00 #log/income/settleup/sam) and appends · settled <date> to the owed lines.

Trip mode

Commands: Start trip · End trip

Start trip picks a trip goal note and, until you end the trip, quick-add and URL captures default to the trip tag — and to the trip currency when trip_currency is set, converting to your home currency through the note's stored exchange rates. The sidebar shows spent-today, trip budget remaining, and a safe $/day for the days left.

Forecast

Command: Insert a finance block → Forecast

```finance-forecast
months: 6
```

Projects recurring income, minus recurring bills, minus your trailing-90-day average discretionary spend, forward N months — including committed goal set-asides — as a line chart with a ~$X by <date> headline. Override any input with income:, bills:, discretionary:, setaside:, or start:.

Net worth

Command: Snapshot balances · Insert a finance block → Net worth

Snapshot balances logs one bullet per account into today's daily note (accounts you've snapshotted before are pre-filled):

- $5,230.00 #log/balance/anz-plus
- $812.40 #log/balance/wise

The dashboard renders the balance trend from those bullets — no extra files:

```networth-dashboard
```

Query block

Command: Insert a finance block → Query

A read-only report over your entries — filter by category, tag, merchant, or date range; group by category, merchant, or month; sum or count:

```finance-query
period: month        # or start: / end: dates
category: food       # optional prefix filter
merchant: nobu       # optional substring filter
type: spending       # spending | income | all
group: category      # category | category-full | merchant | month | none
op: sum              # sum | count
view: table          # table | categories | bars | income-expense | cumulative
```

Views: table (grouped sums), categories (ranked category table with percentages), bars (ranked bars), income-expense (monthly income-vs-expense bars), cumulative (cumulative balance line).

Year & quarter reviews

Command: Insert a finance block → Year in review / Quarter in review

Unlike the other entries in that list, these two don't insert a live code block — they compute the numbers once, right now, and insert the finished markdown at your cursor. Run one inside a "Yearly Review" or "Quarterly Review" note (or any note) to drop in a frozen snapshot for the current year/quarter: total spent and income, the best and worst month by spend, the top spending categories with their share of the total, and a transfers summary (savings contributions, savings withdrawals, settled split repayments received, and runway contributions). Re-running the command later produces a fresh snapshot reflecting whatever you've logged since.

## 2026 Year in Review

- Period: 2026-01-01 to 2026-12-31
- Total spent: $18,240.55
- Total income: $64,000.00
- Best month (lowest spend): 2026-02 — $980.10
- Worst month (highest spend): 2026-07 — $4,011.45

### Top spending categories

| Category | Total | % of spend |
| --- | ---: | ---: |
| Food | $5,120.30 | 28% |
| Subscriptions | $2,890.00 | 16% |

### Transfers

- Savings contributions: $3,000.00 (4)
- Savings withdrawals: $250.00 (1)
- Settled repayments received: $120.00 (2)
- Runway contributions: $400.00 (4)

Daily budget sidebar & status bar

The Daily Budget sidebar (ribbon coin icon) shows today + period spend, a Left/Day card, a mini pie, compact pace-aware budget rows (tap a row for the detail), savings goals, split balances, a Recurring bills due card, and a Needs a Category triage list.

Recurring bills due lists every overdue or due-today bill with a one-tap Log now, and stays put — it doesn't disappear until each bill is actually logged, so it can't get lost among the rest of the sidebar.

Tap a triage entry to edit its amount, category or merchant, delete it, or tick "remember this merchant → category" to teach the merchant map. Captures with a known merchant auto-categorise from it.

The status bar shows 💸 Today $X · Week $Y · 📥 N (N = pending captures); click it to quick-add.

Merchant map

Learned merchant → category associations live in plugin settings (data.json), not a vault note — there's nothing to hand-edit. The only way in is the "Remember this merchant → category" checkbox (in the sidebar triage list or the edit-transaction modal); the only way out is Settings → Merchant map, which lists every learned merchant with a Remove button. Future captures from a known merchant auto-categorise using this map (see Deferred categorisation).

If you're upgrading from an older version, any existing Merchant Map.md note is read once, folded into settings, and then deleted automatically — no action needed.

Reconciling against the bank

Command Reconcile a bank CSV: paste an ANZ or Wise export. Rows are matched by date+amount (so merchant-name differences don't cause duplicates); unmatched charges can be sent to the capture inbox to log and triage.

Commands

Run any of these from the command palette (Cmd/Ctrl+P). Obsidian prefixes each with Finance Tracker:.

Command	What it does
Quick add transaction	Opens the quick-add modal — one field, natural language, live preview.
Open daily budget	Opens the Daily budget sidebar (same as clicking the ribbon coin icon).
Log due recurring payments	Logs every recurring bill whose next-due date has arrived (loops to catch up several missed cycles), same as Log all due in the block.
Contribute to a goal	Log a contribution to a chosen goal and date.
Settle up split expenses	Outstanding split balances per person, with one-tap settle (logs the repayment as income).
Snapshot balances	Log one balance bullet per account into today's note, pre-filled with each account's last snapshotted value.
Insert a finance block	Pick a block from a list — dashboard, recurring payments, goals, splits, forecast, net worth, query, or a frozen year/quarter review — and insert it at the cursor. Replaces the eight separate Insert … block commands.
Start trip / End trip	Switches quick-add and URL capture to a trip's tag and currency, and back.
Add trip exchange rate	Add or update an exchange_rates entry on the active trip note.
Create savings goal	Create a savings-goal note from the shared goal/trip frontmatter schema.
Archive finished trips	Archives every trip past its end_date — writes a frozen summary and moves the note to the archive folder.
Archive completed goals	The same, for every savings goal that has reached its target.
Process capture inbox	Processes every file waiting in the capture inbox folder immediately, instead of waiting for the next automatic drain.
Reconcile a bank CSV	Paste a bank or Wise CSV export; matches rows by date+amount and can send unmatched charges to the capture inbox.
Repair daily note totals	Recomputes the #log/spending running total on every daily note in one pass. Individual notes heal when opened; this fixes a whole backlog at once.
Export transactions to CSV	Exports every transaction ever logged (all time, all categories) to a CSV file.
Open budgets note	Opens (creating if needed) the default 💸 Budgets.md note.
Open recurring payments note	Opens (creating if needed) the recurring payments management note.
Set up finance notes	Opens the guided setup wizard — picks folders and currency, then creates any missing starter notes (never overwrites existing ones).

Key settings

Settings are grouped into Capture, Dashboard, Trips, Savings goals, Recurring payments and Setup. Anything that first-time setup sets for you — folder paths, the finance heading, the spending root tag, note filenames, the merchant map — lives behind an Advanced disclosure in its section rather than in the default view.

The Capture section opens with a live status line (Reading 412 entries across 89 notes — 2024-01-03 to 2026-07-29). If the daily-notes folder or finance heading is wrong, that line says so instead of leaving you with a silently empty dashboard.

dailyNotesFolder, spendingHeading (## Finance), defaultCurrency, budgetsFolderPath / defaultBudgetNoteName, captureInboxFolder, merchantMap (learned merchant → category pairs), autoDrainInbox, budgetCheckPeriod, weekStartsOn, activeHolidayBudgetPath, recurringTagPrefix (subscriptions), recurringNoteName (🔁 Recurring Payments.md), excludedRecurringItems, autoLogRecurring, quickAddUseNoteDate, tripModeActive / activeTripGoalPath, schemaVersion (settings migrations run once, then never again).

The daily-note folder and date format are auto-detected from the Journals community plugin or the core Daily notes plugin when present; the manual setting is the fallback.

Limitations

Worth knowing before you install:

• You have to tag things. There is no bank connection and no receipt OCR. Capture is fast (a Shortcut on an Apple Pay tap, or one line in quick add) but a transaction only exists once something writes the bullet.
• No bank sync. The CSV reconcile tells you what you missed; it does not import. Deliberate — a bank connection would mean credentials and a network.
• Mobile capture needs a Shortcut (or the quick-add modal). The obsidian:// URL works with any sync; the file-based capture inbox needs a vault your Files app can write to.
• Multi-currency is trip-shaped. One home currency plus date-ranged rates per trip. If you hold two currencies permanently, this is not the model.
• Amounts are per-note, not double-entry. There are no accounts and no balancing — a bullet is a bullet. Balance snapshots cover net worth instead.
• No credit-card statement tracking (limits, utilisation, closing dates).

Development

npm test     # checks the core mirror, then runs node --test over tests/*.test.js
npm run mirror   # regenerate main.js's core IIFE from finance-core.js

Shared logic lives in finance-core.js — the single source of truth, and the only file the tests import. Obsidian loads main.js directly (no bundler), so that same logic also has to exist inside main.js as the core IIFE.

Do not edit the IIFE by hand. Edit finance-core.js, then run npm run mirror. scripts/mirror-core.js derives the IIFE by a deterministic transform (drop "use strict", indent by two, turn module.exports = { into return {), and npm test fails if the two have diverged. This used to be a convention maintained by hand, and by 0.6.0 it had quietly drifted in four places — including a default that differed between the tested code and the shipped code.

Tests are in two files:

• tests/finance-core.test.js — unit tests for individual core functions.
• tests/integrity.test.js — invariants across the whole write→read cycle: everything written parses back unchanged, and the running total on a note's root line always equals the entries beneath it. These guard the paths where a bug silently corrupts a user's notes rather than just showing a wrong number.