Every dollar, traced back to
the statement it came from.

Bank, credit card, paystub, mortgage, brokerage, 401(k) and crypto PDFs — whatever format your institution uses. Each import is checked against the totals the document itself prints, so you know when something did not come through.

Spending, a transfer between your own accounts, a card payment, a loan repayment, an investment, a reimbursement, a wager. Only real outlays count as spending, which is why the totals mean something.

Click any total, anywhere, and you get exactly the rows it was worked out from with the filters already applied. If a number looks wrong you can see why in one click instead of taking it on trust.

Import an expense export and each claim is matched to the actual charge on your card — same amount and merchant first, then near amounts, then one claim covering several charges. Reimbursed spending stops counting as yours.

If your paycheck is split across several banks, TMM matches every payslip to the deposits it produced, account by account, and tells you when one is short — and whether the reason is a missing deposit or just a statement you have not downloaded.

A run of charges away from home becomes a trip with its own total, net of anything work paid back. Rename, merge or split them; a bank describing its own plumbing never becomes a holiday.

A month against the month before, a year against the same span last year, and an all-time view by detailed category with a per-month average over the months that have actually elapsed.

Monthly ceilings on the categories you can actually change — never on a mortgage — with the pace shown so a month half over is not called a failure. Goals are the other half: an amount to save or to pay down, ordered as a funnel.

Bank balances, investments, house equity and crypto against what you owe. The mortgage is counted once — inside the equity — not twice.

“What did I spend in July 2020?” “How much at Wegmans last year?” “What was my biggest month?” Answered from your own figures, with the transactions one click away. Connect your own AI key if you want it to understand anything you can phrase.

Every subscription and standing bill, what it costs a month, when it last billed — and which ones quietly stopped, which is usually the more interesting list.

Invite a partner by email. Each account belongs to one of you or is held jointly, and every report runs for either person or both.

Linking on its own shares nothing. You then choose, one account at a time, which of yours they may see — and only that account crosses over. Untick it and their copy is deleted. Either of you can undo the link entirely, which removes everything both of you had shared.