Home

Home is the first screen you see when you open Cuéntamo, and its control panel: it gathers what matters about your finances at a glance. At the top, how much you can spend without breaking your forecast; then a snapshot of your net worth (what you are worth today); below it, if you keep debts with other people, the debts block (who owes whom); then the month at a glance with income, expenses and their breakdown by category; and then your budgets, your savings goals, your investments and the upcoming forecast transactions heading your way.

It is not a screen where you do things, but where you check the overall state and jump into the detail from there. Almost every block is a shortcut: click it and it takes you to the matching full screen (Transactions, Budgets, Net worth…). Think of it as the living index of your finances.

Some blocks depend on Cuéntamo Más or on having the relevant module enabled (investments, manual net worth). Where that is the case, we say so; if you don't have that feature, the block simply doesn't appear.

The welcome wizard (getting set up)

The very first time you come in, before you see Home, a full-screen welcome wizard walks you through the setup. It has five steps, with a progress bar across the top:

• Your account book. You name it and choose its base currency (euro, dollar, pound, several Latin American currencies…). It is the unit where all your accounts and transactions will live.
• Your first account. Name, type (checking, savings, credit card, cash, investment or other) and the balance it holds today. If you already had accounts, the wizard skips this step and shows you the ones you have.
• Add more accounts? A summary of what you created, with the option to add another or continue.
• Import your history. For each account you can load your bank statement (see bank import). Cuéntamo makes sure your current balance still adds up after importing: if you declared a balance, it recalculates the initial one so the history isn't inflated. Each imported account is marked with a tick .
• Sample data. If you don't have a statement to hand, that same step lets you pick a situation close to yours (student living with parents, employee renting, couple with children and a mortgage…) and Cuéntamo drops it into your book — accounts, recurring items and a few variable-spending budgets — so you can see the forecast working from minute one. The figures are made up, they're flagged as sample data, and one button removes them once you have your own.
• Detect recurring items. If you imported transactions, a step offers to automatically detect your periodic income and expenses (see recurring items) so the forecast starts on solid ground.
• Your variable spending. If you imported transactions, it then suggests a budget for each variable-spending category (groceries, restaurants, leisure…) based on your average spending over the last three months. You accept them with one click, adjusting the amounts if you like, or leave it for later. Whatever is left to spend in each one goes into the forecast, so it doesn't show more money than you'll actually have (see budgets).

The last step is a congratulations screen with a small chart of your balance forecast. When you click “Finish”, the wizard closes for good (it won't show again) and drops you into the Forecast.

The wizard doesn't appear if you joined someone else's book by invitation: in that case the book is already set up and you land straight on Home.

The “getting started” checklist

Once inside Home, for the first few days you will see a getting started card: a checklist with a progress bar that guides you to get the most out of the app. The steps are:

• Create your account book (already done when you signed up).
• Add accounts (ticked once you have two or more).
• Create a recurring item (at least one).
• Create a budget (at least one) for your variable expenses: groceries, restaurants, leisure… They aren't fixed, but you know they'll come during the month, and whatever is left to spend in each budget goes into the Forecast as an expected expense at month end (see budgets).
• Record a real transaction.
• Visit the Forecast.
• Set up quick access (your custom menu; see quick access).

Each pending step has a “Go” button that takes you exactly where you need to be. When you complete them all, the card congratulates you and disappears on its own after a few seconds. You can also dismiss it at any time with the “×” in the corner; once dismissed, it doesn't come back.

Start from a typical situation (a starting point)

If your book still has no real movements, Home offers to start from a typical situation instead of leaving you with a blank page. The reason is simple: without movements there is no forecast, and the forecast is exactly what Cuéntamo does for you.

You pick the situation closest to yours — student living with parents, employee living with parents, employee renting, employee with their own home and a mortgage, and the four couple combinations (with or without children, renting or with a mortgage) — and Cuéntamo creates in your book the accounts, recurring items and a handful of recent movements for that profile, and generates the matching forecast.

From there you have two paths:

• Make it yours. The figures are typical averages so you don't start from scratch: tweak them to yours (your salary, your rent…) by editing them like any movement, then press «Make them mine» to turn them into real data. They stop being an example and stay.
• Or remove it. Until you make it yours, everything stays flagged as sample data, and the «Remove them» button deletes it all at once — accounts, recurring items, movements and forecasts — without touching anything you created yourself. Handy if you picked the wrong profile or would rather start from scratch.

The same thing is available in the data step of the welcome wizard and under Settings → Tools.

How much can I spend?

The first thing you see is a figure: how much you can spend today on a one-off purchase without your forecast balance going negative and, if you keep an emergency cushion, without touching it (with the cushion covered, that's your surplus: to spend or to invest, and below it you'll see whether your annual pace sustains it). It is the same figure as the “How much can I spend?” card in the Forecast, calculated the same way: it already takes off everything you have scheduled —recurring items, this quarter's taxes, debts— so you don't need to subtract anything yourself.

Click “Where does this figure come from?” to see the whole sum, which matches to the cent:

• Today's balance of the accounts included in the forecast.
• Expected income arriving before the lowest point.
• Expected taxes: the VAT and income tax payments Cuéntamo schedules for you if you use the freelancer module.
• Fixed expenses: the ones generated by your recurring items.
• Other expected transactions: the ones you entered by hand, with no recurring item.
• The lowest point your balance reaches over the next five years, and its date.
• The emergency cushion, if you have one (you choose the months in the Forecast).

Why the lowest point and not today's balance? Because a purchase today lowers every future balance by the same amount: if in three weeks you pay VAT and your insurance, what you can spend today is what will be left that day, not what you see in the bank right now.

If you're still building your cushion, instead of “€0” you'll see how much is left and the date you'll have it at your current pace. Below it, the pace: if you set aside for spending part of what's left over each month (25, 50 or 75%, your choice), how much that is per month and when the cushion will be complete then. That spending comes only from what you're going to save, never from what you've already saved.

If your forecast balance drops below zero, instead of the figure you'll see how low it goes and when. On the free plan, the block only tells you that it happens; whatever falls inside your forecast window is shown in detail in the Forecast.

If you use the freelancer module and don't have your self-employed contribution set up as recurring, the block reminds you: without it, the figure comes out higher than it really is. The “Add it as recurring” button opens the form already prepared (monthly, Social Security category); you only need to enter the amount on your latest receipt.

Upcoming renewals

If any insurance or subscription is about to renew (90 days ahead for insurance, 7 for subscriptions), the “Upcoming renewals” block appears with the charge, the amount, the renewal day and a hint: compare or cancel the insurance, cancel the subscription if you no longer use it. It shows even if you've switched off the email reminder. The renewal date is set on each recurring item. If you're keeping it, click “Keeping it” and you won't be reminded about it again (turn it back on by clicking its label in Recurring).

The net worth block

Below it is your net worth: everything you have minus everything you owe, worked out from your accounts, investments and —if you have added them— your manual assets and liabilities (house, car, mortgage…). The big number is your net worth (in red if negative), and just below it the total assets (in green) and total liabilities (in red, with a minus sign) are split out.

Because the server computes it from your real data, this figure matches to the cent with the rest of the app. It is your total balance, expanded: not just liquid cash, but your whole wealth.

If you have assets or liabilities added by hand, an “include manual” toggle appears: turn it off to see only your liquid money (accounts and investments), turn it on for the full picture with house, car and debts. The preference is remembered on that device.

The composition by class (expandable)

Below the net figure is the Composition: your net worth broken down by type of asset, ordered from the most liquid to the least. Each line shows its total (in red if it subtracts, like debts), and the ones grouping several items expand when clicked.

The classes you may see, depending on what you have:

• Cash and accounts: the balance of your accounts — checking, savings, cards and cash.
• Investments: your positions at market value, plus the cash in investment accounts.
• Fixed income: active deposits, bills and bonds (each shows its maturity date when expanded).
• Real estate, vehicles, external savings, valuables and other assets: your manual net-worth assets.
• Credit cards, mortgages, loans and other debts: the liabilities, which subtract.

When you expand a class you see each item by name; accounts also show their type, and fixed-income products their maturity date. One important detail: inactive accounts with a balance also count (that money is still yours), so the composition stays consistent with the net figure.

With Cuéntamo Más, at the foot of the composition there is a “manage manual” link that takes you to the Net worth screen to add or edit the house, car or mortgage.

The evolution chart (Cuéntamo Más)

With Cuéntamo Más, next to the net figure you get an evolution chart: how your net worth has grown (or shrunk) over time, with one point per month-end plus today. This shows you the trend, not just the snapshot of one instant.

You can narrow the window with the 1 year / 2 years / 5 years / All buttons (only the ranges that add something for your history are offered). A small recalculate button (the circular icon) rebuilds the series by hand in case you want to force an update; normally it recalculates on its own when your data changes. If there isn't enough history yet, you will see a notice instead of the chart.

The composition and the net worth total are for everyone; the evolution history and the management of manual assets/liabilities require Cuéntamo Más.

Notice about currencies with no exchange rate

If you have accounts in a currency other than your base currency and Cuéntamo doesn't have the exchange rate to convert them, a discreet amber notice appears telling you which currencies are missing, with an “update rates” button that tries to fetch them right away. Until a rate is available, those accounts can't be converted to your base currency accurately.

The debts block (who owes whom)

Right before the month at a glance, if you have debt/reimbursement accounts, the Debts block appears: it brings the balance with each person into a single view, so you can tell at a glance who owes you and whom you owe without going account by account. If you don't have that kind of account, the block doesn't appear.

At the top, three summary figures: Owed to you (the sum of what you're owed), You owe (the sum of what you owe) and the Net. Below, the list per person, green if they owe you and amber if you owe, sorted by amount. If you handle several currencies, each has its own block (balances in different currencies are never mixed).

Each person is actionable: click their name to see the movements that make up that debt, or press “Settle” to record the payment that brings it to zero. Already-settled debts are hidden; a link shows them if you need them.

Both expense splits and “Log a debt”, as well as connected accounts, feed into this view; the latter carry a “Connected” badge, because their balance updates automatically on both books at once.

The month at a glance

The next block sums up a specific month in three cards: income (in green), expenses (in red) and the balance (the difference). At a glance you know whether the month was up or down.

Above them you have the controls to choose which month you are looking at:

• Two arrows to go to the previous or next month (you can't move past the current month).
• The month name, which opens a small calendar to jump to any past month; it includes a “Today” button to return to the current month. Future months are disabled.
• A tag filter to see only the transactions with those tags.
• If you use the investments module, an “include investments” checkbox that adds (or not) the movements of your investment accounts to the summary. The preference is remembered.

The summary respects the rules of what counts as income/expense: transfers and movements flagged not to count are left out.

The breakdown by category (the donuts)

If the chosen month has transactions, below the summary two donut charts appear: one for income and one for expenses, split by category. Each donut comes with the list of categories with their percentage and their amount.

The top ten categories are shown; the rest are grouped into a grey slice labelled “Others”. When you click any category in the list (except “Others”), Cuéntamo takes you to Transactions already filtered by that category and that month, so you see exactly what is inside. It is the quick way to go from “where is my money going?” to the concrete detail.

The investments widget

If you have the investments module enabled and there is capital invested, a summary of your portfolio appears with three figures: the total value, the unrealized gain (what you have gained or lost against what you paid, with its percentage) and the dividends this year.

Below, a coloured bar splits the portfolio by instrument type (stocks, ETFs, funds…) with its legend. A “view portfolio” link takes you to the full Investments screen. If you have no investments or the module is off, this block isn't shown.

The budgets of the month

The budgets block shows how you are doing on spending in each capped category, with a progress bar per budget: green if you have room, amber as you near the limit and red if you have gone over. Each line shows what has been spent against the cap.

Clicking any budget (or the “view all” link) takes you to the Budgets screen. If you don't have any yet, the block invites you with a link to create your first one.

The savings goals

The savings goals block shows your active goals (up to three, ordered by the nearest target date), each with its progress bar, the percentage reached and the months remaining. Goals completed recently (in the last thirty days) appear marked in green as a small celebration.

Clicking a goal or the “view all” link takes you to the full screen. If you have none, the block offers to create the first one.

The upcoming forecast transactions

The last block lists your five upcoming forecast transactions: the future income and expenses Cuéntamo has generated from your recurring items, ordered by date. For each one you see the concept, the date, the account, the category and the amount.

Click any of them and you jump to Transactions with that movement highlighted, in case you want to confirm it, edit it or check the context. It is a quick look at “what is coming” without opening the full Forecast. If you have no forecast transactions, this block doesn't appear.

The quick-entry button

In one corner of Home (and throughout the app) you always have the floating quick-entry button to hand: a shortcut to jot down an income or expense without leaving where you are. It is the fastest way not to leave any movement unrecorded in the moment.

How it fits with the rest

Home is the meeting point: it brings together on a single screen what lives separately across the rest of the app. Net worth tells you what you are worth today (detail in Net worth and Accounts); the month summary and the donuts, where your money goes (detail in Transactions); the upcoming items, what is coming (detail in Forecast); and budgets, goals and investments, how you are doing on your plans. From here, one click takes you to any of them.