One wallet, three ways to look

Open Money and switch All, Personal, or Business. The same books sit underneath. Four cards stay at the top: Cash Available, Cards and Loans Owed, Upcoming Bills, and Income and Sales.

Ask in chat what bills are due, or how many months the cash lasts. The answer uses the numbers you saved. An empty list says it is empty.

Mail can suggest. You decide.

Money Check reads finance mail and turns a real amount into a Suggested Update. Accept writes it onto a bill or a balance. Ignore hides it. Ruby does not silently replace a number you typed.

If that vendor is already on your bills, you see the saved bill and the line from the message, then mark it paid or update that bill. A new bill still asks before it is added. On the Mac you can open the message behind the suggestion.

Bills you own

Bills Check is your list: add, edit, mark paid, or delete. Set a due date and, if it repeats, mark paid moves the date forward instead of leaving it paid forever. Link a bill to a client, a household, or your own business. A client bill can be marked reimbursable so it stays out of the monthly burn you use for personal cash.

Income and Sales works the same way. Enter the gross and the fees. Ruby shows the net. A repeating line can record the next one. Mark the lines that count toward a typical month, such as a retainer, and leave a one-off sale unmarked.

Under Business, Products and Services is the rate card: what you sell, the rate, and the unit.

How many months the cash lasts

Cash Check holds the accounts you add: checking, savings, cards, and loans, each marked personal or business. Months of cash is cash available divided by what you spend beyond what comes in. You type the monthly income and expenses, or fill income from the clients and the lines you marked, then save. A balance older than 45 days is marked stale.

Stripe, from a key that stays on the Mac

A restricted key on the Mac can read paid charges and invoices. They arrive as suggestions. You accept one before it becomes income, and Ruby can link it to a client when the name already matches someone you saved. The key stays off the phone.

Balances from mail, or from one link

Bank sign-in is off until you turn it on. Until then, balances come from the alert emails that state an amount. Or you choose one bank link. Ruby asks the bank when you press the button. The phone can read those balances. Spending still waits for you.

The same books on the phone

iPhone, iPad, and the browser show the same four cards, the bills, the income, and the products. Add or edit there and it saves on the Mac. Refresh pulls the Mac’s ledger. It does not pull the bank.