HoneyMoney — Guide

📖 How to use it

1. Pick a persona — the switcher at the top of /graph flips between one person, a couple and a family. Same engine, same three buckets — only the household changes size.
2. Read the money as a picture — six views over the same data: Sankey (flow of every ringgit), Treemap (where the budget sits), Tree, Organic network, Budget bars, and Flow.
3. Focus a lens — slice everything by an income stream, a bucket/expense, a category, or a person (their spend only). One click to clear.
4. Add anything — ➕ Add to the graph panel adds a spend, an income stream, a bucket/department, or an allocation. For a spend you can type it, 🎤 speak it, or 📷 scan a receipt — the last two run on your device, free, with no AI tokens.
5. The 3 buckets — money splits into Must-paid, Savings (your future shield), and Spendings — the Spendings bucket is not itemized, by design.

🤖 The AI — what it does (and doesn’t)

AI is optional. The app runs at RM 0 with no key at all — voice capture and receipt scanning work on your device. Turn AI on and capture becomes an assistant that reasons over your own money graph, not a generic chatbot: it always proposes, you confirm, and nothing is saved until you say so.

• Reads a receipt in the context of your history — Forward a photo or e-wallet screenshot — Honey reads the amount, merchant and date, files it into the bucket you usually use for that merchant, flags a likely duplicate (the “same receipt sent by both partners” trap), and notices a subscription or an amount unusual for you — measured against your own past, not a stranger’s average.
• Forward-looking, never a scold — Honey’s insight looks at where the month is heading — e.g. “at this pace your Savings goal slips about six weeks” — and offers a rebalance you can take or ignore. It talks about the plan, not your personal spending, and never itemises Bucket 3.
• Works offline, costs nothing — Voice and receipt scanning run on your device with no tokens. Add a free key (Groq · Gemini · Ollama) only if you want the smarter, graph-grounded reading. Set it up →
• You stay in control — The AI proposes; you confirm or correct. Your correction is what gets saved, and every change is written to a tamper-evident audit trail.

Honey is educational, not financial advice — see the disclaimer below.

📲 Install on your phone

Add HoneyMoney to your home screen — it works offline, no app store. On Android, open the ☰ menu → “Install app” for a one-tap install. On iPhone / iPad, Apple only allows it through Safari: