CENTMOND Documentation

1. Introduction
2. Getting Started
3. Dashboard: Your Financial Overview
4. Transactions: Recording and Managing Your Money
5. Budget: Planning Your Spending
6. Insights: Understanding Your Finances
7. Settings & Advanced Features

CENTMOND is a comprehensive personal finance management application designed to empower users to take control of their money. It simplifies the process of understanding spending habits and making informed financial decisions.

Simple to use, powerful in insights. CENTMOND focuses on providing an intuitive experience while delivering deep financial understanding through features such as:

• Rapid expense tracking (within 10 seconds)
• Realistic budget setting
• AI-powered financial analysis
• Professional report generation
• Robust data privacy and security

CENTMOND caters to a diverse user base, including:

• Students managing limited budgets.
• Young professionals establishing sound financial habits.
• Families tracking household expenses.
• Freelancers monitoring business costs.
• Anyone seeking enhanced control over their personal finances.

Upon the initial launch, users will briefly see a Launch Screen displaying the app icon and brand colors while data loads.

CENTMOND utilizes Firebase Authentication to ensure secure account management.

Users can create an account via:

1. Email & Password:

• Tap "Sign Up."
• Enter an email address.
• Create a strong password (minimum 8 characters).
• Confirm the password.
• Tap "Create Account."

1. Google Sign-In:

• Tap "Continue with Google."
• Select a Google account.
• Grant necessary permissions.

• Password Requirements: Minimum 8 characters; inclusion of numbers and symbols is recommended.
• Secure Storage: Passwords are never stored locally and are managed by Firebase Auth.
• Biometric Lock: Optional Face ID/Touch ID for enhanced app access security.
• Auto Logout: A secure timeout is implemented after a period of inactivity.

Setting a budget is crucial for CENTMOND to provide meaningful insights. Without a defined budget, the app can track expenses but cannot offer comprehensive financial analysis.

Steps to Set Your Monthly Budget:

1. Navigate to the Budget tab (third icon at the bottom).
2. Locate the "Set Monthly Budget" card.
3. Enter your total desired monthly budget (e.g., €3000).
4. Tap "Start" (for first-time setup) or "Update" (to modify an existing budget).
5. Once set, all analytics will activate.

Tips for Setting a Realistic Budget:

• Review previous month's bank statements.
• Include all expenditure categories (e.g., rent, food, transport).
• Begin with a conservative estimate; adjustments can be made later.
• For the first month, consider setting a tracking budget to observe actual spending patterns.

The Dashboard serves as the central command center, offering an immediate overview of your current month's financial status.

• Large Date Number: Displays today's date prominently (e.g., "13").
• Month & Year Title: Shows the currently viewed month (e.g., "February 2024").
• Month Picker: Tap the calendar icon to navigate between months, allowing review of historical data or planning for future periods. Swiping or using arrows facilitates quick month changes.

Provides real-time feedback on your budget's health:

• Green "Budget Set": An active budget is in place, and tracking is optimal.
• Orange "Category Budget Alert": One or more category budgets are nearing their limits.
• Red "Budget Exceeded": Monthly spending has surpassed the overall budget.
• Gray "Start from zero": No budget has been set yet; tap to configure.

This action permanently removes all data for the currently viewed month, including transactions, category budgets, and monthly budget settings. Use with extreme caution as this action cannot be undone. A confirmation dialog will appear before deletion.

Indicates the real-time cloud synchronization status:

• Green checkmark: Data successfully synced to the cloud.
• Spinning icon: Synchronization is in progress.
• Orange warning: Sync is pending and will be retried.
• Red X: Sync failed; check your internet connection.

Last sync time displays how recently your data was backed up (e.g., "Synced 2 min ago"). Tapping the icon forces an immediate sync.

Provides quick access to add new expenses or income. Tapping opens a transaction form pre-filled with today's date, allowing for rapid recording.

Three essential metrics are prominently displayed:

Shows the total amount spent this month (expenses only, excluding income).

Calculation:

Spent = Sum of all expense transactions this month

Visual Indicators:

• Displayed in plain text, formatted with currency (e.g., "€1,245.50").
• Updates in real-time with new expenses.

Indicates how much money is left to spend for the current month.

Calculation:

Remaining = Budget - Spent + Income

Visual Indicators:

• Green: When significant income boosts the remaining budget (income > 10% of budget).
• Red: When the budget has been exceeded (negative amount).
• White: Normal remaining budget.

Represents the average daily spending.

Calculation:

Daily Avg = Total Spent / Days Passed in Month

Utility:

• Helps project end-of-month spending.
• Identifies if spending is occurring too rapidly.
• Facilitates mid-month spending adjustments.

Provides a visual representation of daily spending throughout the month.

• Area Chart: A smooth, curved line with a filled gradient area, depicting spending trends in a blue color scheme.
• Data Points: Each day of the month is represented, with dots marking days containing transactions. Empty areas indicate days with no spending.

• Tap on any day: Displays the exact date (e.g., "13 Feb 2024") and total spent for that day in a quick summary tooltip.

• Healthy pattern: Relatively even spending distribution with controlled peaks.
• Warning pattern: Large spikes, inconsistent spending, or a steeply increasing trend line may indicate overspending.

Offers a visual breakdown of spending by category.

CENTMOND includes 11 built-in categories:

1. Groceries 🛒: Food shopping, supermarket purchases, household supplies.
2. Dining 🍽️: Restaurants, cafes, takeout/delivery.
3. Transport 🚗: Public transit, gas/fuel, parking, car maintenance.
4. Shopping 🛍️: Clothes, electronics, general retail.
5. Entertainment 🎬: Movies, games, subscriptions (Netflix, Spotify).
6. Health ⚕️: Medical expenses, pharmacy, gym memberships.
7. Bills 📄: Rent/mortgage, utilities, phone/internet, insurance.
8. Education 📚: Courses, books, tuition.
9. Travel ✈️: Flights, hotels, vacation expenses.
10. Income 💰: Salary, freelance payments, refunds/returns.
11. Other 📦: Miscellaneous, one-off purchases, uncategorized.

Users can create an unlimited number of custom categories to suit specific needs (e.g., "Coffee," "Pet Expenses," "Gifts"). These can be added via the Budget tab.

• Horizontal Bar Chart: Each category displays its name, icon, total spent, percentage of total spending, and a color-coded bar representing its proportion.
• Sorting: Categories are automatically sorted by spending amount (highest first).

• Tap any category: Filters transactions to show only those within the selected category, allowing for quick review of spending in a specific area.

Illustrates how expenses are paid (card, cash, or bank transfer).

1. Card 💳: Credit card, debit card, contactless payments, Apple Pay/Google Pay.
2. Cash 💵: Physical money, ATM withdrawals, cash payments.
3. Bank 🏦: Direct bank transfers, online banking payments, standing orders, wire transfers.

• Security: Helps identify unusually high card spending (potential fraud).
• Budgeting: Assists in understanding spending habits across different payment types.
• Rewards: Optimizes tracking for credit card rewards/cashback.
• Patterns: Provides insight into personal payment preferences.

• Pie Chart: Three colored segments represent each payment method, with size proportional to the percentage of spending. Each segment is labeled with the method name and amount.

Leverages Anthropic's Claude AI to provide intelligent analysis of spending patterns.

• Personalized spending analysis.
• Budget recommendations.
• Anomaly detection.
• Money-saving suggestions.
• Financial health assessment.

1. Data Analysis: AI analyzes transaction history, spending patterns, budget limits, and trends.
2. Insight Generation: Creates 3-5 key insights, highlighting important patterns, suggesting improvements, and warning about risks.
3. Smart Caching: Analysis is cached for 24 hours to reduce API costs and provide fresh insights daily.

• What AI sees: Transaction amounts, category distribution, budget settings, spending trends.
• What AI does NOT see: Specific transaction notes, merchant names, personal details, or any identifiable information.
• Data transmission: Only sent when "AI Analysis" is tapped, encrypted in transit, not stored by Anthropic, and deleted after analysis.

The Transactions tab is where all financial activities are viewed, managed, and organized.

• Grouped by Day: Transactions are automatically organized by date, with daily headers showing the day of the week, date, and total spent/earned for that day.
• Transaction Row Information: Each transaction displays the category icon and name, amount, payment method icon, and an optional note/description.
• Color Coding: Expenses are typically red/orange, income is green, and category colors match those used in charts.

1. Tap the + button (top right) from the Dashboard or Transactions tab.
2. A transaction sheet slides up.
3. Fill in the required details.
4. Tap Save.

1. Amount (Required): Decimal number pad input, auto-formats to currency. Minimum €0.01, maximum €100,000.
2. Note (Optional but Recommended): Text input up to 200 characters. Suggestions are provided based on common entries.
3. Date (Required): Defaults to today; a calendar picker allows selection of past or future dates.
4. Category (Required): Selection from default or custom categories, displayed in a grid with icons. Auto-suggestions are provided based on the note.
5. Transaction Type: Toggle between Expense (default, money out) and Income (money in). Color-coded red for expense, green for income.
6. Payment Method (Required): Options include Card, Cash, and Bank. Card is the default.
7. Attachment (Optional): Supports image or PDF files (up to 5MB) from the camera or file selection. Used for receipts, invoices, or bills.

• Method 1: Swipe Right: Swipe a transaction row to reveal an "Edit" button.
• Method 2: Tap for Details: Tap a transaction row to open its detailed view, then tap "Edit."

Editable fields include amount, note, date, category, payment method, transaction type, and attachment. Internal IDs and creation timestamps cannot be edited.

• Method 1: Swipe Left: Swipe a transaction row left to reveal a red "Delete" button.
• Method 2: Detail View: Tap a transaction, scroll to the bottom of the detail view, and tap "Delete Transaction."

Deletion requires confirmation and cannot be undone. Deleted transactions are removed from the current month's view but are still accounted for in historical data.

Tap any transaction to view full details, including a header with the amount, category, and transaction type badge. The details section lists date, note, payment method, category, amount, and attachment (if present). An attachment viewer supports full-size image previews and PDF viewing with zoom and sharing options. Actions include editing, deleting, and sharing transaction details.

Access the filter sheet by tapping the funnel icon in the toolbar. Options include:

1. Date Range: Presets (This month, Last month, etc.) or custom date ranges.
2. Categories: Multiple selection from default and custom categories.
3. Payment Methods: Filter by Card, Cash, Bank, or combinations.
4. Transaction Type: Filter for Expenses only, Income only, or All.
5. Amount Range: Sliders to define minimum and maximum transaction amounts.

An active filters badge appears on the filter icon, indicating the number of active filters. Tapping the badge clears all filters.

The search bar at the top of the transactions list searches within the note/description field in real-time, case-insensitively, and with partial matching. Search can be combined with filters for more precise results.

Transactions can be sorted by:

1. Date (Default): Newest First or Oldest First.
2. Amount: Highest First or Lowest First.
3. Category: Alphabetical or Grouped.

Sorting helps in identifying largest expenses, reviewing small purchases, or analyzing spending within specific categories.

CENTMOND supports importing transactions from CSV (.csv), Excel (.xlsx), and TSV (.tsv) files via Settings → Import. Required columns are Date and Amount; optional columns include Category, Note, Payment Method, and Type.

1. Choose File: Select the CSV/Excel file.
2. Map Columns: App automatically suggests column mapping; users can adjust.
3. Configure Options: Set header row presence, date format, and currency handling.
4. Preview: Review the first 5 rows to verify mapping and check for errors.
5. Import Mode: Choose Merge (adds new, skips duplicates, recommended) or Replace (deletes all existing, imports new, cannot be undone).
6. Duplicate Detection: App automatically detects duplicates based on date, amount, and category.

The Budget tab facilitates setting spending limits and tracking progress towards financial goals.

This is the foundation of all budget tracking.

1. Go to the Budget tab and find the "Set Monthly Budget" card.
2. Enter the desired amount (e.g., €3000.00).
3. Tap "Start" (first time) or "Update" (existing budget).
4. The budget activates, enabling Dashboard analytics and data display.

• Method 1: Track First: Track spending for one month without a budget, then set the budget based on actual spending, and gradually reduce it.
• Method 2: Calculate: Deduct savings goals from income to determine the budget.
• Method 3: 50/30/20 Rule: Allocate 50% to Needs, 30% to Wants, and 20% to Savings.

• "Budget Set" - Green ✅: Budget is active, tracking is working, analytics enabled.
• "Analysis Paused" - Orange ⚠️: No budget set; tap to configure and enable insights.
• A Progress Bar shows spent vs. budget, with color changes indicating proximity to the limit.

Allows setting specific spending limits for each category.

Category budgets prevent overspending in specific areas, even if the overall monthly budget appears healthy. They provide alerts when a category limit is approached or exceeded, offering better control.

Located within the Budget tab, users can input a budget amount for each category. A progress display shows spent/budgeted, a color-coded progress bar, and the percentage used.

• Green (0-70% used): On track ✅
• Orange (70-90% used): Getting close ⚠️
• Red (90-100% used): Almost exceeded 🚨
• Dark Red (>100% used): Over budget! 🔴

When any category reaches ≥90% of its budget, the Dashboard displays a "Category Budget Alert." Overspending categories are highlighted in the Budget tab, sorted by percentage over budget.

Users can create custom categories specific to their lifestyle.

1. Go to Budget tab → "Add Custom Category."
2. Enter a unique category name.
3. Tap "Add."
4. (Optional) Set a budget for the new category.

• Edit Name: Via Settings → Manage Categories.
• Delete: Swipe left on a category in Settings → Manage Categories. Transactions associated with a deleted category will be re-categorized as "Other."
• Reorder: Drag to reorder categories based on priority.

Provides a quick overview of the current month's budget status, displaying:

• Total Spent: Amount spent and its percentage of the budget.
• Remaining: Amount remaining, color-coded by comfort level.
• Days Left: Number of days remaining in the month and the daily budget.
• Projection: Estimated month-end spending based on current daily average, with warnings and recommendations if projected to be over budget.

Generates professional financial reports in various formats.

1. Excel (.xlsx): Includes all transactions, category summary with charts, monthly overview, and budget vs. actual comparison. Ideal for detailed analysis, sharing with accountants, and custom reports.
2. CSV (.csv): Raw transaction data in a simple format, suitable for importing into other applications or databases.
3. PDF: Professional formatted report with charts, visualizations, summary statistics, and category breakdowns. Best for printing, sharing, and visual presentations.

1. Choose Format: Select Excel, CSV, or PDF.
2. Configure: Set date range, inclusion of attachments, and categories.
3. Generate: The app creates the file and shows progress.
4. Save/Share: Options to save to files, share via email, upload to cloud services, or print (PDF only).

The Insights tab transforms raw transaction data into actionable intelligence through charts, analytics, and AI-powered recommendations.

Visualizes how spending changes over time.

• Last 6 Months Side-by-Side: A vertical bar chart where each bar represents one month's total spending. Height indicates the amount, and color coding reflects budget adherence.

• Interactive Bars: Tapping any bar displays month, year, exact spending, and budget comparison.
• Color Coding: Green for under budget, orange for close to budget, red for over budget.

• Trend Detection: Identify increasing, seasonal, or improving spending trends.
• Volatility: Observe consistency or inconsistency in spending patterns.

Provides a visual pie chart to understand where every euro goes.

• Pie Chart Breakdown: Each slice represents a category, with size proportional to its percentage of total spending. Labeled with category name and amount.

• Tap any slice: Expands the slice, shows a detailed breakdown, lists top transactions, and offers quick access to filter transactions.

• Dominant category: A large slice indicates a category dominating spending, prompting review.
• Balanced distribution: Similar slice sizes suggest diversified spending and good financial balance.
• Tiny slices: Many small categories might suggest consolidation or using the "Other" category.

Offers personalized insights from Claude AI about spending patterns.

Located in the Insights tab, tap the "Get AI Insights" button on the "AI Analysis" card.

1. Spending Patterns: Daily rhythm, weekend vs. weekday, beginning vs. end of month, impulse vs. planned purchases.
2. Budget Adherence: Actual vs. budgeted amounts, category performance, historical trends, month-end projection.
3. Anomaly Detection: Unusual large purchases, sudden category spikes, missing expenses, duplicate transactions.
4. Optimization Opportunities: Suggestions for reducing categories, timing strategies, payment method optimization, and budget reallocation.

• Budget Health: Overall assessment.
• Key Findings: Specific observations (e.g., shopping spikes, grocery optimization, dining creep, payment method insights, end-of-month patterns).
• Positive Trends: Recognition of good financial habits.
• Action Plan: Concrete recommendations for the rest of the month.

(Content for this section will be added based on the original Part 3, focusing on settings, data management, and any other advanced functionalities not yet covered.)

Manus AI *Comprehensive Documentation for CENTMOND App*