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User guide

Get the most out of SpeakCents.

A short walkthrough of every part of the app.

Voice tracking

  1. Tap the microphone on the Dashboard, Transactions, Budgets, or Goals page.
  2. Speak naturally: ‘Add $42 groceries at Whole Foods yesterday.’
  3. Review the parsed amount, merchant, category, and date, then confirm.
  4. Use commands like ‘change last coffee to $6.50’ or ‘delete the duplicate Uber’ to edit.

Transactions

  1. Add, edit, or delete transactions manually via the + button.
  2. Filter by date, category, or merchant using the search and filter bar.
  3. Deleted transactions can be undone from the toast within a few seconds.

Accounts

  1. Add checking, savings, brokerage, credit, or loan accounts.
  2. Accounts are grouped by type with assets vs. liabilities and net worth totals.
  3. Open an account to see its trend chart and archive when no longer needed.

Budgets

  1. Create a budget with a category, period, and optional rollover.
  2. Add sub-category budgets for finer control — they inherit the parent's settings.
  3. Reorder budgets with the up/down arrows on each card.

Goals

  1. Add a goal by name, target amount, and target date.
  2. Log contributions manually or by voice: ‘Add $200 to vacation goal.’
  3. See progress and monthly contribution needed on each goal card.

Retirement & relocation

  1. Enter your current age, target retirement age, savings, and expected income.
  2. Add scenarios for different destinations and ages to compare side by side.
  3. The Cash Bridge section shows if you can safely retire before Social Security starts.
  4. Ask the voice assistant: ‘Can I retire at 60 in Lisbon?’

Forecast

  1. Project income and spending over 1M, 3M, 6M, or 1Y.
  2. Use the What-if sliders to test income, spending, or savings-rate changes.
  3. Confidence bands show the range of likely outcomes.

Voice summary & chat

  1. The Dashboard voice summary reads a personalized daily brief.
  2. Ask follow-up questions by mic or by typing in the text box.
  3. Answers are grounded in your accounts, budgets, goals, and retirement plans.