Tersa: Budget & Money Planner

Know what you can safely spend today, what could put an account at risk next, and when your cash is expected to recover.

Tersa is a private budget and cash flow planner built for decisions before you spend, not just charts after the fact. It turns the accounts, bills, budgets, goals, and debts you choose to track into one forward-looking plan.

No bank login. No cloud AI. No ads. No tracking.

SEE AHEAD WITH CASH AHEAD

• See your Spending Room for today, backed by your plan.
• Project cash 14, 30, 60, or 90 days ahead.
• Spot the lowest projected balance, upcoming shortfalls, next expected income, and recovery date.
• See which account may run short, when action is needed, and what caused the risk.
• Explore practical funding options without Tersa moving money or making decisions for you.

BUDGET WITH REAL CASH

• Build flexible budgets from weekly to yearly.
• Separate essentials from flexible spending.
• See what current cash can support, what depends on expected income, and where timing creates a gap.
• Protect important categories, choose rollover rules, and rebalance without rewriting transaction history.
• Compare completed periods and review every proposed change before saving.

CAPTURE MONEY WITHOUT CONNECTING YOUR BANK

• Add expenses, income, and transfers with fast entry or natural-language Quick Fill.
• Scan receipts on your device and keep them as encrypted attachments.
• Use splits, tags, notes, templates, recurring schedules, widgets, and Siri shortcuts.
• Import OFX, QFX, or mapped CSV statements.
• Review possible duplicates, rule conflicts, and learned suggestions before anything is applied.

PLAN YOUR WHOLE FINANCIAL PICTURE

• Organize recurring bills and income in a financial calendar.
• Build goals and sinking funds with target dates, contribution plans, and what-if comparisons.
• Model loans, credit lines, and mortgages with amortization schedules and extra-payment scenarios.
• Track accounts, assets, liabilities, manual valuations, net worth, and multiple currencies.
• Explore reports for cash flow, spending, budgets, debt, balances, schedules, and transactions.
• Export reports as PDF or filtered CSV.

TRUST EVERY NUMBER

Tersa keeps a balanced, traceable financial record. Corrections and reversals preserve history instead of silently changing the past. Reconcile against statements, review