Guides
Know where your money goes
Practical, step-by-step guides on tracking your spending, building a budget, importing bank statements, finding subscriptions and reaching savings goals, from the team behind KHMYS.
Tracking
How to track your spending: a simple monthly routine
A practical way to see where your money goes. Gather your accounts, use a short list of categories, check in weekly and review monthly. Works with an app or a spreadsheet.
Behind the build
How KHMYS is built: the stack and the decisions behind it
A look under the hood of KHMYS, a personal finance web app built by Snehith Kumar. The frontend, API, database, security choices, testing and why the pages are pre-rendered.
Budgeting
How to build a monthly budget from what you actually spent
Start from your real spending instead of guesses. A step-by-step method for setting category limits, leaving a buffer, handling irregular costs and adjusting mid-month.
Importing
How to import a bank statement CSV (or PDF) into a budgeting app
Download a statement from your bank, check the columns, handle dates and debit/credit formats, avoid duplicates and import cleanly. Includes the exact steps in KHMYS.
Categories
How to categorize transactions automatically with rules
Write a handful of if-this-then-that rules so new transactions land in the right category by themselves. Includes examples, ordering tips and how to test a rule in KHMYS.
Subscriptions
How to find recurring charges and forgotten subscriptions
A step-by-step method to find every subscription and repeating bill in your accounts, spot price creep and free trials that turned paid, and decide what to keep.
Safety
Is it safe to connect your bank to a budgeting app?
How bank connections through services like Plaid work, what the app can and cannot see, and a checklist of questions to ask before you link an account.
Budgeting
The 50/30/20 rule explained, with a step-by-step setup
What the 50/30/20 budget rule is, how to calculate it from your take-home pay, how to sort your categories into needs, wants and savings, and when to adjust it.
Goals
How to set and track a savings goal that you actually reach
Turn a vague wish into a target, a deadline and a monthly amount. Learn the simple math, how to automate contributions and how to track progress and stay on track.
Budgeting
Budgeting app or spreadsheet: which should you use?
An honest comparison of tracking money in a spreadsheet versus a budgeting app, covering effort, flexibility, automation, privacy and cost, plus a quick way to choose.