butce.app User Guide

Quick Start

You need only four steps to make your first entries and see your real picture.

1. Define your accounts. On the Accounts page, add your bank, cash, credit card and (if any) gold and silver accounts one by one. Enter today's real balance for each one (for credit cards, enter your debt as a negative value, e.g. -8,500 ₺).
2. Set up your categories and tags. The system comes with common categories preinstalled. On the Categories page, edit the ones that don't fit and add the missing ones. If you want to group transactions by person, project or store, you can also create tags on the same page.
3. Record your first transactions. On the Transactions page, open the Income, Expense or Transfer tab and add a few entries. You can attach a document on the same form.
4. Plan your budget. On the Budget page, set a monthly cap per category. The Home and Budget pages will warn you when you exceed it.

Tip

If you realize your opening balance was wrong, edit the account and enter the correct balance. Your past transactions are preserved, the system simply recalculates the opening figure.

Core Logic

butce.app uses cumulative balance logic. Every entry directly affects the related account's balance.

One Account = One True Balance

Each account has a single live balance. Income increases it, expense decreases it, transfers move it between accounts. The same balance is shown consistently across all pages.

Period Totals Are Separate

"Total Income", "Total Expense" and "Net Balance" on the Home page are for the selected period (e.g. this month) and are different from account balance.

Editing in the Past

You can delete or edit any transaction. Every change is automatically reflected in the related account's balance; no manual fix needed.

Important

The system does not use soft delete. A deleted transaction cannot be recovered, but your balance stays consistent. Linked documents are removed with the transaction.

Accounts

Anywhere you keep money is an account: your wallet, bank, credit card, even your gold.

Account Types

Adding an Account

1. Open the Accounts page from the side menu.
2. Pick a type, currency and opening balance. For credit cards, the limit and statement day fields appear. As soon as you type the statement day, the next payment due date shows up next to it.
3. Save. The new account appears in the list and is selectable on transaction forms.

Fixing the Balance

When you edit the account and enter the new correct balance, the system does not touch your past entries; it only recalculates the opening balance so totals match the new figure.

Archiving

Instead of deleting unused accounts, archive them. Archived accounts disappear from the active list and forms but keep their history.

Credit Card Statement Breakdown

Once you enter a statement day, the account card shows a four-line breakdown. The lines always add up to the card's total debt.

The statement closes on the evening of the statement day, so a purchase made that day is still on the same statement.

How the Due Date Is Calculated

You do not enter the due date; the system derives it from the statement date. Turkish banks set the due date 10 days after the statement. If that day falls on a weekend, a public holiday or a religious holiday, it moves to the next business day.

Because months differ in length, the same statement day can land on a different due day each month: the 30.09 statement is due on 10.10, the 30.10 statement on 09.11. If your statement day does not exist in a month (such as the 31st), the last day of that month is used.

Expenses Pending Authorization

Banks hold some transactions for a few days before posting them, which pushes them onto the next statement. When that happens, the remaining statement balance here differs from the one at your bank.

1. Find the expense on the Transactions page and click the edit (pencil) icon.
2. If the account is a credit card, the Pending authorization, will post to next statement box appears. Tick it and save.
3. The expense date stays as is and the row gets a Pending badge.

The item then counts toward the next statement period. The shift happens once; it is not pushed again in later months. Whether the hold lasts three days or twenty makes no difference, because the item moves by statement period, not by days.

One tick fixes three places: the statement breakdown on the account card, the card payment schedule on the Cash Flow page (the amount leaves your cash in the right month) and the statement comparison result (the item matches against the correct statement).

It does not touch the balance or the limit. The amount is already blocked on your card and your available limit is already reduced. If the authorization was cancelled (a hotel or car rental deposit, for example), delete the record instead of unticking the box.

Gold and Silver Accounts

Track your physical gold and silver in grams. The system converts to TRY automatically using the current rate.

How to Open One

1. On the Accounts page click New Account and choose Gold or Silver as the type.
2. Enter the opening balance in grams. Example: 25.5 for 25.5 grams of gold.
3. The currency is automatically set to grams; you don't need to change it.

Buying and Selling Gold

Buying: use a Transfer from your TRY account to the gold account. Source: bank, Destination: gold account. The system uses the current rate to compute grams.

Selling: a Transfer in the opposite direction. Grams leave the gold account and TRY enters your bank account.

Total Wealth View

The Accounts page and Home page convert your total wealth to your preferred currency. Gold and silver grams are valued from the international ounce price, converted with the TCMB dollar rate.

Multi-Currency

Each account is kept in its own currency. Totals are converted to your preferred currency using daily rates.

Supported Currencies

Rate Updates

Rates are updated automatically every day at 13:00:

• Currencies: TCMB (Central Bank of the Republic of Türkiye) rates. Currencies TCMB does not publish come from European Central Bank data. On weekends and holidays the last business day rate applies.
• Gold and silver: The international ounce price is converted to Turkish lira with the TCMB dollar rate and divided into grams.

Preferred Currency

Use the currency selector in the top right to change your preferred unit. Totals, charts and reports are shown in this unit. Each account's own currency stays unchanged.

Cross-Currency Transfers

When transferring between accounts in different currencies you enter the source and destination amounts separately. The system computes the rate. Example: you send 100 USD, 4,000 ₺ is received. The system records this as 1 USD = 40 ₺.

Transactions (Income, Expense, Transfer)

Income, expense and transfer records are managed in one place on the Transactions page. There is no separate "Income page" or "Expense page".

Recording Income

1. On the Transactions page, open the Income tab.
2. Pick the amount, account, category and date.
3. Optionally add tags and upload a receipt.
4. Save. The account balance is increased by the amount.

Recording an Expense

Use the Expense tab the same way. Expenses also support line items: instead of one 850 ₺ grocery entry, you can break it down ("bread 20, cheese 180, detergent 250..."). Item totals must equal the main amount.

Each line can have its own category and tags. Open Line items in the form and press Add line. Each line opens as a card: product name, category, amount and tags. To tag a line, press + Tag on it and pick from the list or type a new name. Press Add description if you need a note. The line total and what is left from the main amount appear below the cards.

Once you add a line, the general Tags field in the form is hidden and you choose tags on each line. A tag you had already selected in the general field moves to the first line. In receipt scanning, the tag suggested by AI is applied to every line by default; remove it from any line you don't want.

Transfer

Use Transfer when moving money between your own accounts. Paying a credit card, withdrawing cash, buying gold or exchanging currency are all transfers.

• Same currency: enter one amount used for both accounts.
• Different currency: enter source and destination amounts separately; the rate is computed.

Filter and Search

The filters at the top of the Transactions page let you narrow by date range, account, category, tag or type. With bulk select you can change the category or tag of many entries at once.

Categories and Tags

Categories answer "where did it go", tags answer "who, why, which project".

Categories

Each transaction has exactly one category. Categories are either income (Salary, Rent, Interest, Loan...) or expense (Grocery, Utilities, Education...). The system seeds common defaults; you can customize them on the Categories page.

Tags

A transaction can have many tags. Use them for horizontal grouping: family members (Can, Özge), projects (Holiday 2026, Wedding), trips (Antalya), work items, etc.

Tags on Each Line

In an expense with line items, each line can have its own tags. Example: in a grocery receipt, the food gets "Groceries and Eating Out" and the cat litter gets "Pets". The expense's tags are made up of its lines' tags; the transaction detail shows each line's tags in its own column.

• The dashboard tag chart gives each tag only the amount of the lines that carry it. A line in the Non-Budget Expense category is not counted in tag totals.
• When you filter Transactions by a tag, only the lines with that tag are counted and listed for an expense with line items. The Main Expense link takes you to the whole expense.
• In an installment expense, each installment is counted in proportion to its lines.
• Bulk tag actions also apply to the lines of an expense.

Special Categories

Example: Non-Budget usage

A friend spent 500 ₺ on your card and later sent it back via Papara. Record the 500 ₺ purchase as Non-Budget Expense and the incoming 500 ₺ as Non-Budget Income. The two offset each other and don't pollute your budget.

Credit Card Installments

Enter an installment purchase once and the system creates a separate record for each month.

Adding an Installment Purchase

1. On the Transactions page open the Expense tab.
2. Choose your credit card as the account.
3. Enable the Installment option and enter the number of installments (e.g. 6).
4. Use the First installment month field to choose the month the first installment is paid.
5. If there is a total surcharge, enter it in the surcharge field; the system distributes it across the installments automatically.
6. Save. 6 separate installment records are created. Each one is dated on the card's due date for that month, with weekend and holiday shifts worked out month by month.

When the amount is split, any leftover cent goes to the last installment, so the installments always add up to the purchase amount.

Installments Page

On the Credit Card Installments page under the Debts heading of the side menu you can see all active and completed installments. Click a group to open its payment plan. Rows are shown in the card's own currency, page totals in your preferred currency.

Cancelling an Installment

Deleting an installment group removes all of its installments together. Linked documents are also removed. To cancel only part of a group, split off the paid installments first.

Bank loans are different

Credit card installments and bank loans are managed in different places. Add personal, vehicle or mortgage loans from the Loans page.

Loans and Installment Debt

Personal, vehicle and mortgage loans. The system manages both the cash inflow and the monthly payments automatically.

How a Loan Appears in the System

When you add a loan, the system does two things:

• Records income on your account. The principal deposited by the bank is added to the chosen account and a "Loan" income entry is created.
• Creates a debt and installment plan. Total debt, remaining installments and the payment day are tracked on the Loans page.

Adding a Loan

1. Open the Loans page from the side menu and click New Loan.
2. Enter the name, type (Personal, Vehicle, Mortgage), currency, principal, interest rate, installment count and installment amount.
3. Pick the first installment date and the day of the month you pay on.
4. If you made payments before you started using butce.app, enter the count in Pre-paid Installments. The system calculates the remaining installments from this.
5. Pick the account where the principal will be deposited. For historical loans, leave this blank to track only the remaining debt without affecting your balance.
6. Pick the income category (default: Loan) and the expense category (default: Loan Payment). You can set tags separately for each.
7. Save. The loan appears in the list as active.

Closing Past Installments

On the loan detail page, if there are unpaid installments with past due dates, the system shows a yellow warning. Use the Close Installments button to select how many to close. Closed installments do not affect your account balance and no expense entry is created. Useful for payments made before you started using butce.app.

Paying an Installment

Open the loan from the Loans page and click Pay Installment. The system marks the installment as paid, deducts its amount from your account, and creates an expense under "Loan Payment". Remaining installments and total debt are updated.

Early / Extra Payment

To pay off early or make an extra payment, use Extra Payment on the loan's detail page. The system applies the amount to the principal and recalculates the remaining schedule.

Editing and Deleting

You can edit or delete a loan. Deleting also removes all payment records, the principal income entry and linked documents. Your account balance is corrected automatically.

Debt / Receivable

Who owes you and whom you owe, in one list.

Money you lent a friend, an amount to settle within the family or a payment you made for someone else is tracked here. Each entry is a movement of one of four types: Lent, Borrowed, Repayment received, Repayment made. An entry has a person or institution, a date, an amount, a currency, an optional account, a due date and a note.

1. Open Debt / Receivable under the Debts heading of the side menu. From any other page you can also pick Add debt / receivable in the Quick action menu on the top bar; the page opens with the add window ready.
2. Use Add Entry to enter the person, type, date and amount. People you entered before are suggested, so the same person is not written two different ways.
3. If the money actually left or reached an account, pick that account in the Account field. Leave it empty and the entry is kept for tracking only, no balance changes.
4. When the person pays you back, add a new Repayment received entry. Partial payments work the same way, the remaining amount goes down on its own.

The page groups entries by person. Each person's card shows the remaining amount and its direction: Owes me or I owe. Tap the card to see every movement with that person. When the remaining amount reaches zero the person moves to Settled, there is nothing to close by hand. Currencies are kept apart: if John cleared his lira debt but not his dollar debt, only the dollar row stays open. Enter gold and silver in grams with their carat (pure, 22K, 18K or 14K gold; pure or 925 silver). Each carat gets its own row and the account list shows only accounts of that carat, so a 22K debt can be linked to your bracelet account. The total cards at the top show each currency separately; if any entry is in a currency other than yours, an approximate total in your currency at today's rates appears below them. On a day the rate cannot be fetched this line is hidden.

Entries you opened before this feature show as Legacy entry and stay as they are. They cannot be linked to an account; mark them settled with the check icon once they are closed.

Budget Planning

Set a monthly cap per category. Get warned as you approach the limit.

Adding a Budget Line

1. Open the Budget page from the side menu.
2. Pick the month at the top.
3. Enter a category and amount, then add. Each category can have only one budget per month.

Bulk Budget Template

Download Template gives you an Excel with all your categories. Fill the amounts and use Upload Template to import. Handy for planning many categories at once.

Copy From Previous Month

You can clone last month's budget in one click and then tweak it.

Overrun Warnings

When a category reaches 80% of its budget, the Home and Budget pages warn you. At 100%, it is highlighted in red. This is informational only; you can still record transactions.

Payment Calendar

See all upcoming payments at a glance on a calendar.

The Payment Calendar shows these on a monthly view:

• Credit card installments
• Bank loan installments
• Watch List items with an upcoming due date (inspection, insurance, subscription...)
• Recurring monthly expenses you marked as recurring

Click a day to see everything due that day. The daily total appears in the corner.

Cash Flow Beta

Shows how your money changes over the next 12 months, so you can see a tight month before it arrives.

The Core Rule

Cash flow covers your liquid accounts only. A credit card balance is debt, not cash, so it leaves the table in the month you pay the card, not when you spend. The remaining card debt appears at the bottom of the table for information and is never added to your cash.

The Rows

The four cards on top summarise: cash today, credit card debt, the lowest month in the next 12 and the amount left after 12 months. The lowest month is there so you spot a squeeze in advance.

Card payment rows use the card's statement day and the due date derived from it. If you have not entered a statement day, the 28th is assumed and the due date is still 10 days later. If you flag an expense as pending authorization, the amount leaves your cash in the correct month.

How the Average Works

When a category's monthly average is calculated, its two highest months are left out and the rest are averaged. This stops a single large purchase from spreading across every month. Low and zero months are counted as they are, because they are part of the category's real pattern.

Items that occur once a month (rent, dues, bills) are expected at full amount until they are paid. Items spread across days (groceries, eating out) are scaled to the days left in the month.

Category Behaviour

Every category falls into one of three types. You can change the type from the Income breakdown and Expense breakdown dialogs; your choice overrides the automatic rule and is remembered.

Seasonal items are only recognised once the same calendar month completes for the second time. With less than a year of history, yearly items will not show up and you need to enter those months yourself.

Editing by Hand

1. Click the cell you want to change and type the new figure.
2. To apply one figure across all 12 months, turn on Apply to all months at the top.
3. Press Save. Your value sticks for that month.
4. Use Reset to go back to the automatic calculation. Reset clears cell edits only; it leaves your category behaviour choices alone.

Breakdowns

The Income breakdown, Expense breakdown, Card schedule and Loan schedule buttons above the table open the items behind a month's figure. That is where "what is the 1,369.91 ₺ in June" gets answered.

When History Is Short

Until you have at least 3 months of data, you fill in the forecast income, cash expense and forecast card payment rows yourself. Opening cash, scheduled card payments and loan installments already come from your records. Once the third month completes, the system starts calculating and offers to take those rows over; in any month you decline, your figure stays.

Beta

The figures are forecasts derived from your history, not a confirmed payment plan. The method keeps improving with feedback, so the same month's figure can change in later versions. If a row looks wrong, write to info@butce.app.

Financial Analysis

Extracts trends, category distribution and comparisons from your last 12 months.

What You See

• Monthly trend: 12-month income and expense lines.
• Category breakdown: how much you spent per category.
• Typical monthly amounts: the highest and lowest months are removed before averaging, filtering out one-off anomalies.
• Month comparison: where you spent more or less this month vs. last month.

Watch List

Manage upcoming inspections, insurance, driver's license, passport, subscriptions and more from one place.

Categories

• Vehicle: inspection, road tax, casco, traffic insurance
• Insurance: DASK, home, health insurance
• Document: driver's license, passport, ID card
• Subscription: gym, magazine, internet, streaming
• Other: anything else

Reminders

For each item you pick the due date and how many days in advance to remind you. As the date approaches, you receive an email and the day is marked on the Payment Calendar.

Complete and Renew

Mark an item Complete to close it. For periodic renewals (e.g. yearly casco) use Copy to create the next-period item from the existing one.

Documents

Receipts, invoices, contracts, vehicle papers... all in one place.

Uploading

You can upload documents two ways:

• From a transaction form: when adding income, expense, transfer, loan or watch item. The file is auto-linked to that record.
• From the Documents page: for standalone documents (contracts, warranty papers, etc.).

Limits

• Accepted formats: PDF, JPG, PNG
• Max per file: 5 MB
• Content is validated (files with fake extensions are rejected)

Search and Filter

Search runs against the document name, notes and the linked transaction's description and category. Separate multiple terms with space or +; results contain all of them.

Data Management

Export, import and use bulk templates.

Export

Download all your income, expense, transfer, account, category and tag data as Excel. Each data type is on its own sheet for easy review.

Import

Download the template, edit it in Excel and upload it back. Valid rows are saved; invalid ones are shown with their reason. Dates, account names and category names must match exactly.

Financial Tools

Free calculators you can use without an account.

Open Financial Tools

Account Management

Subscription, password and account deletion.

Trial and Subscription

You get a 14-day free trial on signup with all features; AI Statement and AI Receipt Scan can be used up to the gifted credits. After the trial, your account is kept for 30 more days. Subscribe from Account Management to continue; otherwise your account and data are deleted.

Month Start Day (Payday)

If you get paid on a day other than the 1st (e.g. 15th, 21st, 25th), open the Preferences card on the Account Management page and pick the day your month starts. Budget, analysis, cash flow and summary cards are computed against this period.

• Range: 1-28 (29-30-31 not supported due to February).
• Example: if you pick 21, your May period runs 21 May to 20 June.
• Dashboard, Budget, Analysis, Loans "this month" summary, Cash Flow, Payment Calendar, CC Installments and Transactions all compute periods against your chosen day.
• Transaction dates, installment schedules and loan payment dates are unaffected, they stay absolute.
• Default is the 1st. If you don't change it, the system behaves exactly as before.

Security

• Session limit: one session can stay open on a desktop browser, a mobile browser and the Android app. Signing in on a second device of the same kind closes the older one.
• You sign in with your email address, which is verified at sign-up.
• On the web you can also sign in without a password using Sign in with Google.
• SSL connection, hashed passwords, no bank or card details requested.
• Each user's data lives in its own database.

Changing Password

Confirm your current password and set a new one on the Account Management page. Forgot it? Use Forgot Password on the login page for an email reset link.

Deleting Your Account

To fully delete your account, submit a deletion request from Account Management. All financial data, documents and login info are erased irreversibly.

FAQ