HoneyMoney — Guide

📖 How to use it

1. Pick a persona — the switcher at the top of /graph flips between one person, a couple and a family. Same engine, same three buckets — only the household changes size.
2. Read the money as a picture — six views over the same data: Sankey (flow of every ringgit), Treemap (where the budget sits), Tree, Organic network, Budget bars, and Flow.
3. Focus a lens — slice everything by an income stream, a bucket/expense, a category, or a person (their spend only). One click to clear.
4. Add anything — ➕ Add to the graph panel adds a spend, an income stream, a bucket/department, or an allocation. For a spend you can type it or 📷 scan a receipt — both run on your device, free, with no AI tokens.
5. The 3 buckets — money splits into Must-paid, Savings (your future shield), and Spendings — the Spendings bucket is not itemized, by design.

🤖 The AI — what it does (and doesn’t)

AI is optional. The app runs at RM 0 with no key at all — receipt scanning works on your device. Turn AI on and capture becomes an assistant that reasons over your own money graph, not a generic chatbot: it always proposes, you confirm, and nothing is saved until you say so.

• Reads a receipt in the context of your history — Forward a photo or e-wallet screenshot — Honey reads the amount, merchant and date, files it into the bucket you usually use for that merchant, flags a likely duplicate (the “same receipt sent by both partners” trap), and notices a subscription or an amount unusual for you — measured against your own past, not a stranger’s average.
• Forward-looking, never a scold — Honey’s insight looks at where the month is heading — e.g. “at this pace your Savings goal slips about six weeks” — and offers a rebalance you can take or ignore. It talks about the plan, not your personal spending, and never itemises Bucket 3.
• Works offline, costs nothing — Receipt scanning runs on your device with no tokens. Add a free key (Groq · Gemini · Ollama) only if you want the smarter, graph-grounded reading. Set it up →
• You stay in control — The AI proposes; you confirm or correct. Your correction is what gets saved, and every change is written to a tamper-evident audit trail.

Honey is educational, not financial advice — see the disclaimer below.

📲 Install on your phone

Add HoneyMoney to your home screen — it works offline, no app store. On Android, open the ☰ menu → “Install app” for a one-tap install. On iPhone / iPad, Apple only allows it through Safari:

📦 Keeping your records

Your money records are tiny — about 400 bytes each, so logging three a day for a year comes to under half a megabyte. Photos are what grow: a receipt image is around 250 KB, so a photo on every fifth record adds roughly 55 MB a year, more than a hundred times the records themselves.

• Never delete your records. Their whole value is that they go back. Your H-Score, your trends and your goals all read years of history, and a year you delete is a year they cannot see. At three records a day it would take roughly 45 years to reach the point where an all-time view stops loading.
• Photos are the part to manage. A record survives perfectly well without its image. From around year three — or whenever your saved copy passes about 50 MB — detach the photos you no longer need and keep every record.
• Download a copy once a year. Open Your copy and press Save. That is for safety rather than space: it is the copy that survives us. Always do it before you detach anything. Your copy →
• Seven years if you claim tax relief. LHDN expects supporting documents to be kept for seven years, so keep those receipts that long if you claim reliefs or have business income. Two years covers most warranties and disputes otherwise. General information, not tax advice.