Cash Flow Calculator - README (plain text)

Guiding principle
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"Without knowing the details of the problem, one cannot create a proper solution."

What this app is
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A simple, free tool to help you see where your money goes each month.
You can list income, expenses, and subscriptions and the app shows your totals
and monthly cash flow (what’s left over or what you’re short).

Why we built it
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- To make budgeting approachable. No logins. No steep learning curve.
- To help you spot leaks in your spending quickly.
- To give you a printable snapshot you can share or keep for records.
- To keep your private money details OFF the internet.

Privacy and how your data is handled
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- Local only: Your data stays on your device (computer/phone/tablet).
- No tracking: We don’t collect analytics, and we don't send any data anywhere.
- No accounts, no cloud: You don’t need to sign up or sync.
- Optional save: If you click "Save to Browser," your entries are stored only
  in your browser’s local storage so they’re there next time on THIS device.
  ("Load from Browser" pulls them back into the form.)

What you can do
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- Type your Income, Expenses, and Subscriptions (with optional names).
- See totals update as you type.
- Save a PDF snapshot for your records.
- Export your data:
  - JSON (a full backup you can re-import later)
  - CSV (open in spreadsheets like Excel/Numbers/Sheets)
- Import previously saved JSON or a single-row CSV in the same format.
- Save to browser and load later on the same device.

Tips for best results
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- Be specific: use the Subscription "Name" field (e.g., "Spotify", "Netflix").
- Keep it regular: record the usual monthly amounts.
- Print a snapshot after you finish a month to track progress over time.

What the buttons do (in plain language)
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- Save to Browser - stores your entries locally in this browser only.
- Load from Browser - restores your last Save on this device.
- Export JSON - makes a full backup file you can import later.
- Export CSV - creates a simple spreadsheet row of your numbers.
- Save PDF - prints a clean one‑page summary you can save or print.

What’s NOT happening
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- No online account or login.
- No uploads to our servers.
- No tracking pixels or hidden analytics.
- No background network calls.

Things to know (limitations)
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- "Save to Browser" won’t follow you to other devices. To move data between devices,
  use Export JSON on one device and Import JSON on the other.
- If you clear your browser storage or use private browsing, local saves will be gone.
- CSV export doesn’t include subscription names yet (the PDF and JSON do).

Who can use it
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Anyone. It's free to use and share. If this helps you or someone you care about
get a better handle on money, that's the whole point.

Need help?
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If something doesn't look right or you have suggestions, include details such as
your device, browser, and what you clicked right before the issue.

Thank you for using the Cash Flow Calculator.