Everything here can be changed later — pay on the Ledger, benefits on their cards. Skip anything that does not apply to you. Your numbers never leave this phone.
Actually yours to spend
$0.00
Bank says $0.00 · $0.00 held back for bills & set-asides
Accounts
Happy $ACTS
Deposits — money that lands between paydays and lifts your ACT. Log it when it lands.
Bills in this window
Marking a bill paid pays it out of its account's BANK and releases its hold — so ACT stays steady, same as it should. Un-marking puts the money back to the penny.
Your bills
Set-asides
Money fenced off from every check before anything else — it always comes out of ACT.
Pay cycle
BANK is what the account says. ACT is what is real. Never trust BANK.
Month
Tap a day to see what is on it. Swipe to change months.
▽Triangles point down — money landing
Money drops in that day. The color says where it comes from:
▽Payday— green▽Deposit— green, a Happy $ACT
▽SNAP load— sky blue▽Cash aid load— magenta
Next bill due— red dot, money outBills after that— yellow dotPaid— grey dot
▲Caution: bank holiday— banks closed, payments and transfers slow down, plan around it.
Benefits — what applies to you
Not everybody gets every benefit. Turn off the ones that are not yours and they leave the Benefits tab and the calendar — nothing is deleted, and turning one back on brings it right back.
Turn off if you don't get food stamps — the card and its calendar marker disappear.
Turn off if you don't get cash aid — the card and its calendar marker disappear.
Start over
Wipes every number on this phone and brings back the setup screen. There is no undo.
Install the app
Bank vs Act on your home screen opens full-screen and works offline, like any app.
No install offer yet? Look for Install app or Add to Home screen in your browser menu.
On iPhone or iPad: tap Share, then Add to Home Screen.
Already installed on this device. You are opening the installed app.
