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Overview
Envelopes
Transactions
History
More
Net worth
Projection
Import
Settings
More
Net worth
Assets, liabilities & history
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Projection
Long-term net worth trajectory
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Import
CSV uploads & sheet sync
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Settings
Cycle, accounts, theme & data
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Bill amount changed?
Bills & commitments
Savings & investments
Free to spend
What's genuinely available — bills covered, savings on track
Total
$0
Free to spend
$0
Across your discretionary envelopes — bills covered, savings on track.
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Bills & commitments
tap to review →
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Savings & wealth
tap to review →
Deploy surplus
Send banked float to a goal or wealth transfer
→
Viewing a past cycle
Read only — return to current to make changes
Interest rate change detected
Envelope overspent
tap to fix
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A planned expense was higher than expected
tap to review
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⇄ Transfer allocation
A planned expense was higher than expected — tap to review
Envelope Trends
Total Net Worth
$0
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Progress since tracking
Net worth
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Debt reduced
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Invested
–
Surplus deployed to wealth
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Net worth trend
▸ Assets
$0
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Transaction Accounts
$0
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Savings
$0
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Property
$0
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Superannuation
$0
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Equities & Managed Funds
$0
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▸ Liabilities
$0
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Credit Cards
$0
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Bank Loans
$0
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Other Liabilities
$0
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Last updated: –
Net worth trajectory
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Milestones
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1 year
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3 years
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5 years
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Net worth over time
Growth assumptions
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Super & equities growth
%/yr
Property growth
%/yr
Cash interest rate
%/yr
Super contribution
/cycle
Debt paydown projection
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No interest rate set for this debt
Projection assumes interest-free. Add a rate in Net Worth to improve accuracy.
What variable rate should we use when fixed rates expire?
% p.a.
Refresh rate
Repayment cliff ahead
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Snowball redirect plan
Total repayment stays at /cycle
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When a loan clears, that cash targets the highest-rate remaining loan (smallest balance as tiebreaker) — no lifestyle change required.
Current balance
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Debt-free date
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Repayment/cycle
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Total interest
–
Balance over time
What if I paid extra?
Extra per cycle
$0
New debt-free date
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Time saved
–
Interest saved
–
Total cost
–
What if the rate changes?
Rate change
+0.00%
New rate
–
New debt-free date
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Extra interest cost
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Repayment needed (to keep same payoff date)
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What if I made a lump sum payment?
Surplus available: $0
New balance
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New debt-free date
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Months saved
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Interest saved
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Projections are estimates based on current repayments and interest rates. Actual outcomes may vary.
✦ AI categorises transactions automatically on import
Import from Frollo
Tap to select your CSV export
Export from Frollo:
Accounts → select account → ••• → Export transactions → choose date range → Save CSV
Import history
No imports yet
Appearance ▼
Choose how Ridge looks. Dusk is a warm dark theme designed for evening use.
Light
Dusk
Match system
Overview layout ▼
Drag to reorder · toggle to show/hide
Pay cycle ▼
Pay cycle
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Accounts ▼
These accounts were detected from your imported transactions. Give each one a nickname and confirm the account type. Loan accounts are managed separately via Net Worth.
No transaction accounts detected yet — import a CSV to get started.
Envelopes+ Add▼
Classification rules+ Add▼
Transaction import ▼
Choose how you import transactions. The Google Sheet method syncs live from your open banking data automatically.
CSV upload
Google Sheet (live)
Find it in the sheet URL: docs.google.com/spreadsheets/d/SHEET_ID/edit
CSV layouts ▼
CSV layouts the app remembers. Built-in profiles (Frollo, CBA, Westpac, NAB, Macquarie) match silently. When a new bank's file doesn't auto-detect, you'll be asked once to map columns — that mapping is saved here.
Income streams▼
The app automatically detects your recurring income sources from the last 2 pay cycles. Refresh if you've changed jobs or have new income streams.
Data ▼
Export data
Download all data as JSON backup
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Export for debugging
Config + transactions as two separate files — do not import config file alone
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Import backup
Restore from a previous JSON export
›
Paste JSON to restore
Alternative if file picker doesn't work
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Replay tutorial
Walk through the welcome again
›
Reset app
Clear all data
›
Pay cycle
In months with fewer days this clamps to the last day, so 31 reliably hits month-end.
The last date money was deposited into your account
Add Transaction
Add Envelope
Spending
Planned expense
Savings goal
Wealth transfer
Contributions will increase this asset's value in your Net Worth automatically.
Amount already contributed before tracking started.
Discretionary
Committed
Discretionary envelopes (eating out, entertainment etc) count toward your Free to spend total. Committed envelopes (bills, insurance) don't — they're always covered regardless.
Yes – carry forward
No – reset each cycle
Envelope won't appear in cycles before this. Defaults to the current cycle.
How much you actually plan to deposit each cycle. This is your commitment — separate from the calculated guide above. You can change it any time without affecting your saved balance.
For existing savings — e.g. if you already have $1,000 saved toward this goal, enter 1000 here. This sets the initial bar position.
Allocations will only be counted from this cycle forward. Use this to avoid backdating to periods before this goal existed.
If set, this overrides the calculated amount. Useful if you want to save more or less than the guide suggests.
After the due date, the envelope resets and recalculates for the next occurrence.
If you've already set aside money for this expense, enter it here to set the initial bar position.
Allocations will only be counted from this cycle forward. Use this to avoid backdating to periods before this expense existed.
$0
Spent
$0
Remaining
$0
Allocated
Spending history · tap a bar to filter
Reallocations
Balance over time
Goal progress
0%
Forecast by end date
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This cycle
Transactions
✓
Edit budget
Changes apply from the current cycle onwards. Past cycles are not affected.
Add item
Set the balance on the date you started tracking. Repayments and interest from that date forward will update this balance automatically.
Shares / ETF
Managed fund
Other (manual)
e.g. VAS.AX (ASX) or AAPL. Live price is fetched from Yahoo Finance via the Ridge worker.
Units as at the date you started tracking. Wealth transfer transactions will estimate additional units purchased.
Set aside this amount each pay cycle toward this investment. A wealth transfer envelope will be created automatically to track accumulation and purchases.
Used when no live price is available — always for "Other (manual)", and as a fallback for managed funds (APIR codes Yahoo doesn't index) or when the live fetch fails.
Used for debt projections. Interest is captured via capitalised interest transactions — it won't be auto-calculated here.
Variable rate
Fixed rate
When the fixed term ends the rate may revert to variable. Used in projections.
Redraw balance before tracking started. Subsequent extra repayments above minimum will be added automatically.
Transactions from this account will appear under this item in Net Worth.
$0
Derived balance
0
Transactions
Balance out of sync?
Enter the actual balance from your bank to recalibrate.
Account transactions
$0
Current balance
$0
Net paid down
Balance history
Transactions
$0
Current value
0
Units held
$0
Unit price
Balance history
True up units
Enter the actual unit count from your brokerage statement to correct any estimation drift from wealth transfer calculations.
Transactions
Add Income
One-off
Every cycle
Set to "Every cycle" for regular salary so it auto-appears each pay cycle.
Rename income source
Leave blank to restore the original description.
Assets
Transfer Allocation
Move unspent budget from one envelope to another — e.g. transfer leftover Eating Out funds to Holiday savings.
Filter
Possible Duplicate
These two transactions appear to be the same. Review and choose what to keep.
Existing (CSV)
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New (Sheet)
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Paste JSON to restore
Open your backup JSON file in a text editor or Notes app, select all, copy, then paste below.
Add classification rule
The app will match transactions containing this text. Case-insensitive.
Partial (contains)
Exact match
Matches any transaction whose description contains this text.
Suggested from transaction
Deploy surplus
Float available
$0.00
Surplus details
Float available
$0.00
Edit Transaction
Apply this name to all transactions with a similar description.
Expense
Income / Salary
Transfer
Capitalised interest
This interest charge will be added to the debt balance in Net Worth. It won't affect your cash budget or envelope spending.
Remember this classification?
The app will automatically apply this envelope to future transactions with a similar name.