MGV Financial
Beta — stage 3 of 5
Education-first budgeting for Mind & Growth Valley. See where your money goes, plan bills and goals, and learn as you go, with everything kept on your own device.
What it does
MGV Financial is a budgeting and money-learning app built by Altru.dev for Mind & Growth Valley. It helps people understand their money, not just record it: every chart answers a plain question and links to a short lesson that explains it.
Start with your accounts and paydays, then add your regular bills. The dashboard shows what is safe to spend until your next payday, which bills are coming up, how your budget is tracking, where your money went, and whether you are moving forward over time.
A calendar brings together bills, paydays, goal dates and your own reminders. Nine alert rules warn you before a bill is due, when a category runs over budget, or when a savings goal falls behind. Sinking funds spread yearly costs across the months before they are due, counted in real calendar months so you are never short.
Your data stays on your device. There is no account, no bank connection, no ads and no tracking. Export everything at any time: spreadsheets (CSV), PDF reports, calendar files, chart images, and full backups you can lock with a passphrase.
This is the beta of the web app. Native Windows, Mac and Linux apps and optional Google Calendar sync are in progress.
Features
See what is truly available until payday, after upcoming bills and your safety buffer are set aside.
Bills, paydays, goal dates and your own reminders in one calendar, with lead-time reminders and one-tap mark as paid.
Warnings for bills due or overdue, bills you cannot cover, budgets near or over their limit, goals falling behind and low balances.
A monthly plan with one-month adjustments, 3-month averages, needs versus wants and how-you-felt ratings, each linked to a short lesson.
Transfers never count as spending, mortgage payments split into interest and principal, and sinking funds use real calendar months.
No account, ads or tracking. Export CSV, PDF reports, calendar files and passphrase-locked backups whenever you like.
Who it helps
Individuals, couples and families who want to understand their money; people learning to budget for the first time; anyone who wants a private budgeting tool without accounts or bank logins.