This month
See what is available to spend, what that comes to per day and what is still to come.
N$3,940 leftN$493 a day · 8 days left
Your money, from the ground up
Know where your money stands.
Your income, spending, savings and what you own and owe, in one place. Plan by calendar month or from payday to payday.
Free account. No ads. No bank login.
- Google Play · coming soon
Try it
What is available to spend this month?
Type your own figures or keep the sample. It is the same sum Groundline shows on Home.
Available to spend
N$3,940
N$493 a day if spread evenly over 8 days.
73% of this month's income is spoken for.
Works in your browser. Nothing you type here is saved or sent. Sample figures are for Nangula, a made-up person.
All your income
Built for how you’re actually paid.
Money does not always arrive once a month from one place. Add each source in any mix, with its own timing.
Salary
Monthly, fortnightly or weekly, on its own payday.
Business income
Enter what you expect, then what actually came in.
Side income
Freelance work, a second job or a weekend stall, each as its own income.
Rent
Rent from a flat or a room, on its own date each month.
Grants and family support
Grants, pensions or money from family all count in the same plan.
Income this month
1 – 31 OctSalaryMonthly · 20 Oct
N$10,800Received
Freelance designSide income · N$1,500 expected
N$1,200Received
Room rentalRent · 1st of the month
N$2,500Received
Total receivedN$14,500
Sample data for Nangula, a made-up person.
Features
Plain facts about your own money.
Record, bills and spending
Record money in, a bill paid, spending or a debt payment from any page. Every bill and debit order stays in date order, marked paid or still to come.
7 paid2 to go · N$1,070
Savings and goals
Set a goal, give it a date and watch it fill. Savings, investments and retirement funds sit next to each other.
Holiday · 64%Emergency fund · 2.1 months
What you own and owe
Cash, savings, investments, property and money you lent, with every loan side by side, and your net worth over time.
N$67,680 net worthN$2,000 lent, due Dec
Monthly check-up and Your Story
Once a month, check what is still open and how your five vitals moved. Each saved month adds to Your Story, with a recap.
61 · StableUp 4 since September
What-if
Try a change before you make it, such as a raise, a new expense or saving more each month, and see the arithmetic on your own numbers.
9 simulators
Privacy
Your numbers stay yours.
No bank login
Groundline never connects to your bank and cannot move money. You type your figures or import a spreadsheet.
Encrypted
Financial fields are encrypted with AES-256-GCM before they are stored, and travel over TLS.
Export or delete
Download everything you entered, or delete your account, on any plan.
No ads, never sold
Your numbers are used to run Groundline and for nothing else.
Our story
Made in Namibia, for anyone.
Groundline started as a spreadsheet that could calculate everything but could not quickly answer one question: where does my money stand?
Pricing
Start free. Pro adds depth.
Free
USD 0
No time limit
- Plan each month and track bills
- Accounts, loans and net worth
- Monthly check-up and health score
- No ads
Pro
USD 3.99 a month
or USD 39.99 a year
- Everything in Free
- Unlimited What-if on all 9 simulators
- Unlimited goals
- Full history, Year in review and trends
- Diagnostics
- Personal Financial Statement (PDF) and reports (PDF, CSV)
Questions
Before you start.
Is this financial advice?
No. Groundline shows your own figures and the arithmetic behind them. What you do with your money is your decision.
Is there a phone app?
The Android app is coming soon to Google Play, with iPhone to follow. Until then, Groundline works in the browser on any phone or computer, with the same account.
Which currencies does it use?
Pick your currency in setup: Namibian dollar, South African rand, Botswana pula, Zambian kwacha, Kenyan shilling, Nigerian naira, Ghanaian cedi, US dollar, euro or British pound.
Something else? See Support or email support@cyberdyne.com.na.