Last Updated: 15 October 2026
Start with a monthly budget, keep a record of your spending and use those figures to plan ahead. Here's how the main features fit together.
Talents is a personal finance tracker for the web. Use it to plan monthly budgets, record expenses and see how your spending changes over time. Separate ledgers keep personal, business or shared finances organised within one account. To begin, create a ledger and set up your first month.
Yes. Set up a monthly plan with your income, planned savings and an allowance for flexible spending. Use Mandatory for essential bills, Common for regular flexible costs and Miscellaneous for other transactions. As you record spending, the monthly view shows how it compares with your plan. Set the miscellaneous allowance yourself or calculate it as a percentage of monthly income.
You can record monthly income, planned savings, expenses and miscellaneous transactions, with categories to organise your spending. Payment status helps you keep track of bills, while rolling expenses collect several entries under one running total. Annual tables and charts bring your recorded months together for review.
Yes. Save regular Mandatory and Common expenses as recurring templates so you can reuse them across months. Create a template in Recurring Templates, then choose Apply recurring templates in a monthly plan to add those costs to the selected month. Review the month's expense details and payment status as you go.
Yes. Projections let you try changes to income, spending or planned savings and see their effect on your available monthly balance. For example, explore a new recurring cost before adding it to your budget. You can also see the annual equivalent of that monthly balance. Purchase lists keep planned items together and can be applied to a ledger when you are ready. Saved projection and purchase-list limits depend on your plan.
Talents' Basic, Standard and Complex visual modes change how much financial detail you see. Basic focuses on key figures and fewer summaries. Standard adds context and charts, while Complex shows more breakdowns and controls where supported. They use the same financial records, and changing modes does not delete entries or change your plan permissions. Visual modes are separate from light and dark themes. Change modes in Settings whenever you need a different view.
Compare Basic, Standard and Complex with dashboard previews and examples from Talents.
Compare Free and Pro plans to check features and limits, or get started with Talents.
Help with ledgers, preferences and day-to-day tracking.
Yes. Talents is responsive and works across phone, tablet, and desktop.
Yes. Create a ledger for each area you want to keep separate, such as personal and business finances. Each ledger has its own budgets and expense records.
Open the sidebar and click the + button in the Ledgers section. Choose a name and type, then save.
Yes, with Pro. Open the ledger details and send an email invitation. The person you invite can accept the link and access the ledger according to the role you give them.
Yes. Switch between ledgers from the sidebar. The number of active ledgers you can own depends on your plan.
Mandatory is for fixed essential costs (rent, utilities). Common is for regular but more flexible recurring costs.
Manual mode lets you choose a fixed allowance for flexible spending. Automatic mode calculates it as a percentage of your monthly income, starting from the month you select.
Yes. All preferences can be updated anytime from Settings.
Rolling expenses collect entry history over time. You can add, edit, or delete entries and keep a running total.
Full CSV export is included with Pro. Open Settings and choose Export Data to select from the available ranges and ledgers. Exporting a shared ledger also depends on the owner's access and your permissions.
Account deletion is permanent and removes your data. You must confirm this in Settings > Danger Zone.
You need to sign in to access your financial records. Ledger access depends on ownership or an invitation, and each member's role controls what they can do. Read the Privacy Policy for details about the information Talents collects and uses.
In Settings, open Help & Support and find Guided tours. You can start the Core tour or Advanced tour again. The Advanced tour needs a selected ledger.
Visit Plans & pricing to compare Free and Pro, check purchase availability or redeem a discount code. When signed in, you can also see when your Pro access ends or manage renewal for an existing paid subscription.
Annual view reflects available monthly budget records. If a month has not been set up yet, it may not appear with full data.
Yes. Open Categories to rename a category or change its colour.
Yes. Pro includes shared ledgers, with roles that control whether a member can view or edit records. See Plans & pricing for current access and limits.
Use the feedback icon beside Settings in the sidebar to submit bug reports directly from inside the app.
Need a hand with Talents? Email us with your question and the page you were using.
Email SupportYou can also read our Privacy Policy for details about how Talents handles your information.