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Walletproof is designed to help you track what you spend you're money on, regardless of how your bank accounts are structured. Simply enter your monthly income in "Recurring income" and your rent, water and heating bills etc. in "Recurring expenses" and your day to day expenses in "This month's expenses". You will know how much you have left to spend, but it is up to you to know where that money is kept, be it in a current account, savings account or under your pillow.