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Money Questions. Plain Answers.
Four topics. Each is the whole picture on one page, with a guide for every question under it.
Free to use. Windows and Android. No bank login.
Start here
One Ledger. Three Answers.
Net worth, budget and expenses read from the same ledger, so they never disagree.
Four topics
Pick the Question You Have.
Each topic opens with its answer, then the guides under it.
Budget Your Salary
Pay the bills first, plan each category, keep a cushion, and spend what is safe.
- How Do I Split a 20,000 EGP Salary?One worked example, from rent to savings.
- How Do I Build a Monthly Budget in EGP?A plan for each category that fits your salary, and what’s left every day.
- Why Does My Salary Run Out Before the Month Ends?The spending you cannot see, and how to find it.
- How Do I Budget When My Income Is Irregular?Build on the lowest income you can rely on.
- How Much Is Safe to Spend Before Payday?Your cash, less what is already promised before the next salary.
- How Much Do I Need in an Emergency Fund?Three to six months of essentials, and how to start small.
See Where It Goes
Bring in a statement once a month and the month reads itself.
- Where Does My Money Go? A Free Expense TrackerEvery pound out, by category, from your statements and the cash you spent.
- Can I Budget From My Bank Statement Without Sharing My Login?Bring in a CSV, match its columns once and check every row.
Know What You Own
Add up every place your money sits, take off what you owe, and that is your net worth.
- How Do I Work Out My Net Worth?Add up what you own in EGP, then take off what you owe and what isn’t yours.
- How Do I Track Gold, Certificates and Shares Together?One portfolio in EGP: what it earned, and what you added.
- How Do I Track Dollar Savings and US Shares in EGP?Dollars stay dollars, and add up in pounds at the day’s rate.
- How Do I Track Money I Hold for Someone Else?Their money stays in your account, but out of your net worth.
Your Data and Devices
Everything stays encrypted on your PC and phone, which meet over your own Wi-Fi.
- Where Does My Money Data Live?On your phone and your PC, encrypted. Never on a server.
- Can I Sync My Phone and PC Without the Cloud?One ledger over your own Wi-Fi.
Community stories
Share the habits that help you manage your money, and learn from other members.
Read or write a storyFrom the community
How people manage their money with Lightning, in their own words.
Posts on LinkedIn and Reddit by Lightning users. They open on those sites.
No stories yet. Yours could be the first.
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