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Head to app.marvinmoney.com or grab Marvin from the App Store or Play Store. Hit Sign in → Continue with Google, or use email and click the verification link we send. About 30 seconds — you're in.

First sign-in plays a quick five-frame welcome (once, never again). Then the Dashboard opens. Three things to knock out right away: set country & currency in Settings, add your salary from the Add salary pill on the Dashboard, and add a recurring bill or two so the timeline has something to draw from.

Avatar (top right) → Settings → Country & currency. We auto-detect on first launch from your phone's locale, but you can change it any time. This drives plan prices, the currency symbol you see, and how I calibrate my tone — ₹400 for coffee in Mumbai is normal; CA$400 in Toronto isn't.

Salary: Dashboard → Add salary → amount, frequency (weekly / biweekly / monthly), next pay date. Anchors the pay-day forecast. Bills: Bills tab → Add bill → vendor, amount, day, frequency. Both land on the timeline immediately.

Most apps export to CSV. Settings → Import → drop the file in. I parse each row into a structured entry, you confirm the batch with one tap. We never need credentials from your old app. PDF statements? Use the Marvin Vision upload on the Dashboard instead.

It's the anchor everything else hangs on. Forecasts, pay-day balance, "can I afford X" — they all start from your real bank balance, plus expected salary, minus scheduled bills, minus typical discretionary. Without it, I'd be guessing. Add it once on Budget → tap the balance card → enter today's actual figure. Whole thing's 5 seconds.

An old balance drifts — small misses (cash withdrawals, refunds, transfers I didn't see) pile up over weeks. Re-anchoring once a week or after a big day keeps the forecast honest. When you update, anything dated on or before that new balance moves out of the timeline (already accounted for) and lives on in Spending for history. Both views together = the full picture.

Salary anchors the pay-day forecast. I use the amount + frequency + last pay date to project the next two pay days, which is how the timeline knows when more cash is coming in. Without it, I can only forecast what's leaving — not what's coming. Budget → tap Add salary → amount, frequency, last pay date. Done.

Open the Budget tab, scroll to the Income section, and tap your salary card. You can change any of it — take-home amount, frequency (weekly, biweekly, or monthly), or your next pay date. Save it and the timeline + forecast rebuild on the spot. If it's a one-off change rather than a permanent edit — a bonus week, partial pay, a missed cycle — don't touch the main salary card. Instead, tap that single salary entry on the timeline itself and override just that one date. Your regular schedule stays untouched and the rest of the forecast keeps using the real numbers.

Dashboard → camera icon (Marvin Vision). Snap or pick from gallery. I'll read merchant, total, date, currency and category in under a minute. Review card pops — confirm or tweak any field, save, and it lands on your timeline.

Same upload flow as a receipt — pick a PDF instead of a photo. I parse every line and hand them back to you for one-tap approval. Nothing posts to your timeline until you say yes.

Receipts: JPG, PNG, HEIC. Statements: PDF (single or multi-page). Bulk imports: CSV and XLSX. If a human can read it, Vision can usually read it too.

Three usual culprits: blurry or low-light photo, faded thermal-paper receipt, or a layout I haven't seen much of. Re-shoot in steady light at a slight angle to kill glare. If it still won't read, type the entry manually — I'll remember the merchant for next time.

Coming soon — forward a statement to a unique inbox like your-id@inbox.marvinmoney.com and I'll parse it on arrival. For now, download the PDF from your bank and run it through Vision.

Open the Marvin AI tab (Pro and Pro+). Just type — "how am I doing?", "can I afford a $200 jacket?", "what should I cut?". I check your real numbers (balance, bills, salary, recent spending) before answering, so the reply is grounded in your actual account, not a generic script.

I'd rather say so than guess. New account, no salary set, no transactions for the period you're asking about — I'll tell you straight. Add the missing piece (salary, balance, a few recent expenses) and ask again.

Tap the expense line in my reply (web) or long-press it (mobile). Or just tell me — "delete the $5 coffee from yesterday", "change Uber to $22". I'll always confirm before changing anything.

I use whatever currency you set in Settings. Every amount in chat carries your symbol, and my judgments are calibrated to your local cost-of-living — not USD. Change country in Settings and the next message recalibrates immediately, no app restart.

Settings → Marvin AI → Clear conversation. Chat history is gone immediately. The lightweight memory I keep to stay consistent in tone is also wiped.

Spending is your retrospective view — where your money already went. Filter by date (last month, this month, year-to-date, custom range), see category cards sorted by spend, drill into a category to see merchants, and ask me about any of it. The Budget tab is the forward view (what's coming); Spending is the rear-view mirror.

Two ways, whichever's quicker for you. In the UI: Spending tab → tap the expense row → the detail view opens with every field editable — amount, merchant, date, category, notes. Make the change, save. Or just tell me in chat — "change Uber to $22", "fix yesterday's coffee to $5", "rename the Walmart charge to Costco". I'll show you exactly what I'm about to update and wait for a yes before touching anything. No silent edits, ever.

Spending tab → tap the expense → Delete button at the bottom of the detail view. Or in chat: "delete the $5 coffee from yesterday". The expense is removed from your timeline and totals immediately — there's no soft delete or trash bin.

Two ways, depending on how many you're fixing. In the UI: Spending tab → tap the expense → category dropdown → pick the right one. Done. In chat: just tell me — "move the Walmart charge to Groceries", "recategorize Friday's coffee to Food", "put yesterday's Uber under Transit". I'll show you what I'm changing and wait for a yes. Got a pile of them? Drill into a category card on the Spending tab and use the multi-select — way faster when one merchant has been miscategorized for weeks.

Head into the Budget tab and tap your balance card up at the top — I usually nudge you there with the current figure. Drop in today's actual number and hit save. Everything I forecast hangs off this one figure: your real balance + the salary you've got coming in + the bills already scheduled out − the discretionary you typically spend = what you'll see on pay-day. So when the real balance drifts (cash withdrawal, refund, transfer I didn't catch), the forecast drifts with it. Re-anchor once a week or after a big day and we stay honest.

Bills tab → Add bill → vendor, amount, day-of-month, frequency (monthly / weekly / yearly / custom). It lands on the timeline going forward and folds into the pay-day forecast right away.

Head to Settings → Shared bills and add the account email of the person you split with — they add yours too, then either of you taps Request to link and the other confirms. From then on, when you add a bill in the Budget tab you can tick Share this bill, pick who's on it, and set each person's share (there's a split-equally shortcut). Everyone accepts their own share before it touches their budget, and each timeline only ever shows that person's share — never yours. On Starter you share with one other person; on Pro a bill can be split between up to 5 people including you; on Pro+ there's no limit. Whatever your plan, you can always be part of a bigger group that someone else runs. Tap any shared bill to see who's accepted and who's still pending — and send them a gentle reminder.

Two different moves on the same bill, depending on what you need. To skip a future bill: find it on the timeline and tap the small skip link next to the amount — it knocks the bill off this cycle's forecast and it'll be back next cycle automatically. Useful when you're paying late, the bill's a one-off, or it's just not due that month. The forecast recalculates the second you confirm, and you can unskip from the same row if you change your mind. To move a bill to a different date: tap the bill's amount on the timeline — that opens the inline edit with an amount field and a date picker side by side. Change the date, hit ✓, and the bill shifts to the new day. The timeline will show a little "moved from [old date]" note next to it so you know what happened. Same trick works for salary entries — tap the amount, pick a new date when pay-day shifts.

Free shows the current week. Starter, Pro, and Pro+ unlock the full timeline — past months and future months including the next two pay days. Tap the lock to see your upgrade options.

Nothing's lost — they moved. Timeline only shows transactions still affecting your forecast. Anything dated on or before your most recent bank balance is absorbed into the starting balance and lives on in the Spending dashboard for history. Both views together = the complete picture.

Budget is the forward view — what's left between now and your next pay-day. The hero card shows what you have today; the progress bar slices it into Spent + Planned (committed bills) + Remaining; the timeline below visualises every salary deposit, bill, and one-off expense between now and the horizon. If Spending is the rear-view, Budget is the windshield.

It slices your current-cycle money into three zones, left to right: Spent (yellow) is what's already gone, Planned (orange) is committed bills due before next pay-day, and Remaining (emerald glow) is what's actually free for you between now and pay-day. The little circle on the bar is the boundary between gone and coming. If the emerald section disappears, your bills + spend already booked the rest.

Yellow = Spent — money you've already moved out, today and earlier this cycle. Orange = Planned — bills already on the calendar but not yet paid (rent, subscriptions, recurring stuff coming up before next pay-day). Emerald = Remaining — what's truly available for the rest of the cycle after Spent + Planned are accounted for. The dollar totals next to each pill are the exact amounts.

The Timeline is your money calendar. Every salary deposit, every recurring bill, every one-off expense — all anchored to actual dates between your last bank-balance update and the forecast horizon. Each row is a real dollar in or out, with a status (due, paid, skipped, moved). Tap any future event to skip, move, or override the amount. It's the single view of where your money is going week by week.

Free shows the current week. Starter, Pro, and Pro+ unlock the full timeline — past months back as far as you've used Marvin, plus future months including the next two pay-days and the bills + forecast that fall between. Tap the lock anywhere on the timeline to see your upgrade options.

Tapping a bill on the Timeline only lets you edit it (amount or date override) — deletion lives on the source. Go to Bills (or scroll to the Planned bills list under the Budget) → swipe the bill row to the left → tap the red Delete button. The bill comes off the timeline and stops showing in future months. To skip just one occurrence (not delete the whole recurring template), tap that single instance on the timeline and use Skip this month instead.

I spot card payments automatically: a debit from your bank like VISA / AMEX / Mastercard payment, or a Payment received credit on the card statement — and if both sides are imported I count the payment once, never twice. Some banks word it differently though (a bare transfer or a reference number), and then I can't tell it's a card payment. Two fixes: open that transaction → Move → Loan → Credit Card Payment, or just tell me in chat — "that transfer on the 3rd was my card bill" — and I'll tag it. The Paid amount updates the moment it's tagged.

Web: Settings → Subscription → Cancel subscription. You keep everything until the end of the period you have already paid for — nothing is switched off that day — and Resume subscription brings it back any time before then. There is no separate pause: cancelling and resuming does the same job without losing what you paid for. iOS / Android: cancel in the App Store or Play Store subscription manager — Apple and Google insist cancellation happens on their side.

Settings → Subscription → Change plan. On the web both directions apply straight away: moving up, you pay the prorated difference for the rest of the month; moving down, you pay nothing now and the unused time comes off your next bill. Your renewal date never changes. On the App Store or Play Store, plan switches inside the same subscription group apply right away — even during the free trial — without losing the trial.

Web: Settings → Subscription → Manage billing (card & invoices) opens a secure portal where you can swap the card or pay with PayPal, and see every invoice. Your card details never touch us. Mobile: change it in your Apple ID or Google Play account — those stores own the billing for App Store / Play Store subscriptions.

Buy an AI Booster. It raises your AI allowance by a set percentage — +25% or +50% — for the rest of your current billing cycle. On the web: Settings → AI Usage → Add a Booster. Boosters are on Pro and Pro+, and are sold on the web only, not inside the iOS or Android apps.

A Booster ends when your cycle ends, and it costs the same whether that's a month away or a day. We show your renewal date before you buy — if it's close, waiting for the reset usually gets you more for the money.

Some banks — this is standard in India — cap how much a subscription is allowed to charge automatically. A bigger plan can go over the limit you approved for the smaller one, so your bank holds the payment until you say yes to the new amount. Nothing has gone wrong. You stay on your current plan, and you are not charged twice. This only affects subscriptions bought on the web, so approve it on the web: open Marvin Money in a browser → Settings → Subscription → Manage billing, or use the Update your payment method link we show you there. The moment your bank clears it we move you up — nothing to redo.

We don't take payments ourselves, so where you bought decides who refunds you — and each one has its own place to ask. Web: sold by Paddle as merchant of record, so Paddle's refund policy applies — ask within 14 days of a payment and Paddle decides. Use the receipt link in your payment confirmation email, or paddle.net. App Store: Apple took the payment and Apple alone decides — reportaproblem.apple.com, signed in with the Apple Account you bought on. Google Play: Google's policy applies — ask in your Play Store order history, and within 48 hours Google handles it directly; after that Google may point you back to us. One thing is always ours wherever you bought: a billing error — charged twice, charged after you cancelled, wrong amount, or charged and you didn't get what you paid for. Email billing@marvinmoney.com from your account address and a real person reads it. Cancelling is separate and always available — you keep what you've paid for to the end of the period. Full details on the refund policy page.

Settings → Data → Export my data. Confirm it's you and we'll email a single-use download link to your account email — a zip of everything Marvin holds for you (JSON, CSV, and any receipt images). Available on every plan, Free included. Prefer email? privacy@marvinmoney.com still works.

Settings → scroll down to Delete account → tap "I want to delete my account" → enter your password → "Permanently delete my account". You get 30 days to change your mind — sign back in and everything comes back. After that it's erased for good — gone within 31 days of the request: receipts, statements, what Marvin remembers about you, settings, bills, the lot. No backups, no recovery. Full details on the data deletion page.

Email privacy@marvinmoney.com from the account address with subject "GDPR data request". We respond within 7 days, usually within 24 hours, with a complete export of everything we hold for you.

When you scan a receipt or statement, Marvin reads it to pull out the transaction details — then discards the file. We don't keep the original image or PDF. The extracted data (merchant, amount, date, category) is encrypted in transit (TLS) and at rest (AES-256), used only to draw your timeline, generate insights, and answer your questions in chat. Never sold, never shared with brokers, never used to train shared AI models. Access is restricted to a small named team for incident response only.

Yes, if you'd like — it's optional and off by default. Bank connection is on Pro+, in the US and Canada today, with more countries coming. Turn it on in Settings and I can update your balance and pull in recent transactions for you to review. You sign in through a secure provider; your bank password never reaches Marvin. Disconnect anytime — anything already imported stays as your records. Everyone else (and anyone who prefers it) gets the same picture by typing an expense, snapping a receipt or uploading a statement.