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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.

Budget tab → scroll to the Income section → tap the salary card. Edit any of: take-home amount, frequency (weekly / biweekly / monthly), or next pay date. Save and the timeline + forecast recalculate immediately. If just one upcoming pay-day is different (bonus, partial pay, missed cycle), tap that specific salary entry on the timeline and override just that date instead — your regular schedule stays intact.

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.

Spending tab → tap the expense row → the detail view opens with editable fields (amount, merchant, date, category, note). Or just tell me in chat — "change Uber to $22" / "fix yesterday's coffee to $5". I'll always confirm before saving.

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. (1) In the UI: Spending → tap the expense → category dropdown → pick the right one. (2) In chat: tell me — "move the Walmart charge to Groceries". I'll confirm before applying. Bulk recategorize? Drill into a category card on Spending and use the multi-select.

Dashboard → tap the balance tile at the top → Update balance → today's actual figure. I anchor the forecast on this: today's balance + scheduled bills + expected salary − projected discretionary = pay-day balance.

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.

Tap any future bill on the timeline → Skip this month or Move to… with a date picker. Skip is one-time only — the bill returns next cycle. Forecast updates the moment you confirm.

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.

Settings → Subscription → Manage. Web subscribers land on the Stripe billing portal, where you can pause or cancel any time. iOS / Android subscribers go to the App Store or Play Store subscription manager — Apple and Google insist cancellation happens on their side.

Settings → Subscription → Change plan. Upgrades start immediately, pro-rated. Downgrades take effect at the end of your current cycle. 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 payment opens a secure Stripe portal where you can swap the card. Mobile: change it in your Apple ID or Google Play account — those stores own the billing for App Store / Play Store subscriptions.

Web: full refund within 30 days, no questions asked — email hello@marvinmoney.com from your account email. App Store / Play Store: Apple and Google own those receipts, so request a refund on their support pages. Happy to help where we can.

Settings → Privacy → Export. Pick CSV, PDF or JSON. I email you a download link in a few minutes. Available on every plan, Free included.

Settings → Privacy → Delete account → confirm. Everything goes within 30 days — receipts, statements, chat, settings, bills, the lot. No backups, no recovery. If there's anything you want to keep, hit Export from the same Privacy page first.

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.

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.