{ "installPrompt": { "iosDesc": "Add to your home screen for the best experience", "install": "Install", "tap": "Tap", "addToHomeScreen": "Add to Home Screen", "settings": { "title": "Install app", "description": "Add {{appName}} to your device for faster, full-screen access." }, "fullScreen": { "title": "Get the full {{appName}} app", "subtitle": "Add it to your home screen, it opens like a real app, full-screen and one tap away.", "benefit1": "Full-screen, no browser bars", "benefit2": "One tap from your home screen", "benefit3": "Faster every time you open it", "continueInBrowser": "Continue in browser", "settingsHint": "No problem, you can install anytime from Settings.", "cantFind": "Don't see “Add to Home Screen”? Scroll to the bottom of the Share menu, or tap “Edit Actions” to add it." }, "play": { "title": "Get {{appName}} on Android", "accountLabel": "Google account on this phone", "accountPlaceholder": "you@gmail.com", "next": "Next", "becomeTester": "Become a tester on Google Play", "testerHint": "Google Play opens. Come back here afterwards.", "download": "Download {{appName}}", "downloadHint": "Not there yet? Try again in a few minutes.", "testerAgain": "Open the tester page again", "invalidEmail": "That doesn't look like an email address.", "rateLimited": "Too many tries today. Try again tomorrow.", "failed": "That didn't work. Try again in a minute.", "settingsDesc": "Get the Android app from Google Play." } }, "appUpdate": { "title": "Update available", "description": "A new version of {{appName}} is ready", "updateNow": "Update now" }, "connectivity": { "offline": "You're offline", "offlineNoData": "You're offline, so your data can't load right now. It will load by itself once you're back online.", "backOnline": "Back online", "offlinePageBody": "{{appName}} needs a connection to show your money. Try again once you're back online.", "offlinePageRetry": "Try again" }, "cookieConsent": { "title": "Your privacy", "short": "Anonymous analytics to make {{appName}} better. No ads, never sold.", "learnMore": "Read our cookie policy", "acceptAll": "Accept all", "rejectAll": "Reject all", "customize": "Customize", "save": "Save choices", "category": { "necessary": { "label": "Strictly necessary", "desc": "Keeps you signed in. Always on." }, "recording": { "label": "Anonymous usage insights", "desc": "Anonymous and cookie-free. Turn off to opt out." }, "analytics": { "label": "Analytics cookies", "desc": "Recognizes your return visits. Off unless you accept." } }, "settingsRow": { "title": "Cookie preferences", "desc": "Manage analytics and tracking" }, "privacyManageButton": "Manage cookie preferences" }, "logoutPage": { "loggingOut": "Logging out...", "loggingOutDesc": "Please wait while we log you out securely.", "failedTitle": "Logout failed", "failedDesc": "Something went wrong while logging out. Please try again.", "retry": "Retry Logout", "returnToApp": "Return to Briliza", "thanksTitle": "Thanks for using {{appName}}", "thanksDesc": "We hope you found clarity in your finances. You've successfully logged out.", "loginAgain": "Login Again", "backHome": "Back to Home" }, "common": { "other": "Other", "copyValue": "Copy {{name}}", "discard": { "title": "Discard your changes?", "message": "Your changes haven't been saved yet and will be lost.", "confirm": "Discard", "keepEditing": "Keep editing" }, "sheet": { "closeAria": "Close panel" }, "showPassword": "Show password", "hidePassword": "Hide password", "items": "{{count}} items", "transactions": "transactions", "transactionsCount_one": "{{count}} transaction", "transactionsCount_other": "{{count}} transactions", "export": "Export", "previous": "Previous", "next": "Next", "continue": "Continue", "skip": "Skip", "clear": "Clear", "search": "Search…", "noResults": "No results", "cancel": "Cancel", "save": "Save", "saveFailed": "Couldn't save that. Try again.", "done": "Done", "on": "On", "off": "Off", "close": "Close", "optional": "Optional", "gotIt": "Got it", "loading": "Loading...", "opening": "Opening…", "redirecting": "Redirecting...", "checkingAuth": "Checking authentication...", "loadingUser": "Loading user...", "welcomeBack": "Welcome back, {{name}}", "total": "Total", "all": "All", "filter": "Filter", "sortAZ": "A-Z", "sortSmart": "Smart", "sortAmount": "Amount", "confirm": "Confirm", "delete": "Delete", "edit": "Edit", "change": "Change", "configured": "Configured", "turnOff": "Turn off", "noItems": "No items", "true": "True", "false": "False", "new": "New", "error": "Error", "saving": "Saving...", "back": "Back", "reload": "Reload", "accounts": "accounts", "assets": "assets", "periods": "periods", "owners": "owners", "noDescription": "No description", "units": "units", "avgPurchase": "Avg. purchase", "noPriceData": "No price data", "relativeTime": { "today": "today", "yesterday": "yesterday", "tomorrow": "tomorrow", "inDays": "in {{count}} days", "inWeek": "in 1 week", "inWeeks": "in {{count}} weeks", "inMonth": "in 1 month", "inMonths": "in {{count}} months", "inYear": "in 1 year", "inYears": "in {{count}} years", "inYearsMonths": "in {{years}}y {{months}}m", "thisMonth": "this month", "passed": "passed", "overdueDay": "overdue by 1 day", "overdueDays": "overdue by {{count}} days", "overdueWeek": "overdue by 1 week", "overdueWeeks": "overdue by {{count}} weeks", "overdueMonth": "overdue by 1 month", "overdueMonths": "overdue by {{count}} months" }, "unknown": "Unknown", "expandChart": "Expand chart", "moreOptions": "More options", "reset": "Reset", "aMonth": " a month", "noData": "No data", "apply": "Apply", "updating": "Updating…", "remaining": "Remaining", "file": { "choose": "Choose file", "change": "Change file", "none": "No file chosen" }, "adding": "Adding…", "counter": "{{index}} of {{total}}" }, "chart": { "labels": { "avg": "avg" }, "split": { "total": "Total", "owner": "By owner", "category": "By category", "kind": "By kind", "type": "By type" } }, "navigation": { "aria": { "collapseSidebar": "Collapse sidebar", "expandSidebar": "Expand sidebar", "main": "Main navigation", "toggleMenu": "Toggle menu" }, "mobile": { "label": "Mobile navigation" }, "sections": { "manage": "Manage", "insights": "Insights" }, "links": { "home": "Home", "transactions": "Transactions", "accounts": "Accounts", "assets": "Holdings", "summary": "Savings", "netWorth": "Net Worth", "ownerBalances": "Partner Balance", "balances": "Who owes whom", "expensePlanner": "Expense Planner", "expenseTracker": "Expenses", "future": "Future", "investing": "Investments", "settings": "Settings" }, "ownerFilter": { "title": "Filter by Owner", "selectAtLeastOne": "Select at least one owner", "selectOwner": "Select {{name}}", "trigger": "Filter by owner: {{label}}", "countSelected": "{{count}} owners selected", "labelAll": "Everyone", "labelPair": "{{a}} & {{b}}", "labelCount_one": "{{count}} owner", "labelCount_other": "{{count}} owners" } }, "home": { "greeting": { "morning": "Good morning", "afternoon": "Good afternoon", "evening": "Good evening" }, "netWorth": { "label": "Net Worth" }, "hero": { "up": "Up {{amount}} {{when}}.", "down": "Down {{amount}} {{when}}.", "flat": "Holding steady {{when}}." }, "headlines": { "saved": "Saved this month", "spent": "Spent this month" }, "answers": { "accounts": "{{amount}} across your accounts", "assets": "{{amount}} in holdings", "investing": "{{amount}} in investments", "netWorth": "{{amount}} right now", "receivables": "{{amount}} owed to you", "debts": "{{amount}} you owe", "saved": "{{amount}} saved this month", "overspent": "{{amount}} overspent this month", "spent": "{{amount}} spent this month", "ownerBalances": "{{amount}} still to pay back between owners" } }, "launchHub": { "title": "Where do you want to go?", "subtitle": "Welcome back. Jump straight to what you need.", "questions": { "accounts": "What's in my accounts?", "whereGone": "Where did my money go?", "leftToSpend": "What's left to spend?", "enoughLater": "Will I have enough later?", "worth": "What am I worth?", "investments": "How are my investments doing?", "oweWho": "Who owes whom?", "assets": "What are my holdings worth?" } }, "flow": { "title": "Money Flow", "income": "Income", "savings": "Savings", "deficit": "Deficit", "other": "Other", "totalIncome": "Total Income", "totalExpenses": "Total Expenses", "netSavings": "Net Savings", "savingsRate": "Savings Rate", "empty": { "title": "No transactions", "description": "Select a period with income and expense transactions to see your money flow." }, "settings": { "rangeMode": { "description": "Choose how the page selects the period to show.", "bucket": "Step by month / quarter / year", "bucketHint": "Default. Use ← → to walk through periods.", "custom": "Custom range", "customHint": "Power option, pick any from / to dates." }, "customRange": { "title": "Pick a custom range", "description": "Choose any start and end month. The ← → arrows then shift by the selected span." } } }, "report": { "pdf": { "warmTitle": "Your Money in {{period}}", "generatedOn": "Report generated on {{date}}", "youEarned": "You earned", "youSpent": "You spent", "youKept": "You kept", "youOverspent": "You overspent", "keptPositive": "That's a savings rate of {{rate}}. Nice month!", "keptNegative": "You spent {{overspent}} more than you earned.", "keptBreakeven": "You spent exactly what you earned. Perfectly balanced.", "category": "Category", "amount": "Amount", "total": "Total", "change": "Change", "comparisonTitle": "How things changed", "netSavings": "Net savings", "savingsRateLabel": "Savings rate", "unreviewedNote": "{{count}} transactions in {{period}} haven't been reviewed yet and may affect these numbers.", "earnedNarrative": "Most of your income came from {{category}} ({{amount}}, {{percentage}} of total).", "earnedNarrativeSingle": "All your income came from {{category}} ({{amount}}).", "spentNarrative": "Your biggest expense was {{category}} at {{amount}} ({{percentage}} of spending).", "spentNarrativeSingle": "All your spending went to {{category}} ({{amount}})." } }, "categories": { "compare": "Compare", "hideComparisonTooltip": "Hide period comparison", "comparingVs": "vs {{period}}", "compareTooltip": "Compare with {{period}}", "filterBy": "Filter by {{category}}", "clickToFilter": "Click to filter by {{category}}" }, "budget": { "noBudget": "No plan", "ofBudget": "of {{amount}}", "status": { "onTrack": "On Track", "over": "Over", "noBudget": "No Plan" }, "accuracy": { "description": "Analyzes how well your planned expenses match your actual spending over time. Higher accuracy means better planning.", "title": "Planning Accuracy Analysis" }, "breakdown": { "title": "Planned vs Spent by Category" }, "emptyState": { "description": "Set up planned expenses in Plan to see planned vs actual analysis.", "title": "No planned expenses" }, "title": "Spending Plan" }, "settings": { "pageTitle": "Settings", "sections": { "money": "Finances", "app": "App", "support": "Support" }, "profile": { "title": "Profile", "description": "Manage your account and personal info", "avatar": { "title": "Avatar" }, "language": { "title": "Language", "description": "Choose your preferred language" }, "languageSaved": "Language preference saved", "personalInfo": { "title": "Personal Information", "birthYear": "Birth year", "username": "Name", "usernameSaved": "Name updated", "usernameEmpty": "Name can't be empty", "description": "Your account details" }, "security": { "title": "Security & Sign-in", "emailPassword": "Email & Password", "emailPasswordDesc": "Sign in with your email", "google": "Google", "googleDesc": "Sign in with Google", "connected": "Connected", "notConnected": "Not connected", "changePassword": "Change password", "setPassword": "Set a password", "setPasswordDesc": "Add email sign-in so you can also log in without Google", "createPassword": "Create password", "passwordSet": "Password set. You can now sign in with your email too.", "newPassword": "New password", "confirmPassword": "Confirm password", "passwordTooShort": "Password must be at least 6 characters", "passwordsMismatch": "Passwords do not match", "updatePassword": "Update Password", "passwordUpdated": "Password updated successfully", "passwordRequired": "All password fields are required", "currentPassword": "Current password", "currentPasswordWrong": "Current password is incorrect", "description": "Manage how you access your account" }, "session": { "signOut": "Sign Out" }, "country": { "title": "Where you pay tax", "description": "Decides which country's taxes and products you see.", "placeholder": "Not set yet" }, "household": { "add": "Add your partner", "remove": "Remove your partner", "saveError": "Couldn't save who uses this login. Try again." }, "currency": { "title": "Home currency", "description": "The single currency all your totals are shown in. Your accounts and transactions keep their own currencies, switching only changes how amounts are displayed, never your data." } }, "calculationMethod": { "title": "Income View", "rawView": "Everything", "rawViewDesc": "Show all income and expenses as-is, including money you can't freely spend (e.g. investments, locked savings).", "adjustedView": "Adjusted View", "adjustedViewDesc": "Reimbursements and cost-covering income reduce your expenses instead of appearing as income. Your net result stays the same, but both totals look lower.", "spendableOnly": "Spendable Only", "spendableOnlyDesc": "Hide income you can't freely spend (e.g. investments, locked savings). Only shows money that actually hits your wallet.", "recommended": "Recommended" }, "groupBy": { "title": "Group By", "monthly": "Monthly", "quarterly": "Quarterly", "yearly": "Yearly" }, "displayValues": { "title": "Show as", "total": "Total", "monthlyAverage": "Avg / month" }, "displayOptions": { "title": "Display Options", "line": "Line", "bar": "Bar", "amounts": "Amounts (€)", "percentages": "Percentages (%)" }, "emptyState": { "title": "No settings available", "description": "All options are accessible from the main view" }, "beta": { "label": "Beta", "toggle": "Show beta features", "description": "Early features that may change or be removed. Help us improve by trying them out!", "title": "Experimental" }, "demoMode": { "toggle": "Privacy mode", "description": "Blur all financial numbers for screen sharing" }, "features": { "assets": "Holdings", "assetsDescription": "Track property, vehicles, retirement funds, and other valuables", "investing": "Investing", "investingDescription": "Track your stock, ETF, bond, or crypto portfolio", "hasDataHint": "Can't turn off, you have active accounts using this feature", "assetsOffWarning": "This will hide your holdings from the app.", "investingOffWarning": "This will hide your investment accounts from the app." }, "preferences": { "title": "What you track", "description": "Sections of the app you use", "periodGranularity": "Period view", "periodMonth": "Monthly", "periodQuarter": "Quarterly", "periodYear": "Yearly" }, "labs": { "title": "Early Access", "footerLink": "Early Access", "featuresTitle": "What's in beta right now", "featuresSubtitle": "Everything below appears only while beta is on. Each one is marked Beta wherever it shows up in the app.", "lizaCheck": { "gaps": { "title": "Couldn't answer yet", "description": "Questions where Liza had to say she can't show it yet — the next things to build, from what was really asked. Tap one to read the conversation.", "empty": "No gaps noted yet." }, "title": "Liza check", "tools": "read {{tools}}", "bank": { "description": "The question bank: built from your own categories, owners, accounts, holdings and months in English, Dutch and Spanish, plus every question that once made Liza confuse two words. Each answer must be built on the right call (the figure, category, owner and period asked), quote the app's own figure where it is one figure, and keep rules that hold for any question — no raw links, every figure opens a view, it names what was asked, the question's language. Each question is asked three times on the chosen model and passes only if all three answers do. They don't count against your daily Liza questions.", "runAi": "Every question, {{attempts}} times each", "progress": "{{done}} of {{total}}…", "summary": "{{passed}} of {{total}} questions right all {{attempts}} times · {{once}}% of single answers right · {{wrong}} wrong figures · {{p50}} s typical, {{p90}} s slow · {{rounds}} rounds per answer", "pass": "Passes", "fail": "Breaks a rule", "setup": "Model", "copyReport": "Copy report", "asking": "Asking…" } }, "features": { "netWorthComposition": { "title": "Net worth composition", "description": "The composition breakdown on the net worth page." }, "futureCash": { "title": "Future cash in net worth", "description": "Money you'll receive and scheduled payments, shown as net worth categories." }, "modelPortfolio": { "title": "Model portfolio", "description": "Plan target allocations, rebalancing steps and the backtest." }, "plannerGrid": { "title": "Planner grid view", "description": "The whole-year grid editor in the expense planner, next to the guided flow." }, "accountActivity": { "title": "Account activity", "description": "Balance trends and sync logs on an account's detail page." }, "weekRange": { "title": "52-week range", "description": "The cheap-vs-the-year price bar on an asset's research page." }, "priceReading": { "title": "Reading a price chart", "description": "The 50 and 200-day average lines on an asset's research chart, with the explainer on what they can and cannot tell you." }, "future": { "title": "Future", "description": "Where your money is heading: your wishes, your cushion and what is left to invest." }, "loanSimulator": { "title": "Loan simulator", "description": "Model a loan's repayment schedule from a borrowed-money category." }, "comparePeriods": { "title": "Compare periods", "description": "Put two months, quarters or years side by side from an income or spending page." }, "loans": { "title": "Loans", "description": "Mortgages and loans as accounts you owe, with their rate and repayment schedule. Payments are not split into interest and capital yet." }, "sharedPurchase": { "title": "Shared purchases", "description": "Record that someone else paid part of a purchase, so every figure shows only your share. The way it settles when you sell is still being worked out." }, "company": { "title": "A company you own", "description": "Add your company as a holding: its yearly accounts, the payouts still to come to you, and what it pays for you." } } }, "incomeHandling": { "title": "Income Handling", "standard": "Standard", "standardDesc": "All income counts as income, all expenses as expenses. Simple, clear, and recommended for most people.", "purposeBound": "Purpose-bound income", "purposeBoundDesc": "For advanced users. Reimbursements and cost-covering income reduce your expenses instead of increasing your income. Same bottom line, different presentation." }, "categories": { "title": "Income & Expense Categories", "description": "Show or hide categories in your transaction flow", "intro": "Browse your income and spending. Add anything you're missing, and hide what you'll never use.", "addCategory": "Add category", "addPlaceholder": "Name this category", "noMoreSlots": "No more room to add here", "hideAction": "Hide", "showAction": "Show", "deleteAction": "Delete", "deleted": "Category deleted", "quickSetup": "Quick setup", "quickSetupDescription": "Answer a few questions and we'll hide the categories you don't need.", "allHidden": "All categories hidden", "allShown": "All categories shown", "hidden": "Category hidden", "visible": "Category visible", "inUse": "In use", "hideWarning": "{{count}} transactions use this category, it will still appear in history", "hideExplanation": "Hidden categories will not appear when classifying transactions, but existing data is kept.", "hideAll": "Hide all", "showAll": "Show all", "subcategories": "Subcategories", "usedBy": "{{count}} uses", "edit": "Edit", "editTitle": "Edit Category", "customSlot": { "tapToName": "Tap to name", "badge": "Custom" } }, "incomeGroups": { "title": "Income Sources", "description": "Tap a group to open it, then add or hide its subcategories.", "alwaysOn": "Always on", "showLabel": "Track this income source", "enabled": "Income group enabled", "disabled": "Income group hidden", "employment": { "name": "Employment", "description": "Salary, wages, and benefits from an employer" }, "selfEmployment": { "name": "Self-Employment", "description": "Freelance work, consulting, and side gigs" }, "business": { "name": "Business", "description": "Revenue from a business you own or operate" }, "investments": { "name": "Investments", "description": "Dividends, interest, capital gains, and rental income" }, "supportOther": { "name": "Support & Other", "description": "Government benefits, gifts, and other income" } }, "expenseGroups": { "title": "Expense Categories", "description": "Tap a group to open it, then add or hide the ones you don't need.", "food": { "name": "Food & Drinks", "description": "Groceries, dining out, and drinks" }, "housing": { "name": "Housing", "description": "Rent, mortgage, utilities, and maintenance" }, "transportation": { "name": "Transportation", "description": "Car, public transport, and commuting" }, "health": { "name": "Health", "description": "Insurance, medical, pharmacy, and wellness" }, "lifestyle": { "name": "Lifestyle", "description": "Shopping, entertainment, and hobbies" }, "familyGiving": { "name": "Family & Giving", "description": "Children, gifts, donations, and support" }, "holidays": { "name": "Holidays", "description": "Travel, accommodation, and vacation expenses" } }, "personalize": { "start": "Personalize", "redo": "Re-personalize", "redoDescription": "Your categories have been personalized. You can adjust them anytime.", "done": "Done", "categoriesAffected": "Categories affected", "steps": { "earning": { "title": "How do you earn money?" }, "family": { "title": "Who's in your family?" }, "transport": { "title": "How do you get around?" }, "health": { "title": "Which health costs do you have?" }, "lifestyle": { "title": "What do you spend your free time on?" } }, "questions": { "selfEmployment": { "question": "Do you freelance or consult?", "subheader": "Side gigs, consulting, or any work outside traditional employment" }, "business": { "question": "Do you run a business?", "subheader": "A company, LLC, or any entity that generates revenue separately from you" }, "children": { "question": "Do you have children?", "subheader": "From childcare to school supplies, we'll also track child benefit income" }, "familySupport": { "question": "Do you financially support your family?", "subheader": "Whether you contribute at home or send money to family elsewhere" }, "planeCommute": { "question": "Do you regularly travel by plane?", "subheader": "For work commutes, visiting home, or living abroad, not holiday flights" }, "therapy": { "question": "Do you see a physiotherapist?", "subheader": "Physio, osteopath, speech therapy, or other physical treatments" }, "mentalHealth": { "question": "Do you see a psychologist or coach?", "subheader": "Therapy sessions, coaching, self-help tools, or mental health courses" }, "dental": { "question": "Do you go to the dentist regularly?", "subheader": "Checkups, treatments, or orthodontics beyond emergency visits" }, "eyeCare": { "question": "Do you need specialist eye care?", "subheader": "Regular eye exams, glasses, or contact lenses" }, "pets": { "question": "Do you have pets?", "subheader": "They're family too, we'll track food, vet visits, and everything in between" } } }, "subscription": { "title": "Subscription", "description": "Manage your goals and life changes and billing" }, "relationship": { "ownersExplainer": { "title": "Owners & sharing", "subtitle": "Team up with a partner and every euro has a clear home, yours, theirs, or shared.", "you": "You", "shared": "Shared", "partner": "Partner", "paidByYou": "paid by you", "caption": "A relationship gives you three owners, and every transaction belongs to exactly one. Paid a shared cost from your own account? It still belongs to Shared, and you both see all three.", "tx": { "lunch": "My lunch", "haircut": "Haircut", "rent": "Rent", "groceries": "Groceries", "gym": "Gym" } }, "title": "Relationship", "description": "Manage shared finances and partner access" }, "help": { "title": "Help & Resources", "description": "Learn about features and terminology" }, "signOut": "Sign Out", "deleteAccount": { "button": "Delete my account", "title": "Delete your account?", "message": "This permanently deletes your account and everything in it: your accounts, transactions, plans, investments, and connected banks. It cannot be undone and your data cannot be recovered. Only invoices we must keep for tax reasons are retained.", "confirm": "Delete my account", "cancel": "Cancel", "confirmPrompt": "Type your email address to confirm", "pending": "Deleting your account and all your data. Please keep this page open until it finishes.", "blocked": { "title": "You're connected with a partner", "body": "Your account is part of a relationship, so it can't be deleted on its own. We can delete it for you instead.", "request": "Ask us to delete your account" }, "blockedRelationship": "Your account is part of a relationship, so it can't be deleted on its own.", "sessionExpired": "Your session expired, so nothing was deleted. Sign in again to continue.", "error": "Something went wrong and your account was not deleted. Please try again." }, "notifications": { "title": "Notifications", "description": "Push notifications and alerts" }, "goals": { "title": "Financial Goals", "description": "Set savings and independence targets", "activeCount_one": "{{count}} active", "activeCount_other": "{{count}} active", "pageTitle": "Financial Goals", "fi": { "toggle": "Financial Independence", "description": "Track your path to financial independence", "targetAge": "Target age", "targetAgePlaceholder": "e.g. 55", "targetAgeHint": "Shows as \"On track for FI by age X\" instead of years" }, "savings": { "toggle": "Savings Target", "description": "Set a target percentage of income to save each month", "targetPercent": "Target savings rate", "targetPercentPlaceholder": "e.g. 30" }, "emergency": { "toggle": "Emergency Fund", "description": "How long you'd last on cash alone if income stopped. Keep this amount liquid, in accounts, not bonds or investments.", "targetMonths": "Target months", "monthsLabel": "months" }, "subtitle": "Define your financial targets to track progress", "flow": { "rail": { "fi": "Independence", "savings": "Savings", "emergency": "Safety net", "tracking": "Tracking" }, "hint": "Pick a target to start tracking this goal.", "turnOff": "Turn off this goal" } }, "incomeSplit": { "description": "Set how much of each income you're willing to spend, the rest stays off-limits" }, "title": "{{view}} Settings" }, "feedback": { "title": "Send Feedback", "placeholders": { "bug": "What went wrong? What did you expect to happen?", "feedback": "What's on your mind?", "feature": "What would you like to see?" }, "types": { "bug": "Bug report", "feedback": "Feedback", "feature": "Feature request" }, "send": "Send", "sending": "Sending...", "sent": "Thanks for your feedback!", "sentDesc": "We read every message and use it to improve the app.", "sentToast": "Message sent. Thanks!", "error": "Couldn't send, please try again.", "close": "Close", "privacyNote": "We'll include your browser and current page to help debug.", "privacyNoteBug": "We'll include a screenshot of this page with your financial values hidden, plus your browser and URL, to help debug.", "whatsapp": "Or chat with us on WhatsApp", "whatsappPrefill": "Hi! I have a question about {{appName}}." }, "notifications": { "pageTitle": "Notifications", "permissionDenied": "Turn it back on in your phone's Settings, under Notifications", "installRequirement": "Add {{appName}} to your home screen first", "subscribeSuccess": "Notifications enabled!", "subscribeError": "Failed to enable notifications", "unsubscribeSuccess": "Notifications disabled", "markAllAsRead": "Mark all as read", "allCaughtUp": "You're all caught up!", "categories": { "action": "When something needs you" }, "morningReview": { "title": "Daily review", "when": "At {{time}}, only when there's something to review" }, "resolve": "Done", "devices": { "pushOnThisDevice": "Push on this device" }, "email": { "weekly": "Weekly recap", "monthly": "Monthly recap" }, "launch": { "title": "Want a heads-up when something needs you?", "body": "That is the only thing we send, plus a daily review if you turn it on. You can change it any time in Settings.", "enable": "Turn on notifications" }, "banner": { "review": "Get reminded when transactions need reviewing.", "bell": "We've flagged {{total}} things for you here. Want them on your phone too?", "bellEmpty": "Want the next one on your phone?", "enable": "Enable", "maybeLater": "Maybe later" }, "quietHours": { "description": "No push notifications between these times", "title": "Quiet hours" }, "rules": { "title": "Alert thresholds" }, "subtitle": "Choose which notifications you receive", "types": { "title": "Notification types" }, "topics": { "title": "Notify me about" }, "manageSettings": "Notification settings" }, "relativeTime": { "justNow": "Just now", "yesterday": "Yesterday", "lastWeek": "Last week", "minutesAgo": "{{count}} min ago", "hoursAgo": "{{count}}h ago", "daysAgo": "{{count}} days ago" }, "timeUntil": { "expired": "Expired", "today": "Today", "tomorrow": "Tomorrow", "days_one": "{{count}} day", "days_other": "{{count}} days", "weeks_one": "{{count}} week", "weeks_other": "{{count}} weeks", "months_one": "{{count}} month", "months_other": "{{count}} months", "years_one": "{{count}} year", "years_other": "{{count}} years" }, "period": { "relative": { "thisMonth": "This month", "lastMonth": "Last month", "nextMonth": "Next month", "thisQuarter": "This quarter", "lastQuarter": "Last quarter", "nextQuarter": "Next quarter", "thisYear": "This year", "lastYear": "Last year", "nextYear": "Next year" }, "when": { "inPeriod": "in {{label}}", "allTime": "since you started" } }, "toast": { "pendingEditsSaved": "Saved {{count}} edits from your last visit", "reviewNoAccess": "You can no longer change this transaction. It was shared with you and that access ended, or it was deleted.", "clipboardFailed": "Your browser wouldn't let us copy. The amount is {{value}}.", "notificationsRegion": "Notifications", "saved": "Saved", "deleted": "Deleted", "copied": "Copied", "updated": "Updated", "created": "Created", "error": "Something went wrong", "errorWithMessage": "Error: {{message}}", "networkError": "Network error, check your connection", "markedReviewed": "Marked as reviewed", "markedUnreviewed": "Marked as not reviewed", "transactionUpdated": "Transaction updated", "transactionDeleted": "Transaction deleted", "transactionCopied": "Transaction copied", "splitCreated": "Split created", "splitDeleted": "Part deleted", "budgetCopied": "Plan copied", "budgetSaved": "Plan saved", "accountConnected": "Account connected", "accountReconnected": "Account reconnected", "importStarted": "Import started", "importComplete": "Import complete", "priceUpdated": "Price updated", "categorySaved": "Category saved", "categoryDeleted": "Category deleted", "labelSaved": "Label saved", "labelDeleted": "Label deleted", "settingsSaved": "Settings saved", "clipboardCopied": "Copied to clipboard", "stillLoading": "Still loading...", "stillLoadingTransactions": "Still loading all transactions. Please wait a moment and try again.", "stillLoadingTransfer": "Still loading linked transfer. Please wait a moment and try again.", "cannotEditReviewed": "Cannot edit: transaction is reviewed", "cannotChangeInvestmentType": "Can't change type of investment transactions, edit the buy/sell on the Investing page.", "cannotDeleteInvestment": "Delete investment transactions on the Investing page.", "transactionAdded": "Transaction added", "failedSaveTransaction": "Failed to save transaction", "transferNotSaved": "The transfer couldn't be saved, so nothing changed", "moveLineLeftBehind": "The cash line it started couldn't be removed, so it's still in your list", "failedDeleteTransaction": "The transaction couldn't be deleted", "failedLinkExistingTransfer": "These two transactions couldn't be linked, so both are unchanged", "periodReset": "Period reset", "partAdded": "Part added", "allPartsReviewed": "All parts are already reviewed", "transferLinked": "Transfer linked!", "transferCreated": "Linked transfer created!", "couldNotFindAccount": "Could not find destination account", "spreadRemoved": "Spread removed", "cannotSpreadReviewed": "Cannot spread: transaction is reviewed", "cannotSpreadMultiple": "Use spread on individual split parts instead", "cannotSplitReviewed": "Cannot split: transaction is reviewed", "cannotSplitMultiple": "Cannot split: already has multiple parts", "cannotSplitTransfer": "Cannot split transfers", "splitMin": "Minimum 2 parts required", "invalidPercentage": "Invalid percentage", "percentageTooHigh": "Total percentage cannot reach 100%", "invalidAmount": "Invalid amount", "partsExceedTotal": "Other parts exceed the total amount", "noDataToExport": "No data to export", "csvExported": "CSV exported", "chartSaved": "Chart saved as PNG", "failedLoadData": "Failed to load data", "failedPreview": "Failed to preview", "noEarlierData": "No earlier data available", "noLaterData": "No later data available", "splitFailed": "Couldn't split: {{message}}", "allPartsUnreviewed": "No parts are reviewed", "lastPartUnreviewed": "Last part unreviewed, its amount changed", "spendableUpdated": "Spendable percentage updated to {{percentage}}%", "failedUpdateSpendable": "Failed to update spendable percentage", "failedUpdatePeriod": "Failed to update period", "incomeAllocated": "Income allocated", "failedAllocate": "Failed to allocate income", "allocationRemoved": "Allocation removed", "failedRemoveAllocation": "Failed to remove allocation", "updatingAllocations": "Updating your plan...", "budgetUpToDate": "Your plan is up to date", "enterAtLeastOneAmount": "Please enter at least one amount", "planSaved": "Spending plan saved for {{count}} categories!", "failedSavePlan": "Failed to save. Please try again.", "interestUpdated": "Interest updated", "startBalanceSet": "Balance saved", "cashBalanceSet": "Cash balance saved", "failedInterest": "Failed to update interest", "failedStartBalance": "Failed to save balance", "cannotEditTransferReviewed": "Cannot edit: transaction or linked transfer is reviewed", "reviewComplete": "Reviewed {{count}} transactions", "reviewedParts": "Marked {{count}} parts as reviewed", "unreviewedParts": "Unreviewed {{count}} parts", "spreadReconfigured": "Spread reconfigured over {{count}} months", "spreadFailed": "Couldn't spread: {{message}}", "unspreadToEditAmounts": "Every part is spread. Remove a spread to change amounts.", "failedInitialValue": "Failed to save value", "initialValueSet": "Value saved", "changedTo": "Changed to {{name}}", "cannotDeleteOnlyPart": "Cannot delete the only remaining part", "cannotStrandHoldingMove": "Remove the holding move first, or delete the whole transaction", "cannotDeleteReviewedPart": "Cannot delete a reviewed part", "copyFailed": "Couldn’t duplicate: {{message}}" }, "subscription": { "pageTitle": "Subscription", "popular": "Most Popular", "currentPlan": "Current plan", "trialingBadge": "On trial", "manageBilling": "Manage billing", "manageSubscription": "Manage subscription", "managedOnWeb": { "title": "Managed on the web", "note": "Your plan is managed on your {{appName}} account at {{site}}.", "cta": "Plan details" }, "current": { "daysLeft": "{{days}} days left", "cancelingEnds": "Ends {{date}}. You keep access until then.", "pastDueLine": "Payment failed. We're retrying, and you keep access.", "labelPrice": "Price", "labelNextPayment": "Next payment", "perMonth": "per month", "labelFreeUntil": "Free until", "labelThen": "Then" }, "choose": { "title": "Choose your plan" }, "sections": { "yourPlan": "Your Plan", "switchPlans": "Switch plans", "upgrade": "Upgrade", "changePlan": "Change plan", "considerPremium": "Consider Premium", "whatYouLose": "What you'll lose" }, "status": { "active": "Active", "pastDue": "Past Due", "canceling": "Canceling" }, "plan": { "freeDescription": "Basic personal finance tracking", "manualDescription": "Everything, tracked by hand", "plusDescription": "Advanced features for serious planners", "premiumDescription": "Complete solution for couples and families" }, "info": { "billing": "Billing", "monthly": "Monthly", "yearly": "Yearly", "renewsOn": "Renews on", "endsOn": "Ends on" }, "upgrade": { "button": "Upgrade now", "startTrial": "Start your 14-day free trial", "seeAllPlans": "See all plans", "bank": { "title": "Connect your bank", "subtitle": "Sync this account automatically so every transaction lands on its own, no manual entry.", "winbackTitle": "Keep your bank in sync", "winbackSubtitle": "Your transactions and balance stopped updating when your plan ended. Resubscribe to bring them back, automatically.", "benefits": [ "Every transaction imported automatically", "Sorted into categories for you", "Your balance always up to date" ] }, "investing": { "title": "Track your investments", "subtitle": "See every holding, your real return and where your money is working, all in one place.", "benefits": [ "Live portfolio value and returns", "Profit, dividends and fees broken down", "Every buy, sell and payout on one timeline" ], "winbackTitle": "Unlock your full investment insights", "winbackSubtitle": "You had all this. Unlock it again to track every holding, your real return and where your money is working, all in one place." }, "household": { "title": "Share with your partner", "subtitle": "Manage money together, see all of it in one place and settle up fairly.", "benefits": [ "A shared space for joint money", "Both your accounts in one place", "See who paid and settle up easily" ] }, "tracking": { "title": "Keep tracking your money", "subtitle": "Log every expense, plan what's left and see your whole financial picture, all in one place.", "benefits": [ "Track every expense and income by hand", "Plan ahead and see where your money goes", "Reports, net worth and forecasts unlocked" ], "winbackTitle": "Pick up where you left off", "winbackSubtitle": "Your data is safe and waiting. Resubscribe to keep tracking, planning and seeing your full financial picture." } }, "subscribe": { "getTier": "Get {{tier}}", "unlockTier": "Unlock {{tier}}", "resubscribe": "Resubscribe", "keepTier": "Keep {{tier}}", "continueWithTier": "Continue with {{tier}}", "trialNote": "Subscribe now, only pay when your trial ends" }, "switchPlan": { "intro": "Cheaper plans give up Premium features:" }, "success": { "title": "Welcome to your new plan!", "description": "Your subscription has been activated. Enjoy all your new features." }, "pastDue": { "title": "Payment Failed", "description": "We couldn't process your payment. Please update your payment method to avoid losing access." }, "canceling": { "title": "Subscription Ending", "description": "Your subscription will end on {{date}}. You'll keep access until then." }, "banner": { "trialDaysLeft": "Your trial ends in {{days}} days", "trialEndingSoon": "Your trial ends tomorrow", "trialExplainer": "Without a subscription, you'll return to the free plan and lose features like automatic bank imports.", "trialNoCardExplainer": "No card on file yet, subscribe to keep {{tier}}, or you'll return to the free plan and lose features like automatic bank imports.", "trialAutoConvert": "Your trial becomes paid {{tier}} when it ends, manage or cancel anytime.", "pastDue": "We couldn't process your last payment. Update your payment method to keep access.", "cancelingEnds": "Your plan ends on {{date}}. You'll lose access to premium features.", "reactivate": "Reactivate", "updatePayment": "Update payment" }, "trialBanner": { "daysLeft": "{{days}} days of Premium left", "urgent": "Only {{days}} days left in your trial", "lastDay": "Last day of your free trial", "ending": "Premium ends {{date}}", "seePlans": "See plans", "resume": "Resume", "dismiss": "Dismiss" }, "trialEnded": { "title": "Your free trial has ended", "body": "Pick a plan to keep your Premium features. Your data is safe and waiting for you.", "cta": "See plans", "later": "Maybe later" }, "featureGate": { "description": "This feature requires a {{tier}} plan or higher.", "title": "Premium Feature" }, "subtitle": "Manage your plan and billing", "title": "Subscription", "trial": { "description": "Enjoy full access to all features during your trial.", "title": "Free Trial Active", "keepHeadline": "Keep your complete picture", "progressLabel": "{{left}} of {{total}} days left" }, "trust": { "secure": "Secure checkout by Stripe", "cancelAnytime": "Cancel anytime", "noChargeYet": "No charge until you confirm" }, "terms": { "auto": "You'll be charged {{price}} automatically every month until you cancel.", "autoAfterTrial": "When your trial ends, you'll be charged {{price}} automatically every month until you cancel.", "autoGeneric": "You'll be charged automatically every month until you cancel.", "autoGenericAfterTrial": "When your trial ends, you'll be charged automatically every month until you cancel." } }, "relationship": { "pageTitle": "Relationship", "stage": { "together": "Shared space", "inviteSent": "Invite sent", "inviteReceived": "Invite waiting", "connected": "Connected" }, "ask": { "eyebrow": "Partner invite", "body": "Your partner invited you. You'll both see each other's accounts, and what you pay for together lands in the shared space.", "seeHow": "Look first or decline" }, "flow": { "steps": { "learn": "How it works", "sharing": "What you share", "invite": "Invite partner" }, "learn": { "title": "Team up with your partner" }, "sharing": { "title": "What you get together" }, "invite": { "title": "Invite your partner" }, "connected": { "title": "You're connected" }, "pendingSent": { "title": "Invite waiting for your partner", "subtitle": "No email goes out. When your partner logs in, the invite is on their home screen." }, "pendingReceived": { "title": "Join {{name}}?", "titleSeveral": "You've been invited", "subtitle": "You'll both see each other's accounts, and what you pay for together lands in the shared space." }, "together": { "title": "Your shared space", "subtitle": "What you share lives here. Your partner can join it later." } }, "active": { "connectedWith": "Connected with {{name}}", "rename": "Rename" }, "invite": { "benefits": { "shared": "Track shared expenses without spreadsheet math", "settle": "See who owes whom at the end of the month", "private": "See all your money, yours and theirs, in one place" }, "partnerEmail": "Partner's email", "emailPlaceholder": "partner@example.com", "emailHelp": "The email your partner logs in with. They need their own login.", "relationshipName": "Name of your shared space", "namePlaceholder": "e.g., John & Jane", "sendButton": "Send invite", "sendingButton": "Sending…" }, "together": { "startWithoutInvite": "Create the shared space, invite later", "accountsLabel": "Which accounts belong to {{name}}?", "accountsTitle": "Shared accounts", "accountsCount_one": "1 account is shared", "accountsCount_other": "{{count}} accounts are shared", "accountsNone": "None yet: choose your joint account", "moveConfirm": "Move", "moveTitle": "Move {{account}} to {{name}}?", "moveIn": { "message": "All its transactions move with it and count as shared from now on. Money you transfer into it from your own accounts counts as your contribution." }, "moveOut": { "title": "Move {{account}} back to you?", "message": "All its transactions move back with it. Transfers between it and {{name}} become plain transfers again, and a category you gave them is cleared." }, "moveOther": { "message": "All its transactions move with it. Its transfers to and from your other accounts are re-typed, and a category you gave them may be cleared." } }, "pending": { "accept": "Accept", "decline": "Decline", "sentDescription": "Waiting for your partner to accept", "cancel": "Cancel invite" }, "owners": { "you": "You", "partner": "Partner", "shared": "Shared space" }, "sharing": { "partnerPrivate": "Not shared yet" }, "errors": { "emailRequired": "Fill in the name and your partner's email", "noUserEmail": "Your login has no email, so the invite can't be sent", "inviteFailed": "Couldn't send the invite", "approveFailed": "Couldn't accept the invite", "denyFailed": "Couldn't decline the invite", "deleteFailed": "Couldn't cancel the invite", "togetherFailed": "Couldn't create the shared space", "moveFailed": "Couldn't move the account", "noLogin": "No login uses this email yet. Ask your partner to sign up with this email first, then invite again.", "partnerTaken": "This person already has a shared space, so they can't join a second one.", "youTaken": "You're already connected with a partner.", "self": "That's your own email. Use your partner's." }, "success": { "invitationSent": "Invite ready: {{email}} sees it after logging in" }, "editOwner": { "title": "Rename owner", "nameLabel": "Name", "namePlaceholder": "Enter owner name", "typePersonal": "Personal", "typeRelationship": "Relationship", "nameEmpty": "Name cannot be empty", "saveFailed": "Failed to update owner", "save": "Save", "saving": "Saving…" }, "split": { "pageTitle": "If you go separate ways", "entry": { "title": "If you go separate ways", "description": "See how your shared money would be divided" }, "result": { "sharedCaption": "Your shared money today", "sharedTile": "Shared", "inItTitle": "What's in it", "partOf": "{{name}}'s part", "partCaption": "Of your shared money", "halfLeft": "Half of what's left", "halfLeftSub": "{{amount}} left once you're both paid back", "halfShort": "Half of the shortfall", "halfShortSub": "Paying you both back takes {{amount}} more than you share", "backFor": "Back for what {{name}} paid for you both", "stillOwes": "What {{name}} still owes the shared money", "seeHow": "See how it built up", "happensTitle": "What needs to happen", "paymentCaption": "Then you're both settled up", "halfOfPaid": "Half of what {{name}} paid for you both", "halfOfOwes": "Half of what {{name}} still owes the shared money", "owesDirectly": "What {{debtor}} still owes {{creditor}} directly", "pays": "{{debtor}} pays {{creditor}}", "evenTitle": "You're settled up", "ownStays": "What's in your own name stays yours and isn't part of this.", "disclaimer": "A rough estimate, not legal advice." } } }, "spendableEditor": { "hintZero": "This income won't count toward your planned expenses.", "hintPurposeBound": "This income will lower your expense total instead of showing as income.", "allocateTitle": "Allocate to", "allocateHint": "Choose which month and category this income offsets.", "periodQuestion": "Which month's expenses does this offset?", "categoryLabel": "Category", "noCategorySelected": "Pick a category" }, "allocationModal": { "title": "Allocate from {{party}}", "available": "available", "periodLabel": "Allocate for period", "addCategory": "Add category", "removeCategory": "Remove category", "distributeEvenly": "Distribute evenly", "toFirst": "to first", "total": "Total", "of": "of", "allocate": "Allocate", "invalidAllocation": "Invalid allocation" }, "transactions": { "transferStatus": { "movedTo": "Moved to", "movedFrom": "Moved from", "notLinked": "Not linked", "viewLinked": "View linked transaction", "viewHolding": "View holding", "viewCompany": "View company", "unlink": "Unlink", "linkThis": "Link this transfer", "linkRequired": "Required to complete the transfer", "loadingLinked": "Loading linked transfer…", "unknownAccount": "Unknown account" }, "splitExplainer": { "title": "Splitting a transaction", "subtitle": "One payment can cover several things, split it so each part lands in its own category.", "merchant": "Colruyt", "groceries": "Groceries", "household": "Household", "caption": "A €100 shop isn't all groceries. Split it, €80 to groceries, €20 to household, and each part is tracked and budgeted on its own." }, "addTransaction": "Add transaction", "interestLine": "Interest", "addInterestAmount": "Add {{amount}} interest", "interestAdded": "Interest added: {{amount}}", "addInterest": "Add interest", "searchPlaceholder": "Search transactions", "paused": { "title": "New transactions paused", "subtitle": "We stopped importing from {{bank}} when your plan ended.", "subtitleNoBank": "We stopped importing new transactions when your plan ended." }, "forecast": { "pastHint": "This forecast is in the past", "editDate": "Update date" }, "history": { "direction": { "all": "All", "incoming": "Incoming", "outgoing": "Outgoing" }, "summary": { "incoming": "Incoming", "outgoing": "Outgoing", "netFlow": "Net Flow" }, "searchPlaceholder": "Search transactions...", "export": "Export" }, "backToAccounts": "Accounts", "backToTransactions": "Transactions", "wizard": { "title": "Add transaction", "discard": { "title": "Discard this transaction?", "message": "Your details haven't been saved yet and will be lost.", "confirm": "Discard", "keepEditing": "Keep editing" }, "searchAccounts": "Search accounts…", "from": "From", "to": "To", "selectAccount": "Select account", "selectBelow": "Select below", "swapAccounts": "Swap accounts", "forecastFilterChip": "Forecast accounts only", "noForecastAccounts": "No forecast accounts", "noMatchFound": "No match found", "noAccountsFound": "No accounts found", "addForecastHint": "Add a forecast account to get started", "addNewAccountHint": "Add a new account", "noForecastAvailable": "No forecast accounts available", "date": "Date", "description": "Description", "partyMerchant": "Shop or person", "optional": "optional", "owner": "Whose", "party": "Shop or person", "descriptionPlaceholderTransfer": "e.g., Travel cash", "descriptionPlaceholderExpense": "e.g., Coffee at Starbucks", "partyPlaceholder": "e.g., Starbucks", "todayChip": "Today", "yesterdayChip": "Yesterday", "errorForecastFutureDate": "This is a forecast account, select a future date", "errorPastDateForecastNeeded": "Dates after tomorrow require a forecast account", "directions": { "incomingCard": "I got money", "incomingDesc": "Salary, refunds, repayments", "outgoingCard": "I spent money", "outgoingDesc": "Bills, shopping, lending", "transferCard": "Between my accounts", "transferDesc": "Savings, paying off a card, a top-up", "holdingCard": "Something I own", "holdingDesc": "Buy, sell, or a payout from a holding" }, "bankLinked": { "addAnyway": "Add it anyway" }, "syncGate": { "heading": "This will likely sync itself", "body": "{{name}} usually imports this within a day or two.", "wait": "OK, I'll wait" }, "taxOwed": "Tax you still owe", "taxOwedHint": "{{rate}} of what landed. Change it if your statement says otherwise.", "questions": { "account": "Which account is it for?", "direction": "What happened?", "transferTo": "Where did the money go?", "transferFrom": "Where did the money come from?", "when": "When was it?", "amountIn": "How much came in?", "amountOut": "How much did you pay?", "holdingFrom": "Which holding did it come from?", "holdingTo": "Which holding did it go to?", "category": "Which category fits?", "extra": "Anything to add?", "owner": "Whose is this?", "transferOwner": "Whose money moved?", "review": "Is this right?", "typeIn": "What kind of money was it?", "typeOut": "What kind of payment was it?" }, "taxTaken": "Tax the bank kept", "taxTakenHint": "{{rate}} of what it paid before tax. Change it if your statement says otherwise." }, "transferModal": { "title": "Link transfer", "pick": { "headingIn": "Which account sent this?", "headingOut": "Which account received this?", "chooseAccount": "Choose an account", "searchPlaceholder": "Search accounts…", "noAccountsMatch": "No accounts match \"{{query}}\"", "noAccountsAvailable": "No other accounts available", "somethingYouOwn": "Something you own", "addAccount": "Add account" }, "candidates": { "heading": "Pick the matching transaction on {{name}}", "subheading": "Linking keeps both sides in sync.", "noDescription": "No description", "noneOfThese": "None of these, enter it manually" }, "waitForSync": { "heading": "Give it a moment to sync", "body": "{{name}} syncs from your bank. The matching transaction usually appears within 24-48 hours. Come back then to link it.", "cta": "OK, I'll check back", "addAnyway": "Add it anyway" }, "noMatch": { "heading": "No match found", "bodyBackfill": "This transfer is older than a week, so {{name}}'s bank sync won't import it, so create it here instead.", "bodyManual": "We'll add the other side and keep both in sync.", "cta": "Create transfer on {{name}}", "creating": "Creating…" } }, "transferWizard": { "matchesFound": "{{count}} matches found", "title": "Link Bank Transfer", "introBefore": "We found a transfer of", "introAfter": "that was {{direction}} {{preposition}} account {{account}}.", "directionIncoming": "incoming", "directionOutgoing": "outgoing", "prepositionIncoming": "to", "prepositionOutgoing": "from", "chooseEndpoint": "To complete the link, please choose the {{endpoint}} account.", "endpointDestination": "destination", "endpointOrigin": "origin", "selectLabel": "Select the {{endpoint}} account", "selectPlaceholder": "Choose an account to continue", "unnamedAccount": "Unnamed Account", "matchesFound_one": "We found {{count}} potential match in that account that could correspond to this transfer.", "matchesFound_other": "We found {{count}} potential matches in that account that could correspond to this transfer.", "noMatches": "No likely matches found in the selected account. You can still create a new linked transfer.", "linkHeading": "Link to a matching transaction", "linkSubheading": "These transactions are similar in amount and date. Select one to link.", "linkPlaceholder": "Choose a matching transaction", "linkButton": "Link to Selected Transaction", "createHeading": "Or create a new transaction", "createSubheading": "If there's no suitable existing match, you can create a new transfer entry in the selected account.", "createButton": "Create New Linked Transaction", "cancelAndClose": "Cancel and close", "detailNotFound": "Unable to locate the transfer detail.", "close": "Close" }, "spread": { "label": "Spread", "reconfigure": "Reconfigure spread", "remove": "Remove spread", "perMonth": "{{months}}mo · {{amount}}/mo", "title": "Spread over periods", "monthCountLabel": "Number of months ({{min}}-{{max}})", "startQuestion": "Which month does the spread start?", "preview": "Preview", "perMonthLabel": "Per month", "periodRange": "Period range", "lastMonth": "Last month", "spreading": "Spreading…", "confirm": "Spread over {{count}} months" }, "spreadsOverview": { "title": "Spreads", "emptyTitle": "No spreads yet", "emptyDescription": "Spread an expense or income across months from its transaction card, and it'll show up here." }, "split": { "title": "Split Transaction", "splitInPartsPrefix": "Split in", "splitInPartsSuffix": "parts", "decreaseParts": "Decrease parts", "increaseParts": "Increase parts", "enterAs": "Enter as", "remainder": "Remainder", "splitIntoParts": "Split into {{count}} parts", "descriptionPlaceholder": "Description (optional)", "removePart": "Remove part", "saveAmount": "Save amount", "amountMustBeUnder": "Must be under {{amount}}", "amountMustBeAbove": "Must be more than {{amount}}", "partsCount_one": "{{count}} part", "partsCount_other": "{{count}} parts", "spreadsCount_one": "{{count}} spread", "spreadsCount_other": "{{count}} spreads" }, "reviewNudge": { "title": "{{count}} transaction to review", "subtitleRecent": "From the past 30 days", "button": "Review" }, "columns": { "period": "Period", "owner": "Owner", "date": "Date", "type": "Type", "category": "Category", "subcategory": "Subcategory", "description": "Description", "amount": "Amount", "paymentDate": "Payment date", "account": "Account", "totalAmount": "Total amount" }, "labels": { "income": "income", "expense": "expense", "spendableIncome": "Spendable Income", "noSubcategory": "Uncategorized", "multiple": "Multiple", "spread": "Spread", "details": "{{count}} details", "contribution": { "givenTo": "Given to {{name}}", "receivedFrom": "Received from {{name}}" } }, "pagination": { "showing": "{{count}} transactions ({{details}} details)" }, "export": { "noData": "No data to export", "success": "CSV exported", "successDesc": "{{count}} transactions" }, "emptyState": { "title": "No transactions found", "description": "No transactions found for the selected filters. Please select another period or category." }, "list": { "noAccountsTitle": "No accounts yet", "noAccountsDesc": "Add your first account to start tracking transactions.", "noAccountsCta": "Add account", "noTransactionsTitle": "No transactions yet", "noTransactionsDesc": "Transactions will appear here once imported or added.", "noMatchTitle": "No matching transactions", "noMatchDesc": "Try adjusting your search or date filters.", "clearFilters": "Clear filters", "loadMore": "Load more ({{count}} remaining)" }, "interestGap": { "header": "Expected", "payment": "Interest payment", "aroundDate": "around {{date}}", "add": "Add", "remindLater": "Remind me later", "paymentsMissing_one": "{{count}} interest payment", "paymentsMissing_other": "{{count}} interest payments", "feesMissing_one": "{{count}} broker fee", "feesMissing_other": "{{count}} broker fees", "aroundRange": "around {{from}} – {{to}}" }, "openingBalance": { "label": "Starting point", "fallbackTitle": "Account starting balance", "amountCaption": "balance before tracking", "basisPrefix": "calculated from your", "basisOn": "balance on {{date}}", "edit": "Edit balance" }, "title": "Transactions", "detailTitle": "Transaction", "card": { "selectCategory": "Select category", "mixedTypes": "Mixed types", "selectType": "Select type", "unknownType": "Unknown", "splitInParts": "Split in {{count}} parts", "openingBalance": "Opening Balance", "funded": "Funded", "editAmount": "Edit amount", "editParty": "Edit description & party", "party": "Party", "partyNamePlaceholder": "Party name", "partyLabels": { "borrowed": "Borrowed from", "advanced": "Lent to", "payback": "Paid back to", "reimbursed": "Got back from" }, "partyPlaceholders": { "borrowed": "Who did you borrow from?", "advanced": "Who did you lend to?", "payback": "Who are you paying back?", "reimbursed": "Who paid you back?" }, "partyHelper": { "borrowed": "Who you borrowed from, a person, not the shop.", "advanced": "Who you lent to, a person, not the shop.", "payback": "Who you're paying back.", "reimbursed": "Who paid you back." }, "partySuggestion": "From this transaction", "whoFor": "Who is this for?", "fromWhoToWho": "From whom to whom?", "personPlaceholder": "Their name", "toWhom": "To whom?", "fromWhom": "From whom?", "choosePerson": "Choose someone", "actions": { "split": "Split", "duplicate": "Duplicate" }, "spreadMismatch": "The months in this spread don't all share the same type. Reconfigure it to line them up.", "debtRecap": { "whoPrompt": "who?", "monthPrompt": "pick a month" }, "dueChip": "back {{month}}", "purpose": "Purpose", "purposeQuestion": { "label": "What was this?", "out": { "gave": { "title": "Given", "description": "It's {{other}}'s now and counts as spending" }, "counts": { "title": "Paid back or lent", "description": "It counts in what you and {{other}} still owe each other" } }, "in": { "gave": { "title": "Received", "description": "It's yours now and counts as income" }, "counts": { "title": "Got back or borrowed", "description": "Paid back for something you paid, or borrowed from {{other}}" } }, "answerFirst": "Say what this was first" }, "transferFromTo": "Transfer from → to", "selectOwner": "Select owner", "reimbursement": { "lead": { "you": "This counts as your income.", "owner": "This counts as {{who}}'s income." }, "match": "Did it pay you back for {{what}} on {{date}}?", "none": { "you": "Did it pay you back for something you paid for {{pot}}?", "owner": "Did it pay {{who}} back for something they paid for {{pot}}?" }, "effect": { "you": "Then this income goes away and your own spending drops.", "owner": "Then this income goes away and {{who}}'s spending drops." }, "yes": "Yes, link it", "other": "Something else", "choose": "Choose the expense" }, "countsForMonth": "Counts towards {{month}}", "someoneElse": "Someone else" }, "validation": { "transferOwnerDifferentOwners": "Transfer Owner must have different owners. Change to Transfer or select different owners.", "confirmDebtParty": "Pick the person first", "addDebtParty": "Add the person before confirming" }, "unlink": { "notLinked": "This transaction is not linked to a transfer.", "unreviewSource": "Please un-review this transaction before unlinking.", "unreviewLinked": "Please un-review the linked transaction before unlinking.", "title": "Unlink transfer", "otherAccount": "the other account", "willDeleteMessage": "This becomes a regular entry. The linked transaction on {{name}} was auto-created for this transfer and will be deleted.", "keepMessage": "Both sides become regular income/expense again. The linked transaction on {{name}} will be kept.", "holdingMessage": "This removes the payout from {{name}} and its value-hold. The cash stays here as regular income.", "confirmUnlink": "Unlink", "confirmUnlinkDelete": "Unlink & Delete", "holdingConfirm": "Remove payout", "unreviewBoth": "Please un-review both transactions before unlinking.", "noAccess": "You can't change the other side of this transfer, so it stays linked.", "done": "Transfer unlinked", "doneAndDeleted": "Transfer unlinked, and the other transaction deleted", "deleteFailed": "The other transaction couldn't be deleted, so the transfer is unchanged", "notFound": "This transaction couldn't be found", "failed": "The transfer couldn't be unlinked" }, "delete": { "title": "Delete transaction", "partTitle": "Delete part", "message": "Delete this transaction?", "partMessage": "Delete this part?", "confirm": "Delete" }, "deleteDetailFailed": "Couldn't delete the entry. Please try again.", "duplicateSheet": { "title": "Duplicate transaction" }, "filters": { "searchPlaceholder": "Description, party, category…", "unreviewedOnly": "Unreviewed only", "dateFrom": "From", "dateTo": "To", "clearDates": "Clear date range" }, "periodPicker": { "resetToDate": "Reset to transaction date ({{period}})", "other": "Other…", "selectPeriod": "Select period" }, "matrix": { "year": "Year", "quarter": "Quarter" }, "editSheet": { "editDate": "Edit date", "editDetails": "Edit details", "bankData": "Bank data", "parts_one": "{{count}} part", "parts_other": "{{count}} parts" }, "interestTaxLine": "Tax on interest", "composite": { "taxOwedChip": "{{amount}} tax owed", "getBackChip": "{{amount}} to get back", "getBackDoneChip": "Paid back", "receivedInterest": "Interest received", "receivedDividends": "Dividends received", "taxOwed": "Tax you still owe", "kept": "Yours to keep", "paid": "You paid", "getBackFrom": "To get back from {{party}}", "getBack": "To get back", "cost": "Your share", "shareOf": "{{party}}'s share", "share": "Someone else's share", "shareChipOf": "{{amount}} is {{party}}'s", "shareChip": "{{amount}} isn't yours", "recap": { "tax": "{{amount}} of this is tax you still owe, to pay by {{month}}.", "share": "{{amount}} of this is {{person}}'s.", "getBack": "You expect {{amount}} back from {{person}} by {{month}}." }, "fields": { "tax": { "party": "Tax bill", "period": "Pay by" }, "share": { "party": "Whose share", "period": "Month" }, "getBack": { "party": "Comes back from", "period": "Expected by" } }, "taxPaid": "Tax, paid on {{date}}", "taxPaidChip": "{{amount}} tax paid" }, "taxDebt": { "lineOpen": "{{amount}} of this is tax you still pay with the {{year}} tax bill.", "linePaid": "{{amount}} of this was tax, paid with the tax bill of {{date}}.", "payoffSettled_one": "Pays off {{party}}: {{count}} line, {{owed}} in all.", "payoffSettled_other": "Pays off {{party}}: {{count}} lines, {{owed}} in all.", "payoffOver": "Pays off {{party}}: {{owed}} was open, {{over}} paid on top.", "toReturn": "What to fill in? {{year}} return" }, "interestTax": { "saved": "Saved: the bank kept that tax.", "savedOwed": "Saved: {{amount}} tax still owed." }, "share": { "howQuestion": "How do you want to divide this?", "othersPayBack": "Others pay part of it back", "byCategory": "Split over categories", "whoQuestion": "Who pays you back?", "amountQuestion": "How much do you get back?", "amountHint": "It doesn't have to be right. When the money comes in, one tap sets the real amount.", "namePlaceholder": "Name", "addMore": "Someone else pays back too", "saved": "{{amount}} to get back from {{party}}", "savedMany": "{{amount}} to get back from {{count}} people", "othersPayBackExample": "A dinner, the dentist", "byCategoryExample": "Groceries and the pharmacy in one payment", "gotBackPart": "Part of it is money paid back to you", "gotBackPartExample": "Your employer refunding a train ticket", "whoPaidBack": "Who paid you back?", "amountGotBack": "How much of it is paid back?", "received": "You received", "gotBackFrom": "Got back from {{party}}", "savedGotBack": "{{amount}} got back from {{party}}", "savedGotBackMany": "{{amount}} got back from {{count}} people", "pickAfterSave": "After saving, you pick the payment." } }, "netFlow": { "moneyContext": { "advancesIncoming": "Got back", "advancesOutgoing": "Lent", "borrowedIncoming": "Borrowed", "borrowedOutgoing": "Paid back", "investmentIncoming": "Investment sold", "investmentOutgoing": "Investment bought" }, "emptyState": { "description": "Try selecting a different date range.", "title": "No transactions in this period" } }, "oweLanding": { "cards": { "loans": { "title": "Loans" }, "heldForOthers": { "title": "Other people's money" }, "tax": { "title": "Tax" } } }, "auth": { "unsubscribe": { "askWaitlistTitle": "Stop Briliza emails?", "askWaitlistBody": "You'll come off the Briliza list and we'll stop writing to you.", "askWaitlistButton": "Take me off the list", "askChannelTitle": "Stop {{what}}?", "askChannelBody": "We'll stop sending you {{what}}. Everything else stays as it is.", "askChannelButton": "Stop these mails", "working": "One moment…", "doneWaitlistTitle": "You're off the list", "doneWaitlistBody": "We won't write to you again. If you change your mind, briliza.com is always here.", "doneWaitlistLink": "Go to briliza.com", "doneChannelTitle": "Done", "doneChannelBody": "You won't get {{what}} anymore. You can switch it back on any time in your settings.", "doneChannelLink": "Notification settings", "invalidTitle": "This link no longer works", "invalidBody": "It may be more than a year old. Reply to any of our mails and we'll take you off.", "failed": "That didn't go through. Try again.", "channels": { "email_weekly": "the weekly summary", "email_monthly": "the monthly summary", "email_product": "tips and reminders" } }, "common": { "or": "or", "and": "and", "continueWithGoogle": "Continue with Google", "orContinueWithEmail": "or continue with email" }, "brand": { "headline": "Your whole financial life, in one place.", "tagline": "Accounts, spending, investing and plans, together, and always up to date." }, "form": { "email": "Email", "emailPlaceholder": "you@example.com", "yourEmail": "Your email", "password": "Password", "enterPassword": "Enter your password", "createPassword": "Create a password", "minCharacters": "Minimum 6 characters" }, "login": { "welcomeBack": "Welcome back", "subtitle": "Log in to your account", "signingIn": "Signing in...", "forgotPassword": "Forgot password?", "loggingIn": "Logging in...", "logIn": "Log in", "noAccount": "Don't have an account?", "signUpFree": "Sign up free" }, "signup": { "premiumFree": "14-day Premium free trial", "createAccount": "Create your account", "noCreditCard": "No credit card required", "invitedGreeting": "Welcome, {{name}}. Your invite is in. No credit card required.", "sentTitle": "Check your email", "sentBody": "We've sent a confirmation link to {{email}}. Click it to activate your account.", "signingUp": "Signing up...", "existingAccount": "Looks like you already have an account. If you signed up with Google, use Continue with Google above.", "logInInstead": "Log in instead", "creatingAccount": "Creating account...", "createAccountBtn": "Create account", "termsPrefix": "By signing up, you agree to our", "terms": "Terms", "privacyPolicy": "Privacy Policy", "hasAccount": "Already have an account?" }, "logout": { "loggingOut": "Logging out...", "logout": "Logout" }, "reset": { "title": "Reset Password", "subtitle": "Enter your email address and we'll send you a link to reset your password.", "sendingLink": "Sending reset link...", "sendLink": "Send reset link", "sentTitle": "Check your email", "sentBody": "We've sent a password reset link to {{email}}. Click it to choose a new password.", "resendPrompt": "Didn't receive it?", "resend": "Resend link", "resending": "Resending...", "resendIn": "Resend in {{seconds}}s", "rememberPassword": "Remember your password?", "backToLogin": "Back to login" }, "updatePassword": { "title": "Update Password", "subtitle": "Enter your new password below.", "newPassword": "New Password", "enterNewPassword": "Enter new password", "confirmPassword": "Confirm Password", "confirmNewPassword": "Confirm new password", "updating": "Updating password...", "updateBtn": "Update Password", "backToApp": "Back to Briliza" }, "errors": { "googleSignInFailed": "Google sign-in failed. Please try again.", "googleLoginFailed": "Google login failed. Please try again.", "loginFailed": "Login failed. Please try again.", "googleSignupFailed": "Google signup failed. Please try again.", "signupFailed": "Signup failed. Please try again.", "resetFailed": "Failed to send reset link. Please try again.", "updateFailed": "Failed to update password. Please try again.", "invalidCredentials": "Invalid email or password. Please try again.", "emailNotConfirmed": "Please confirm your email address before logging in.", "userNotFound": "No account found with this email address.", "accountExists": "An account with this email already exists.", "weakPassword": "That password isn't valid. Please try another.", "unknown": "Something went wrong. Please try again." }, "callback": { "completing": "Completing sign in...", "subtitle": "Just a moment while we finish setting things up.", "failed": "Something went wrong. Please try logging in again." }, "confirm": { "title": "Confirming your link...", "subtitle": "Just a moment while we verify your link.", "invalid": "This link is invalid or has expired.", "requestNew": "Request a new one", "backToSignIn": "Go to sign in" }, "validation": { "emailRequired": "Email is required", "emailInvalid": "Please enter a valid email address", "passwordRequired": "Password is required", "passwordTooShort": "Password must be at least {{count}} characters long", "passwordMismatch": "Passwords do not match", "passwordNoNumber": "Password must contain at least one number", "passwordNoLetter": "Password must contain at least one letter" }, "success": { "passwordUpdated": "Password updated successfully!" } }, "helpCenter": { "pageTitle": "Help Center", "metaDescription": "Get help with {{appName}}. Guides, tutorials, and answers about spending plans, accounts, and financial tracking.", "hero": { "title": "How can we help?", "subtitle": "Search or browse topics below", "searchPlaceholder": "Search for help..." }, "domains": { "setup": "Getting set up", "line": "Every transaction", "actions": "What you can do to it", "read": "Reading your money", "plan": "Planning & expenses", "grow": "Investing" }, "searchNoResults": "No matching concepts", "glossary": { "sectionTitle": "Glossary", "holdings": { "openLabel": "What are holdings?", "title": "What are Holdings?", "subtitle": "Everything of value you own, gathered in one place", "intro": "Holdings are the valuable things you own that don't sit in a bank account or a broker: your home, your car, jewelry, an insurance plan or a pension. Give each one a value and we fold it into your net worth.", "vsAccountsLabel": "Not your accounts", "vsAccountsText": "Money you spend from lives in Accounts.", "vsInvestmentsLabel": "Not your investments", "vsInvestmentsText": "Funds, shares and ETFs live in Investments, also when you hold them at your bank instead of a broker.", "typesHeading": "What you can add", "caption": "Add anything of value, give it a worth, and watch it count toward what you're really worth." }, "shift": { "title": "Shift", "subtitle": "When the month you pay isn't the month it's for", "pill": "Shift", "rentTitle": "Rent for {{month}}, paid in {{prevMonth}}", "cashflowCaption": "Money In & Out counts it in {{month}}: the day the money left.", "periodCaption": "Income & Expenses counts it in {{month}}: the month it's really for.", "footer": "Most payments land in their own month. But a charge made just before the month it covers shifts: it shows in one month under Money In & Out and the next month under Income & Expenses. Same euro, two questions." }, "spread": { "title": "Spread", "subtitle": "A one-off cost shared across the months it covers", "pill": "Spread", "phoneTitle": "New phone, {{amount}}", "cashflowCaption": "Money In & Out counts the full {{amount}} the month you paid.", "periodCaption": "Income & Expenses spreads it, about {{amount}} a month across the year.", "footer": "A big one-off cost doesn't have to land in a single month. Income & Expenses can spread it across the months it covers, so one month doesn't look unfairly heavy." }, "cushion": { "title": "For next months", "subtitle": "What's left over, carried month to month", "monthHeader": "Month (plan − spent)", "cushionHeader": "Set aside", "m1": "January", "m2": "February", "m3": "March", "m1Note": "Spent €200 under plan, more set aside for next months", "m2Note": "A big overspend takes from next months", "m3Note": "Back under plan, climbing out of the red", "caption": "What's set aside for next months is last month's leftover plus this month's plan minus what you spent. Spending less grows it; spending more shrinks it. Only a negative balance, a real deficit, is worth worrying about." }, "fifo": { "title": "FIFO", "subtitle": "When you sell, your oldest shares go first", "oldest": "Oldest", "newest": "Newest", "lot1": "Bought Jan", "lot2": "Bought Mar", "lot3": "Bought Jun", "soldTag": "Sold first", "sellLabel": "You sell some", "sellResult": "January shares leave first", "caption": "First in, first out: a sale draws from your oldest lots before newer ones. That fixes which purchase price counts toward your gain, the method most tax authorities expect." }, "priceReading": { "title": "Reading a price chart", "subtitle": "What past prices can and cannot tell you", "openLabel": "What can a price chart tell me?", "predictsLabel": "Does predict", "doesNotLabel": "Does not", "averages": { "title": "The average lines", "what": "Each line is the average closing price of the last 50 or 200 trading days, redrawn every day. It smooths the jitter so the shape of the past is easier to see.", "predicts": "Nothing. It is a summary of prices that have already happened.", "doesNot": "Where the price goes next. Rules like \"buy when it crosses above\" looked profitable in early studies, then failed once researchers corrected for the thousands of rules they had tried. That is why this page shows the lines but draws no conclusion from them." }, "caption": "A price chart shows you what a thing has done, in a shape your eye can read. It cannot tell you what happens next, and anything on this page that pretended otherwise has been taken off it." }, "netWorth": { "title": "Net Worth", "subtitle": "Everything you own minus everything you owe", "openLabel": "What is net worth?", "assetsLabel": "What you own", "assetsDesc": "Cash, savings, investments, things of value", "liabilitiesLabel": "What you owe", "liabilitiesDesc": "Loans, credit cards, anything you owe", "liabilitiesNone": "Nothing owed. You're debt-free.", "debtFreeBadge": "Debt-free", "netLabel": "Net Worth", "netDescLeveraged": "{{percent}} of everything you own is truly yours. The rest is owed away.", "netDescDebtFree": "You owe nothing, so every euro you own is yours. Your net worth is everything you own.", "underwaterNote": "Right now you owe more than you own, so your net worth is below zero. Paying down debt or growing what you own lifts it back up.", "caption": "Add up what you own, subtract what you owe, and what's left is your net worth: the single number that shows which way your finances are heading.", "captionDebtFree": "With nothing owed, your net worth is simply everything you own. Grow what you own to push it higher.", "emptyNote": "Once you add what you own and what you owe, your net worth shows up here." }, "savingsRate": { "title": "Savings rate", "subtitle": "The share of your income you keep", "incomeLabel": "Monthly income", "spentLabel": "Spent", "savedLabel": "Saved", "rateLabel": "Savings rate", "formula": "(income − spending) ÷ income", "caption": "Of everything you earn, how much stays with you. A higher rate means faster-growing savings, many people aim for 20% or more." }, "interest": { "title": "Savings interest", "subtitle": "Why the interest you receive is the amount it is", "example": "{{amount}} at {{rate}} a year", "exampleOwn": "Your {{amount}} at {{rate}} a year", "perYear": "A year", "perDay": "A day", "perMonth": "A month", "lands": "What lands after {{rate}} tax", "baseTitle": "Base interest", "baseLine": "Counted every day on what's in the account, from the day money arrives to the day it leaves. Paid once a year, on 1 January.", "premiumTitle": "Fidelity premium", "premiumLine": "Each euro earns it once per 12 months it stays, paid on the 1st of the next quarter.", "caption": "A rate is always per year. You earn a little every day on what's in the account, the bank pays it out in pieces, and tax may be kept first — so one payment is far smaller than the rate suggests.", "captionRegulated": "A Belgian regulated account pays in two parts. Base interest: every day's balance × the rate ÷ the days in the year, paid on 1 January; taking money out never loses it. Fidelity premium: each deposit gets its own 12-month clock and earns the premium once per 12 months it stays, paid on the 1st of the next quarter. Premiums landing in several quarters just means your deposits reach 12 months at different times. Take money out and the newest money goes first; its premium is lost, older money keeps its own." }, "runway": { "title": "Spending runway", "subtitle": "How many months you're covered before money gets tight", "openLabel": "What is spending runway?", "incomeLabel": "Income lined up", "incomeDesc": "Months your plan is already paid for by income you've set aside, split by how sure it is: already in the bank, confirmed, or still expected.", "incomeMeter": "≈ 4 months funded", "cashLabel": "Cash set aside", "cashDesc": "Your safety net: if income stopped today, how long your cash alone would cover your spending.", "cashMeter": "≈ 6 months of cash", "caption": "Two ways to read your runway: how far your income carries your plan, and how far your cash carries you if income stops. Together they show how long you could keep going." }, "receivableCertainty": { "title": "Confirmed vs planned income", "subtitle": "Which part of the money you'll receive counts toward your net worth", "openLabel": "What's the difference?", "confirmedLabel": "Confirmed income", "confirmedDesc": "Income you've already earned. It's for this month or an earlier one, the payment just hasn't landed yet. This part counts toward your net worth.", "plannedLabel": "Planned income", "plannedDesc": "Income you expect in a future month. It's not earned yet, so it sits in your forecast, not your net worth.", "caption": "Only confirmed income counts toward your net worth right now. Planned income is still ahead, so it lives in your forecast." }, "payableCertainty": { "title": "Confirmed vs planned payments", "subtitle": "Which part of what you'll pay counts toward your net worth", "openLabel": "What's the difference?", "confirmedLabel": "Confirmed payments", "confirmedDesc": "Money you already owe. It started this month or earlier and the payment hasn't gone out yet, so you owe the whole amount even when the cost is spread over months still ahead. This part counts against your net worth.", "plannedLabel": "Planned payments", "plannedDesc": "A payment that hasn't started yet. Nothing is owed until its first month arrives, so it sits in your forecast, not your net worth.", "caption": "Only confirmed payments count against your net worth right now. Planned ones are still ahead, so they live in your forecast." }, "debt": { "title": "Who owes whom?", "subtitle": "Lending, borrowing, and paying it back", "theyOweYou": "When a friend owes you", "youOweThem": "When you owe a friend", "lend": "You lend it", "reimbursed": "They pay you back", "borrow": "You borrow it", "payback": "You pay it back", "footer": "Lending or borrowing isn't income or spending, the money comes back. We keep it as a debt until it's paid back, so it never throws off your real income and expenses." }, "transfer": { "title": "Transfers", "subtitle": "Moving money between accounts is neither income nor an expense", "fromAccount": "Checking", "toAccount": "Savings", "netLabel": "Nets to {{amount}}", "netDesc": "Nothing was earned or spent, the same money just moved, so the two sides cancel out.", "crossOwner": "Money you move to the shared space or to your partner is a transfer between owners. Whether anyone owes anything depends on what it was: given (it's theirs now), lent (it has to come back) or paid back." }, "reviewed": { "title": "Reviewed", "subtitle": "Confirm a line is right, and it leaves the to-review queue", "queue": "To review", "toReview": "{{count}} left", "rows": { "groceries": "Groceries", "salary": "Salary", "coffee": "Coffee" }, "footer": "Imported transactions arrive auto-sorted but unconfirmed. Reviewing one means you've checked its type, category and owner are right, then it drops out of the queue behind the nav." }, "labels": { "title": "Labels", "subtitle": "Free tags that group across categories", "rows": { "flight": { "name": "Flight to Lisbon", "category": "Transport" }, "dinner": { "name": "Dinner out", "category": "Eating out" }, "hotel": { "name": "Hotel, 3 nights", "category": "Housing" } }, "labelName": "Holiday 2026", "footer": "A category answers “what kind of spending is this?”. A label cuts across categories so you can pull together things that don't share one, every euro of a trip, a project, or anything tax-deductible." }, "bond": { "title": "What a bond actually is", "subtitle": "The safe half of your plan, in three plain steps.", "lendLabel": "You lend the money", "lendPlain": "usually to a government", "lendDesc": "A bond is a loan you make, not a share you buy. You hand over an amount for an agreed length of time. Nothing about it goes up or down with the stock market, which is the whole reason your safe money sits here.", "earnLabel": "You get paid to wait", "earnPlain": "a fixed rate, agreed up front", "earnDesc": "The rate is set the day you buy, so you know the interest before you commit. That is why the safe part of your plan still earns something instead of sitting still in a current account.", "ladderLabel": "You pick the end date", "ladderPlain": "and stacking dates makes a ladder", "ladderDesc": "You choose when you get the money back. Buy one every few months and you end up with a row of them finishing one after another, so something is always about to free up. That row is what everyone calls a ladder.", "caption": "Locked means you agreed to wait. Cashing out early is usually possible, but you give up part of the interest." } }, "contact": { "stillNeedHelp": "Still need help?", "contactSupport": "Contact support" } }, "guides": { "sectionTitle": "Step-by-step guides", "comingSoon": "Coming soon", "backToHelp": "Back to Help Center", "gettingStarted": { "title": "Getting Started", "description": "Set up your account, connect your bank, and start tracking", "sections": { "welcome": { "title": "What is {{appName}}?", "content": "{{appName}} helps you understand where your money goes. Connect your bank accounts, and your transactions are automatically imported and categorized. You can plan expenses, track spending trends, and if you share finances with a partner, manage everything together." }, "addAccount": { "title": "Add your first account", "content": "{{appName}} works with your bank accounts. You can connect automatically via your bank, or add accounts manually for cash or unsupported banks.", "tip": "Automatic accounts sync transactions up to 2 times per day. You don't need to do anything after connecting." }, "dashboard": { "title": "Your dashboard", "content": "Once you have an account, your dashboard shows a snapshot of your finances: account balances, recent transactions, and how your spending compares to your plan. This is your home base, check it regularly to stay on top of things." }, "reviewTransactions": { "title": "Review your transactions", "content": "{{appName}} uses AI and your own rules to categorize transactions automatically. But some need your input, especially at first. Reviewing transactions helps the system learn your preferences.", "tip": "The more transactions you review, the smarter the automatic categorization becomes. Set up mapping rules for recurring merchants to save time.", "steps": { "0": { "title": "Go to Transactions", "description": "Open the Transactions page. Unreviewed transactions are highlighted for your attention." }, "1": { "title": "Check the category", "description": "Each transaction has a suggested category. Confirm it or pick a more specific one (e.g. Food → Groceries)." }, "2": { "title": "Mark as reviewed", "description": "Once you're happy with the category, mark the transaction as reviewed. It won't ask for your attention again." } } }, "nextSteps": { "title": "What's next?", "content": "You're all set with the basics! From here you can set up an expense plan to track your limits, explore your spending trends in the Reports section, or set up mapping rules in Settings to automate categorization for your regular merchants." } } }, "categorizingTransactions": { "title": "Categorizing Transactions", "description": "Understand how AI, rules, and manual classification work together" }, "settingUpBudget": { "title": "Setting Up Your Expense Plan", "description": "Create spending limits and track your progress each month" }, "couplesFinances": { "title": "Managing Finances Together", "description": "Share accounts and expenses with your partner" }, "trackingInvestments": { "title": "Tracking Investments", "description": "Monitor your portfolio, dividends, and capital gains" } }, "liza": { "name": "Liza", "tagline": "Your guide", "openAssistant": "Ask Liza", "placeholder": "Ask me anything...", "send": "Send", "takeMeThere": "Take me there", "more": { "see": "Want to see more?", "ready": "Ready when you are.", "jump": "Jump to" }, "expand": "Full screen", "canvas": { "openPage": "Open page", "empty": "Tap a figure in an answer to see it here, the way the app draws it.", "emptyAccounts": "Accounts with no balance ({{count}})", "classReturn": "{{class}} return", "planOf": "of {{planned}} planned", "noPlan": "No plan this month" }, "stage": { "prompt": "What would you like to know about your money?" }, "stillLoading": "Your figures are still loading. You'll find it under {{place}}.", "failed": "Something went wrong on my side while I was looking that up. Ask me again in a moment.", "limitReached": "I'm new here and still being tested, so there's a daily number of questions I can answer, and that was today's. Ask me again tomorrow.", "history": { "open": "Past conversations", "back": "Back to the chat", "new": "New conversation", "title": "Your conversations", "failed": "Your conversations couldn't be loaded. Try again in a moment.", "emptyTitle": "No conversations yet", "empty": "Your conversations with Liza show up here, so you can pick one up again.", "untitled": "Conversation", "kept": "Conversations are kept for 90 days.", "delete": "Delete all", "deleteTitle": "Delete all conversations?", "deleteMessage": "This removes every conversation with Liza, for good.", "groups": { "today": "Today", "yesterday": "Yesterday", "week": "This week", "earlier": "Earlier" } }, "status": { "thinking": "Thinking…", "recalculating": "Recalculating for {{owner}}…", "recalculatingEveryone": "Recalculating for everyone…", "spending": "Looking at your spending in {{months}}…", "income": "Looking at your income in {{months}}…", "concept": "Checking how that's counted…", "categories": "Looking at how you sort your money…", "owed": "Looking at who owes whom…", "transactions": "Looking through your transactions…", "upcoming": "Checking what's coming up…", "investments": "Looking at what your investments did…", "page": "Finding the right page…", "reading": "Reading your {{page}} page…", "comparing": "Comparing the periods…", "checking": "Checking the figures…" }, "followUps": { "plan": "How am I doing against my plan?", "savingsRate": "What's my savings rate?", "netWorthSplit": "What do I own and what do I owe?", "investingReturn": "What have my investments earned?", "lenses": "How do my expenses compare with Money In & Out?", "netWorthChange": "How did my net worth change this month?", "accounts": "How much is in my accounts?", "cash": "How much cash do I have?", "investments": "What are my investments worth?", "holdings": "What are all my holdings worth?", "topSpending": "What did I spend most on this month?", "spentLastMonth": "How much did I spend last month?", "savedLastMonth": "How much did I save last month?", "income": "What was my income this month?" }, "suggestions": { "s1": "How much is on my savings accounts?", "s2": "What's my net worth?", "s3": "How do I connect a bank?" }, "answers": { "owe": "You're owed {{owed}}, and you owe {{owe}}.", "savingsRateNow": "So far {{period}} you've saved {{rate}} of your income.", "savingsRateIn": "In {{period}} you saved {{rate}} of your income.", "netWorthSplit": "You own {{assets}} and owe {{liabilities}}, so your net worth is {{netWorth}}.", "lensesNow": "So far {{period}}, {{savingsView}} shows {{earned}} earned and {{spent}} spent. {{cashView}} shows {{in}} in and {{out}} out.", "lensesIn": "In {{period}}, {{savingsView}} shows {{earned}} earned and {{spent}} spent. {{cashView}} shows {{in}} in and {{out}} out.", "planIntroNow": "So far {{period}}, against your plan:", "planIntroIn": "In {{period}}, against your plan:", "planLine": "{{owner}}: {{spent}} spent of {{planned}} planned.", "planLineOver": "{{owner}}: {{spent}} spent of {{planned}} planned, {{over}} overspent.", "planLineNone": "{{owner}}: {{spent}} spent, no plan set." }, "places": { "future": "Future", "addAccount": "Add an account", "connectBank": "Connect a bank", "addAsset": "Add a holding", "addValuable": "Add a valuable", "transactions": "Transactions", "profile": "Profile", "relationship": "Sharing", "notifications": "Notifications", "subscription": "Subscription" }, "recent": { "title": "Recent", "all": "See all" }, "language": { "lead": "You wrote in English.", "switch": "Switch Briliza to English" }, "chart": { "runningTotal": "running total", "change": "change" }, "slow": "This one takes a few steps: I check every figure before I answer.", "answered": "Answered", "refresh": "Refresh", "scope": { "label": "Figures for" } }, "periods": { "pickStartMonth": "Pick a start month", "pickEndMonth": "Now pick the end month", "thisMonth": "This Month", "lastMonth": "Last Month", "nextMonth": "Next Month", "last3Months": "Last 3 Months", "last6Months": "Last 6 Months", "last12Months": "Last 12 Months", "yearToDate": "Year to Date", "thisYear": "This Year", "lastYear": "Last Year", "nextYear": "Next Year", "thisQuarter": "This Quarter", "lastQuarter": "Last Quarter", "nextQuarter": "Next Quarter", "noEarlierData": "No earlier data available", "noLaterData": "No later data available", "previousPeriodAria": "Previous period", "nextPeriodAria": "Next period", "selectRangeAria": "Select date range", "selectMonthAria": "Select month", "previousYearAria": "Previous year", "nextYearAria": "Next year" }, "ownerValidation": { "selectOwner": "Pick a person", "selectOwnerDesc": "This view shows one person at a time. Choose whose numbers to see.", "tooManyOwners": "Pick one person", "overviewTitle": "See everyone together", "overviewDesc": "This is a whole-picture view. Add everyone to see the combined numbers.", "viewEveryone": "View everyone" }, "expenseTracker": { "editPlan": "Edit plan", "leftToSpend": { "title": "Left to spend" }, "hero": { "cushionSub": "{{planned}} planned · {{spent}} spent", "ringCaption": "of plan used", "cta": "Adjust your plan", "flipAria": "Flip to see how much of plan you've used over time", "flipHint": "Flip", "historyCta": "See history" }, "standing": { "ofPlanned": "of {{planned}} planned", "ring": { "caption": "of plan used", "inviteCaption": "set a plan" }, "figure": { "currentMonth": "Spent this month", "currentQuarter": "Spent this quarter", "currentYear": "Spent this year", "past": "Spent in {{month}}", "future": "Planned for {{month}}" } }, "nextMonths": { "concept": "Everything you don't spend is saved, so you can spend it in the coming months.", "builtPast": "You've built {{total}}, {{delta}} of it in {{month}}.", "builtPastFirst": "You built {{total}} in {{month}}.", "drewPast": "You dipped in during {{month}}, leaving {{total}}.", "savedThisMonth": "You saved {{added}} this month, ready for the coming months.", "drewThisMonth": "This month you took {{drawn}} from next months.", "liveSentence": "That's {{planLeft}} left across this month's plans, plus {{saved}} you've saved up.", "liveSentenceNoSave": "It's all from this month's plans, with nothing saved up yet.", "liveLabel": "Still to spend, now or later", "deficitLabel": "Nothing left to spend this month", "liveCaption": "That's {{planLeft}} left in this month's plan, plus {{saved}} you've saved up.", "liveCaptionNoSave": "It's all from this month's plan, with nothing saved from before yet.", "liveCaptionOver": "You overspent this month by {{over}}, but you've got {{saved}} saved up.", "futureSaved": "You've saved {{carried}} so far, ready for what comes next.", "futureStart": "Nothing set aside for next months yet.", "savedShort": "Even with {{carried}} saved, you're {{short}} over. Spend that much less than planned later to make up for it.", "clearedHave": "You've covered the {{carried}} you were behind. That leaves {{total}} to spend this month.", "short": "Spend {{short}} less than planned in the coming months to make up for it.", "pastShort": "You spent {{short}} too much. Spend that much less than planned later to make up for it.", "pastCleared": "You cleared {{cleared}} of past overspending, ending {{total}} ahead.", "steady": "Steady at {{total}} for next months." }, "planNudge": { "title": "No plan for {{month}} yet", "description": "Give each category a target and every month keeps itself on track.", "earnedLastMonth": "You earned {{income}} in {{lastMonth}}. Want to decide what {{month}} may cost?", "cta": "Plan {{month}}" }, "uncategorizedNudge": { "title": "{{amount}} isn't categorized", "message": "Link it to your planned expenses so your numbers stay accurate. Right now it counts toward no plan.", "cta": "Categorize {{amount}}" }, "cushionHeadline": { "label": "Saved for next months", "labelBehind": "Taken from next months", "valueLabel": "set aside" }, "pot": { "perMonth": "{{amount}} a month", "usually": "usually {{months}}", "last": "last: {{month}}, {{amount}}" }, "planSuggestion": { "title": "{{category}}: planned {{planned}}, you spend about {{spends}}", "message": "Lower it to {{suggested}}? That's {{yearly}} a year more to keep.", "cta": "Lower to {{suggested}}" }, "cushionSummary": { "savedUp": "saved up", "leftThisMonth": "left this month" }, "cushionPage": { "empty": { "title": "Nothing set aside yet", "description": "Come in under plan in a category and the leftover rolls forward here for next months." } }, "valueLabels": { "left": "left", "noPlan": "no plan set", "savedToBuffer": "saved", "willBeSavedToBuffer": "to save", "coveredByBuffer": "from next months", "overspent": "overspent", "spent": "spent", "leftToSpend": "of plan left", "spentAsPlanned": "as planned", "over": "over" }, "views": { "month": "Plan", "buffer": "For next months", "trends": "History" }, "lifecycleExplainer": { "title": "Planned, funded & spent", "subtitle": "Three words for one category, what you intend, what's covered, and what's gone.", "category": "Groceries", "plannedLabel": "Planned", "plannedDesc": "What you intend to spend", "fundedLabel": "Funded", "fundedDesc": "Income set aside to cover it", "fundedTag": "optional", "spentLabel": "Spent", "spentDesc": "What's actually gone so far", "caption": "Plan a category, then watch what you spend against it. Funding, setting income aside to cover the plan, only comes in if you turn on Income Protection. Otherwise it's simply planned vs spent." }, "viewsExplainer": { "openLabel": "What do these views mean?", "title": "Three ways to track", "subtitle": "Same expenses, three questions, switch between them as you go.", "monthDesc": "This month at a glance: what you've spent in each category next to what you planned. Under plan stays calm green, getting close turns amber, and going over turns rose, so you always know where to ease off.", "bufferDesc": "Spend less than you planned and the leftover rolls forward for next months. This view shows the slack each category has set aside from earlier months, money you can use before a busy month tips you into overspending.", "trendsDesc": "Step back and watch the trend: which categories are creeping up, which you've reined in, and where your spending is heading month after month.", "cushionCaption": "Set aside from months you came in under plan.", "historyLabel": "Eating out · last 6 months", "historyCaption": "Crept up, then reined back in.", "gotIt": "Got it", "rows": { "groceries": "Groceries", "eatingOut": "Eating out", "transport": "Transport" } }, "trends": { "totalSpending": "Total Spending", "avgPerMonth": "avg/mo", "plan": "plan", "mo": "mo", "byCategory": "By Category", "vsMonth": "vs {{month}}", "inMonth": "in {{month}}" }, "sections": { "categories": "Categories", "spendingBreakdown": "Where it's going" }, "insights": { "noBudget": "No plan set", "noActivity": "No activity" }, "bufferInsights": { "added": "{{amount}} set aside this month", "drawn": "{{amount}} spent from it this month", "untouched": "Untouched this month" }, "empty": { "title": "No data yet", "description": "Start tracking your expenses to see trends here." }, "breakdown": { "allocated": "Planned", "spent": "Spent so far", "remaining": "Remaining", "overBy": "Over by", "spending": "Spending", "totalPosition": "Available now", "totalPositionPast": "Was available", "totalPositionFuture": "Projected available", "transactionsCount": "{{count}} transactions", "viewHistory": "View history & transactions", "otherSubcategory": "Other", "patterns": "Patterns", "vsThreeMoAvg": "vs 3-month average", "biggest": "Biggest", "volume": "Activity", "merchantsCount_one": "{{count}} merchant", "merchantsCount_other": "{{count}} merchants", "transactionsCount_one": "{{count}} transaction", "transactionsCount_other": "{{count}} transactions", "spentWhere": "What did you spend?", "cushionSource": "Where does this come from?", "cushionOlderMonths": "Older months", "chapterStart": "Saved from past months", "chapterStartBehind": "From past overspending", "chapterStartEmpty": "Nothing saved yet", "chapterPlan": "Your plan", "noPlanNote": "No plan set for this category.", "chapterSpent": "Spent this month", "legend": { "fromPastMonths": "from past months", "setAside": "set aside this month" } }, "bufferValueLabels": { "remaining": "left for next months", "fullyUsed": "nothing left", "safetyNet": "for next months", "deficit": "taken", "recovered": "caught up" }, "legacyLink": { "label": "Also available" } }, "budgetTrack": { "futureCoverage": { "filterAll": "All income", "filterConfirmed": "Confirmed", "filterReceived": "Received", "filterAllDescription": "All planned income including future expectations", "filterConfirmedDescription": "Money received or confirmed (e.g. declared dividends)", "filterReceivedDescription": "Only money already in your accounts", "received": "Received", "confirmed": "Confirmed", "expected": "Expected", "title": "Future Coverage" }, "coverageStatus": { "full": "Full Coverage", "partial": "Partial Coverage", "none": "No Coverage", "noneShort": "None" }, "allocationLabels": { "budget": "Planned", "gap": "Gap" }, "breakdown": { "endOfMonth": "End of {{month}}", "startOfMonth": "Start of {{month}}" }, "title": "Spending Summary" }, "planningFuture": { "cashHorizon": { "projectedCashLabel": "Projected cash" }, "estimatedExpenses": "Estimated expenses", "unlockCards": { "spendingRunway": { "title": "Spending runway", "subtitle": "See how many months ahead your expenses are funded", "cta": "Enable Income Protection" }, "forecasts": { "title": "Scheduled transactions", "subtitle": "Add expected future payments to sharpen your projection" } }, "addForecastAccount": "Add forecast account", "spendingRunway": { "safeThrough": "Covered through {{month}}", "noRunway": "No spending covered yet", "monthsCount": "{{count}} months", "drawerSubtitle": "Spendable income vs planned expenses", "filterAll": "All income", "filterAllHint": "including expected", "filterConfirmed": "Earned income", "filterConfirmedHint": "earned, not yet received", "filterReceived": "Received income", "filterReceivedHint": "already in your accounts", "fullyCovered": "fully covered", "notYetFunded": "not yet funded", "stillNeeded": "{{amount}} still needed" }, "coverageDrawer": { "noBudget": "No spending plan set for this month", "budgetTarget": "Planned expenses", "allocated": "Income allocated", "received": "Received", "confirmed": "Confirmed", "expected": "Expected", "notYetFunded": "Not yet funded", "noIncomeSources": "No income allocated to this month yet", "shortfallBanner": "{{amount}} still needed to fully cover this month", "fullyCovered": "This month is fully covered", "categoriesCovered": "{{covered}} of {{total}} categories covered", "periodLabel": "Period", "paidLabel": "Received", "expectedLabel": "Expected", "sourcesExplainer": "Amounts show the spendable portion allocated to this month, not the full income.", "spendableOf": "{{spendable}} of {{total}} for expenses" }, "projectionDrawer": { "subtitle": "Expected cash flows", "noItems": "No items for this period", "estimate": "Estimate", "budgetSubtitlePlanned": "{{amount}} planned", "budgetSubtitleSpent": "{{amount}} spent", "budgetSubtitleScheduled": "{{amount}} scheduled", "scheduled": "scheduled", "remaining": "remaining", "spendingReduction": "spending reduction", "trimmable": "you could trim", "oneOffTag": "one-off", "potCash": "Your cash", "cashIn": "{{amount}} in", "cashOut": "{{amount}} out", "cashTargets": "{{amount}} on targets", "cashIntoInvestments": "{{amount}} into investments", "cashFromInvestments": "{{amount}} from investments", "cashSetAside": "{{amount}} of it saved for next months, yours to spend whenever: never invested", "investmentsPutIn": "put in from your cash", "investmentsTakenOut": "taken out into your cash", "sectionIncome": "Money In", "sectionSpending": "Money Out", "sectionIntoInvestments": "Into your investments", "sectionFromInvestments": "Out of your investments", "sectionTargets": "Targets", "potInvestments": "Your investments", "potSpare": "Spare cash", "bucket": { "monthCount": "{{count}} months", "prevLowLabel": "{{anchor}} balance still available", "newLowLabel": "After this window", "consumedLabel": "Consumed from {{anchor}} balance", "dipsIntoCushionLabel": "Dips into your {{anchor}} cushion", "startBalance": "Cash at start of window", "endBalance": "Cash at end of window", "totalIn": "Money in this window", "totalOut": "Money out this window", "monthCount_one": "{{count}} month", "monthCount_other": "{{count}} months", "grossHeader": "All expenses", "trimmedHeader": "Essentials only", "showMath": "Show the math", "hideMath": "Hide the math", "explanationConsumed": "Your projected balance hits a new low in this window. The drop attributes euros from your {{anchor}} balance to this bucket, it's exactly the gap between the previous low and the new low.", "explanationCovered": "Money in covers money out across this window, so your {{anchor}} balance isn't touched here. The items below are everything that flows through, but the balance never dips below its previous low.", "explanationTrimSaves": "Trimming flex spending keeps your {{anchor}} balance untouched in this window, the all-expenses view dips below its previous low, the essentials-only view doesn't. That's where the essentials-only plan saves cash compared with covering everything.", "watermarkNote": "We count how far your balance fell below its previous low, not this window's net flow. Previous low {{prev}}, new low {{newLow}}, and the difference is what's booked here.", "essentialShort": "essential" } }, "typeLabels": { "expectedIncome": "Expected income", "confirmedIncome": "Confirmed income", "scheduledPayment": "Scheduled payment", "plannedExpenses": "Planned expenses", "planned": "Planned", "expectedRepayment": "Expected repayment", "repaymentDue": "Repayment due", "ownerDebtOwed": "Owed to you", "ownerDebtDue": "You owe", "carriedBudget": "Saved from past months", "discretionaryCut": "Spending cutback", "estimatedPlanned": "Estimated planned expenses" }, "drawer": { "goalTypeLabel": "Life goal", "adjustmentIncomeLabel": "Extra income", "insteadOfSalary": "Instead of your salary", "adjustmentExpenseLabel": "Extra expense" }, "plan": { "addCta": "Add another", "pausedBadge": "Left out", "toggleAria": "Leave {{name}} out", "removeTitle": "Remove this?", "removeMessage": "{{name}} disappears from what's ahead.", "restoreAria": "Put {{name}} back in" }, "sheet": { "namedTitle": "What do you want to buy?", "payTitle": "How will you pay?", "payLoan": "With a loan", "payCash": "All in cash", "payLoanValue": "{{pct}}% down · {{years}} years at {{rate}}%", "depositTitle": "How much do you put down?", "priceTitle": "What's the price?", "costsTitle": "Tax and notary on top?", "lengthTitle": "For how long?", "answerLead": "You could buy a home up to", "answerSub": "in {{year}}", "answerSubLoan": "in {{year}} · {{amount}} a month for {{count}} years", "pickPrice": "Pick a price", "costsLeftOut": "Tax and notary not included · Add", "costsNone": "Not included", "homeFits": "A {{price}} home in {{year}} fits your plan.", "rail": { "overview": "Overview", "when": "When", "amount": "How much", "named": "What", "pay": "How you pay", "deposit": "Down payment", "loanYears": "Loan", "loanRate": "Rate", "rent": "Rent", "answer": "Price", "price": "Price", "costs": "Tax and notary", "change": "Amount", "length": "How long" }, "row": { "when": "When", "amount": "How much", "named": "What", "pay": "How you pay", "rent": "Your rent", "price": "Price", "costs": "Tax and notary", "change": "Amount", "length": "How long" } }, "home": { "upToNone": "Your plan has no room for a home in {{year}} yet", "costsLeftOut": "Not counting registration tax and notary", "costsCounted": "Registration tax and notary on top" }, "answer": { "upTo": "Up to {{amount}} fits in {{year}}", "upToNone": "Your plan has no room for this in {{year}} yet", "lands": "Your plan gets you there in {{year}}." }, "checkIn": { "title": "Your money this month", "toLook_one": "{{count}} thing to look at", "toLook_other": "{{count}} things to look at", "allGood": "All on track", "staleTitle_one": "{{count}} balance is out of date", "staleTitle_other": "{{count}} balances are out of date", "staleHint": "Update first, so the lines below are right", "giveJob": "Give {{amount}} a job", "data": { "question": "Is your data up to date?" }, "money": { "caption": "Cash on your accounts", "income": "{{amount}} income this month.", "split": "{{spoken}} has a job · {{free}} free" }, "sections": { "spending": "Spending", "safety": "Safety", "goals": "Goals", "investing": "Investing" }, "lines": { "notPlanned": "Not planned yet", "month": "{{spent}} spent · {{left}} to go", "monthShort": "{{amount}} short today", "setAside": "Saved for next months", "buffer": "Buffer", "ofNeed": "{{have}} of {{need}} · {{size}}", "goalHeld": "{{amount}} set aside", "by": "by {{date}}", "goalOnTrack": "on track", "goalSave": "{{amount}} a month short", "goalShort": "won't land as it stands", "addGoal": "Something to save for?", "addGoalHint": "A trip, a car, a home", "investDone": "Bought this month", "investDue": "To buy this month", "investOwed": "{{amount}} still to buy from earlier months", "investNone": "Nothing to buy this month" }, "stale": { "connection": "Renew the bank connection", "sync": "The bank hasn't sent anything new", "syncSince": "Last from the bank on {{date}}", "manual": "Update the balance", "manualSince": "Balance last updated on {{date}}", "paper": "Send this year's statement" }, "spare": { "question": "What should your free {{amount}} do?", "invest": "Invest it", "forward": "Bring {{name}} forward", "buffer": "Top up your buffer", "newGoal": "A new goal" } }, "buys": { "title": "Still to buy in {{month}}", "plans_one": "{{count}} buying plan", "plans_other": "{{count}} buying plans", "movesOn": "The other {{amount}} moves to your next buy.", "plansTitle": "Buying plans", "planTitle": "Buying plan", "noPlan": "No buying plan yet", "setUp": "Set one up", "mix": { "title": "The mix", "now": "now {{pct}}" }, "board": { "notSet": "Not set yet", "own": { "label": "What you want to own" }, "buy": { "question": "How do you buy each month?", "behindTitle": "Buy what's behind", "behindBody": "Each month's money goes first to what is furthest from the mix.", "fixedTitle": "Same split every month", "fixedBody": "Every buy follows the mix, whatever the market did.", "label": "Buy", "noPlan": "No buying plan running" }, "rebalance": { "label": "Hold", "within": "Acts when a holding is {{pct}}% off its target", "never": "Never rebalances", "question": "Rebalance what you hold?", "yesTitle": "Yes, keep it on the mix", "yesBody": "When a holding drifts too far from its share, the plan says what to move.", "noTitle": "No, let it drift", "noBody": "What you hold grows as it grows. Only new money follows the mix." }, "afterMix": "After the mix", "sell": { "label": "Sell", "rule": "Trailing stop: arms at +{{trigger}}%, trails {{trail}}%", "noRule": "No exit rule yet", "toSell_one": "Sell {{count}} holding now", "toSell_other": "Sell {{count}} holdings now", "toPlace_one": "{{count}} stop to place", "toPlace_other": "{{count}} stops to place" } }, "includeBehind": "Add the {{amount}} from months behind you", "card": { "bought": "Bought", "dueByNow": "Due by now", "wholePlan": "Whole plan", "worthOnceBought": "Worth once all is bought, prices unchanged" }, "months": { "bought": "You bought {{bought}}", "boughtMore": "You bought {{bought}}, {{more}} more than planned", "caughtUp": "You bought {{bought}} and made up the rest later", "missed": "You bought {{bought}}. {{left}} is still to buy", "now": "Buy {{amount}} this month", "nowSoFar": "You bought {{bought}} so far. {{amount}} to go", "nowDone": "All bought for this month", "later": "{{amount}} to buy", "laterAhead": "Already bought ahead", "laterEstimate": "Worked out from what you hold, at today's prices. It will change by {{month}}.", "tipBought": "{{bought}} bought of {{planned}} planned", "tipPlanned": "{{planned}} planned", "planLine": "Planned: {{planned}}", "fromReserve": "{{amount}} of it from your dip money" }, "plan": { "listTitle": "Buying plans", "new": "New buying plan", "renew": "Start next year’s plan", "caption": "Buying plan · {{name}}", "monthOf": "Month {{month}} of {{months}}", "notFound": "This buying plan was not found", "closedTitle": "{{total}} · {{span}}", "finished": "Done · {{placed}} bought", "stopped": "Stopped · {{placed}} bought", "shape_one": "{{total}} over {{count}} month", "shape_other": "{{total}} over {{count}} months", "monthsLabel": "How much, and when", "howLabel": "How you buy" }, "status": { "onPlan": "You’re right on plan.", "ahead": "You’re {{amount}} ahead of the plan.", "behind": "You’re {{amount}} behind. This month’s buy catches it up.", "notStarted": "Your first buy is in {{month}}.", "finished": "All {{total}} bought. This plan is done.", "stopped": "You stopped this plan on {{date}}, with {{bought}} bought." }, "reserve": { "label": "Kept for dips", "short": "Dips", "used": "{{used}} of {{total}} used for dips", "unused": "{{total}} kept for dips, not used yet", "left": "{{left}} left to use", "useNow": "Use it now", "useHeading": "How much do you use now?", "unusedAtEnd": "Your months are done, and {{left}} of your dip money is unused.", "addToLastBuy": "Add it to a last buy", "keepAsCash": "Keep it as cash" } }, "timeline": { "now": "Now", "later": "Later", "stop": "You stop working", "stopped": "You stopped working", "stopIdea": "When do you stop working?", "stopIdeaHint": "Not in your plan yet", "salaryEnds": "your salary stops", "pension": "{{name}} {{amount}}", "moneyPays": "your money pays {{amount}} a month", "have": "What you'll have", "needs": "What it needs", "change": "Change", "waysOut": "Ways to make it", "leaveOut": "Leave out", "putBack": "Put back", "add": "Add a moment", "addHeading": "What's coming?", "groups": { "out": "Money out", "change": "What you earn changes", "in": "Money in" }, "plan": { "title": "Into {{name}}", "line": "{{placed}} of {{total}} in · until {{until}}" }, "retire": { "canStop": "You can stop in {{year}}", "couldStop": "You could stop in {{year}}", "onTime": "right when you wish", "late": "{{length}} after your wish", "early": "{{length}} before your wish", "unreachable": "Not within reach on today's plan", "range": "{{soon}}–{{late}}, depending on markets", "rangeUnsure": "Markets could move this by years", "aside": "Put {{amount}} more aside a month", "spendLess": "Live on {{pct}}% less once you stop", "workLess": "Work less, not zero", "workLessHint": "Add a part-time job", "changeYear": "Change when you stop", "leverYear": "you could stop in {{year}}", "leverNever": "still out of reach" }, "moneyNow": { "title": "Where your money is", "planLink": "Your plan", "part": "{{amount}} {{name}}", "month": "this month", "setAside": "saved for next months", "buffer": "buffer", "free": "free", "plan": "for {{name}}" } }, "board": { "when": "When", "earnInstead": "What will you earn a month?", "earnInsteadHint": "Instead of the {{amount}} you earn today.", "price": "Price", "otherAmount": "Other amount", "now": "Now", "howLong": "For how long", "ongoing": "Ongoing", "timeOffIncome": "That is {{amount}} a month you won't earn.", "moreDetails": "More details", "remove": "Remove", "lasts": { "title": "How long should your money last?", "life": "Use it up by {{age}}", "forever": "Keep it the same size", "lifeShort": "for life", "foreverShort": "forever", "lifeHint": "Spent down by {{year}}, the year you turn {{age}}.", "lifeHintCouple": "Spent down by {{year}}, the year the youngest of you turns {{age}}.", "lifeHintNoYear": "Spent down by the year you turn {{age}}.", "lifeHintNoYearCouple": "Spent down by the year the youngest of you turns {{age}}.", "foreverHint": "You live off what it earns above inflation. It's all still there at the end.", "birthYear": "What year were you born?", "birthYearOf": "{{name}}'s birth year" }, "freedomPays": "{{amount}} a month, {{lasts}}", "addToPlan": "Add to plan", "whatIsIt": "What is it?", "loanMissing": "Add the loan's length and rate", "incomeAlreadyIn": "You already get {{amount}}, and it is in your plan. Fill in only what comes on top.", "sits": { "on": "On {{accounts}}", "more": "+{{count}}", "short": "{{amount}} still to put aside", "worth": "worth {{amount}}", "owed": "{{amount}} still to pay off", "bought": "Bought", "paidOf": "{{paid}} paid of {{total}}", "priceSplit": "{{price}} price · {{rest}} costs & renovation" } }, "gap": { "rowShort": "{{amount}} short by {{month}}", "title": "{{name}} falls {{amount}} short by {{month}}", "againstCushion": "Measured against the {{amount}} you keep as a cushion.", "againstZero": "Measured against running out of cash. Set a cushion and we'll measure against that instead.", "waitTitle": "Wait until {{month}}", "waitBody": "Nothing else has to change.", "saveTitle": "Put aside {{amount}} a month", "saveBody_one": "For the next month.", "saveBody_other": "For the next {{count}} months.", "shrinkTitle": "Aim for {{amount}} instead", "shrinkBody": "{{amount}} less than you planned.", "noWayOut": "Nothing in the forecast closes this on its own. Have a look at what else you've planned.", "todaysMoney": "In today's money." }, "ladder": { "cushionWhen": "Kept aside all the time", "freedomName": "Not needing to work", "freedomNameStopped": "Living off your money", "freedomWhen": "From {{year}}", "freedomNow": "Now", "freedomWhenUnknown": "As soon as the plan allows", "moveUpAria": "Move {{name}} up", "moveDownAria": "Move {{name}} down", "rowShortPlain": "{{amount}} short", "onTopOf": "On top of the {{amount}} a month already set aside above this.", "summaryReserve": "To reach all of these, put aside {{amount}} a month.", "summaryStuck": "{{name}} is the first one the plan doesn't reach.", "summaryAllLand": "The plan reaches all of these.", "headlineAll_one": "The plan reaches your wish", "headlineAll_other": "The plan reaches all {{count}} of your wishes", "headlineSome_one": "The plan doesn't reach your wish yet", "headlineSome_other": "The plan reaches {{reached}} of your {{count}} wishes", "headlineReserve_one": "Put aside {{amount}} a month to reach your wish", "headlineReserve_other": "Put aside {{amount}} a month to reach all {{count}} of your wishes", "mark": { "funded": "on track", "needsWork": "needs more", "blocked": "out of reach", "notMeasured": "paid over several years" }, "freedomHolds": "Your investments keep paying for this.", "freedomGrowthUntil": "Their growth pays for this until {{year}}. After that, work has to make up the difference.", "freedomRunsOut": "Your investments run out in {{year}}.", "previewStop": "Back to my plan", "makeItLast": "Make it last", "fixPerMonth": "{{amount}}/mo", "fixYearsWhen": "Earn or save it for {{length}}", "fixForGoodWhen": "Earn or save it for good, from {{year}}", "fixForGoodWhenPrices": "Earn or save it for good from {{year}}, rising with prices", "fixForGoodWhenNow": "Earn or save it for good", "fixForGoodWhenNowPrices": "Earn or save it for good, rising with prices", "fixBlocks_one": "{{count}} month a year", "fixBlocks_other": "{{count}} months a year", "fixBlocksWhen": "Work at {{pay}} a month, every year from {{year}}", "fixBlocksWhenNow": "Work at {{pay}} a month, every year", "fixOnceWhen": "Invest it once, today", "howLong": "How long", "yearsUnit_one": "year", "yearsUnit_other": "years", "shorterAria": "Shorter", "longerAria": "Longer" }, "goalsPage": { "income": { "perMonth": "/mo", "thenYouEarn": "then you earn {{amount}}", "edited": "Edited", "resetToEstimate": "Reset to estimate" }, "advancedTitle": "The fine print", "legacySectionTitle": "Earlier entries", "legacySectionHint": "These were created with a feature that isn't wired into the projection yet (retirement planning is coming). They stay here for reference but don't affect your plan, delete them or keep them around until the feature ships.", "legacyBadge": "Not in projection" }, "detail": { "upcoming": { "pageTitle": "Upcoming transactions", "subtitle": "{{count}} expected in your forecast accounts", "horizon": "{{days}} days", "incoming": "Incoming", "outgoing": "Outgoing", "net": "Net", "fromAccounts": "From these forecast accounts", "emptyHorizon": "Nothing scheduled in the next {{days}} days", "unnamed": "Untitled transaction" }, "runway": { "pageTitle": "Spending runway", "subtitle": "Your cash buffer and how long it lasts", "hero": { "label": "Your spending runway", "covered": "{{months}} months funded", "through": "Confirmed income covers your plan through {{date}}", "throughUnknown": "Confirmed income covers your plan from this point forward", "ringCaption": "of {{count}} months" }, "coverage": { "headline": "How far does income carry you?", "explainer": "Tap a tile to switch certainty, received (already in bank), confirmed (earned but not yet paid), or all (including expected income). The grid shows which months are fully funded." }, "safety": { "headline": "Do you have enough cash set aside?", "explainer": "Your cash buffer for surprises, independent of income: the safety cash your plan keeps, in years of costs. Tap it to change how much." } }, "cashflow": { "slice": { "baselineIncome": "Salary", "recurringIncome": "Recurring income", "oneOffIncome": "One-off money in", "scheduledReceipts": "Scheduled receipts", "plannedSpending": "Planned spending", "scheduledBills": "Scheduled bills", "recurringExpenses": "Recurring expenses", "oneOffExpenses": "One-off expenses", "lifeEventCosts": "Life events & goals", "bufferUsageHint": "Money you planned to spend in past months but didn't, it carries forward as a cushion you can still use. Below, see which categories it built up in; tap one for the split per person.", "cut": "Savings cuts" } }, "cashflowPage": { "pageTitle": "Cash flow", "agg": { "monthly": "M", "quarterly": "Q", "yearly": "Y" }, "cards": { "section": "Summary", "moneyIn": "Money in", "moneyOut": "Money out" }, "hero": { "netFlowCta": "View net flow" }, "source": { "salary": "Salary", "planned": "Planned spending", "estimated": "Estimated spending", "scheduled": "Scheduled (committed)", "debt": "Debt", "lifeEvent": "Life events", "cut": "Savings cuts", "manual": "Other adjustments" } }, "cashBalancePage": { "pageTitle": "Cash at period end", "chartTitle": "Projected balance", "chartTapHint": "Tap any month to see what flows in and out that month.", "empty": "No projection data available.", "survival": { "title": "When will this cash be spent?", "subtitle": "Future income covers spending first, so today's cash is only drawn down when income isn't enough. This shows when each euro of it gets used.", "summary": { "beyondWindow": "{{amount}} isn't needed inside the {{depth}} your safe cash covers, so it's more than your plan asks you to keep back.", "allNeeded": "All of this cash is needed by {{date}}." }, "buckets": { "lt3M": "Spent within 3 months", "m3to6": "Spent in 3-6 months", "m6to12": "Spent in 6-12 months", "y1to3": "Spent in 1-3 years", "y3to5": "Spent in 3-5 years", "y5to10": "Spent in 5-10 years", "residual": "Still there after {{depth}}" }, "residualWindow": "Never touched in the next {{depth}}" }, "bondLadder": { "legend": "Each bond matures just before you'll need the cash, and its coupons help fund later years, so more locks long than the spend timeline above would need.", "liquidLabel": "Kept liquid", "liquidStatus": "Available now", "statusMaturesOn": "Matures {{date}}", "termMonths": "{{count}}-month bond", "termYears": "{{count}}-year bond", "axisLater": "Locked longest", "earnsNothing": "earns nothing", "totalEarned": "Total interest earned", "needVsCouponTitle": "Coupons vs cash needed", "needLabel": "needed", "couponLabel": "coupons", "chartExplainer": "Green is the part of each year's spending actually paid by coupon cash that's arrived; gray is the rest (from maturing bonds & liquid). Year 1 is near zero, the first coupon only lands at month 12.", "couponBoost": "Counting coupons as income locks more cash long, earning {{extra}} more than ignoring them." }, "optimizeCta": { "title": "Earn more on idle cash", "body": "See which cash you can safely lock in short-term bonds, and for how long.", "button": "See your lock plan" } }, "optimize": { "pageTitle": "Optimize cash", "headerLabel": "Optimize cash", "subtitle": "Earn more on the cash you keep out of the market by parking it in short-term bonds.", "flexibility": { "title": "Cash flexibility, what would you keep paying?", "subtitle": "Slide each category. Anything you'd skip if income stopped doesn't need bond coverage, that's what makes the essentials-only plan leaner than covering everything.", "editLink": "Adjust cash flexibility" }, "survival": { "title": "How long does your safe cash last?", "subtitleIncomeStop": "If your income stopped, this is how long the cash you keep out of the market would last. Click any slice to see what's counted for that period.", "subtitleForecast": "If no income arrived beyond the income and one-off events you've already scheduled, this is how long the cash you keep out of the market would last. Click any slice to see what's counted for that period.", "coversFirst": "Your scheduled income and planned one-offs cover spending first. Your safe cash is only touched when they aren't enough, this shows when each euro of it gets used.", "outerLabel": "All expenses", "innerLabel": "Essentials only", "bucketsShort": { "lt3M": "<3 mo", "m3to6": "3-6 mo", "m6to12": "6-12 mo", "y1to3": "1-3 yr", "y3to5": "3-5 yr", "y5to10": "5-10 yr", "residual": "After {{depth}}" } }, "scenarios": { "noData": "No plans yet, add expense plans to see your lock plan." }, "lockPlan": { "title": "Which cash can you lock, and for how long?", "subtitle": "Based on when you'll need each euro, lock what you won't touch into bonds that mature just in time." }, "essentialsCta": { "seeHow": "See how to earn about {{amount}} more in interest" }, "essentialsMode": { "headline": "Essentials-only, your bonds always release enough for what matters, and lock the rest for longer." } }, "cashflowMetric": { "empty": "No data for the selected period.", "scheduledEvents": "Scheduled events", "forwardTrendTitle": "Forward trend", "forwardTrendSubtitle": "Project the next 1-5 years forward.", "cashin": { "breakdownTitle": "Where this cash comes from", "empty": "No projected inflows in this period." }, "cashout": { "breakdownTitle": "Where this cash goes", "empty": "No projected outflows in this period." }, "netflow": { "breakdownTitle": "In vs out", "empty": "No projected flows in this period." }, "sources": { "baselineIncome": "Salary / baseline income", "recurringIncome": "Planned income", "scheduledReceipts": "Scheduled receipts", "ownerDebt": "Owner balance", "scheduledBills": "Scheduled bills", "plannedUncategorized": "Other planned expenses", "recurringExpenses": "Recurring expenses", "scheduledEvents": "Goals & one-off expenses", "loanPayments": "Loan payments", "bufferUsage": "Carried-over budget" }, "drawer": { "totalLabel": "Total", "recurringFrom": "Recurring from {{date}}", "emptyTitle": "No itemized breakdown", "emptyDescription": "This amount comes from an aggregate, not individual projection lines.", "carriedSource": "Unspent in past periods" } } }, "wishes": { "cushion": { "title": "Give me room to breathe", "hint": "A cushion for when things go wrong", "question": "If the income stopped tomorrow, how long should you be fine?" }, "thing": { "title": "Get me something", "hint": "A house, a car, studies, time off", "question": "What's coming?" }, "freedom": { "title": "Stop needing to work", "hint": "Money that covers your life so you don't have to work for it", "question": "How much of your spending should your money cover?" } }, "quarter": { "pageTitle": "Your money ahead", "caption": "Your net worth today", "waysOut": { "title": "{{amount}} short in {{month}}: ways to close it", "trim": { "title": "Earn more or spend less", "subtitle": "Every month from now until {{month}}", "subtitleThisMonth": "This month", "value": "{{amount}}/month" }, "sell": { "title": "Sell from your long-term investments when cash runs out", "onlyGrowth": "From {{from}}, only the growth: what you put in stays invested, still worth {{left}} in {{end}}.", "eatsIn": "From {{from}}, whenever cash runs out. Still invested in {{end}}: {{left}}.", "runsOut": "From {{from}} until they run out in {{until}}. {{remaining}} is still open after that.", "declined": "You let your investments grow on the side, so the plan never sells them. Change it under your investments." } }, "targets": { "spent": "{{month}} · spent", "becomes": "{{month}} · stays in your net worth as {{kind}}" }, "now": { "title": "Do this now" }, "agenda": { "title": "Coming up", "byYear": "Years", "byDecade": "Decades", "byMonth": "Months", "cameFree": "{{amount}} came free after you started spreading, so it goes in at once.", "spreadToo_one": "Add it to this month's payment", "spreadToo_other": "Spread it over the {{count}} months left", "tooMuch": "The payments left would take {{amount}} out of your safety cash.", "lowerTo": "Lower the plan to {{total}}", "stopSchedule": "Stop the schedule", "lowerNamed": "Lower {{name}} to {{total}}", "stopNamed": "Stop {{name}}'s schedule", "fitAll": "Fit them to your cash", "fitLine": "{{name}}: lower to {{total}}", "fitLineStop": "{{name}}: stop", "times": "{{count}} times, from {{from}} to {{to}}", "yearRange": "{{from}} – {{to}}", "decade": "The {{decade}}s", "invest": "Invest", "sell": "Sell investments", "collect": "Payout arrives", "lock": "Lock your safety cash in bonds", "lockLine_one": "{{month}} · 1 bond at {{rate}} a year, back in {{to}}, locked again when it comes back", "lockLine_other": "{{month}} · {{count}} bonds at {{rate}} a year, back {{from}} to {{to}}, each locked again when it comes back", "collectLine": "{{month}} · from {{name}}", "sellLine": "{{month}} · refills your cash to {{years}} of essential costs, long before you need it", "investLine": "{{month}} · spare cash you won't need for {{years}}", "slice": "{{month}} · payment {{n}} of {{of}}, {{total}} in all", "sliceAndExtra": "{{month}} · payment {{n}} of {{of}}, {{total}} in all, plus {{extra}} spare cash", "eventPaid": "{{month}} · paid from your accounts", "eventBecomes": "{{month}} · paid from your accounts, it becomes {{kind}} you own", "eventWork": "{{month}} · {{amount}} still has to come from work, the rest from your accounts", "eventSold": "{{month}} · {{amount}} comes from selling long-term investments, the rest from your accounts", "eventSoldBecomes": "{{month}} · {{amount}} comes from selling long-term investments, the rest from your accounts; it becomes {{kind}} you own", "amountRange": "{{from}} – {{to}}", "trial": { "blocks_one": "Trying: work {{count}} month a year at {{amount}} a month", "blocks_other": "Trying: work {{count}} months a year at {{amount}} a month", "once": "Trying: invest {{amount}} once", "years": "Trying: earn {{amount}} a month for {{length}}", "forGood": "Trying: spend {{amount}} a month less, or earn it" }, "trialOnceLine": "{{month}} · new money, straight into your investments", "trialYearsLine": "{{from}} – {{to}} · then never again", "trialForGoodLine": "From {{month}} · rising with prices, for good", "perMonth": "{{amount}} a month", "incomeOnce": "{{month}} · arrives once", "incomeRange": "{{from}} – {{to}} · comes in every month", "incomeFrom": "From {{month}} · comes in every month", "planStepLine": "From {{month}} · {{to}} a month instead of {{from}}", "planStepRent": "From {{month}} · your rent of {{rent}} stops", "story": { "paidBack": "Money you lent, paid back", "borrowed": "Borrowed", "otherIn": "Other money coming in", "src": { "work": "Your work", "received": "Payments scheduled to you", "interest": "Interest on your safety cash", "growth": "Investment growth", "sold": "Selling investments", "cash": "Your cash", "fromWork": "Still to earn from work" }, "living": { "figure": "living costs", "eachYear": "living costs a year" }, "aYear": "{{amount}} a year", "left": { "invest": "{{amount}} left over after living costs. It goes into your investments.", "cash": "{{amount}} left over after living costs. It stays in your cash.", "split": "{{amount}} left over after living costs. {{invested}} goes into your investments, the rest stays in your cash." }, "short": { "line": "{{amount}} short: {{from}}.", "growth": "{{amount}} from selling what your long-term investments earned", "sold": "{{amount}} from selling long-term investments", "cash": "{{amount}} out of the cash you already had", "work": "{{amount}} still has to come from work" }, "safety": { "sizeBoth": "{{essentials}} of essentials and {{rest}} of everything else", "sizeEssentials": "{{essentials}} of essentials", "above": "Safety cash: you still have more than {{size}} in cash, so nothing is sold.", "refill": "Safety cash: kept at {{size}} for the years ahead." } } }, "details": { "everyRow": "All money in and out", "previous": "Earlier stretch", "next": "Later stretch" }, "checkpoint": { "stop": "You stop working: is your portfolio enough?", "breakEnds": "Your break ends: could you stay stopped?", "enough": "{{month}} · Yes: your investments carry you from there", "partly": "{{month}} · {{pct}}% of what you need, {{gap}} short", "unknown": "{{month}} · Set a growth rate to judge it" }, "path": { "title": "Your path", "stopWork": "You stop working", "breakEnds": "Break ends", "cashLow": "Cash runs low", "sellsFrom": "Selling starts", "nextYears": "Next {{count}} years", "untilAge": "Until you're {{age}}", "forYears": "{{count}} years", "shrinks": "Investments start shrinking", "runsOut": "Investments run out", "workNeeded": "Work needed from here", "trying": "What you are trying" }, "investments": { "scheduledSlice": "Payments you spread out" }, "thisMonth": { "title": "This month", "subtitle": "{{now}} now · {{end}} at the end of {{month}}", "caption": "At the end of {{month}}", "now": "{{amount}} now" } }, "investingBoard": { "planTitle": "Your plan", "subtitle": "Check these answers. Your whole plan is built on them.", "sections": { "expect": "What you expect" }, "approve": "Looks good", "goal": { "title": "Do you plan to stop working?", "stopped": { "title": "I don't plan to work", "line": "The plan lives off what you have." }, "asap": { "title": "As soon as I can afford it", "line": "You stop working once your investments can carry you.", "lineYear": "Your investments can carry you from {{year}}.", "outOfReach": "Your investments don't get there within the plan yet. Pick a year instead." }, "year": { "title": "In a year I pick", "line": "You stop working after the year you pick." }, "working": { "title": "No, I'll keep working", "line": "Your income keeps coming in the plan." }, "pensionSavings": { "unlocks": "{{amount}} · your plan can use it from {{year}}", "unlocked": "{{amount}} · your plan can use it", "locked": "{{amount}} · locked while you keep working" } }, "returns": { "title": "Expected return", "line": "What you expect your investments to earn each year.", "lineLongTerm": "What you expect your long-term portfolio to earn each year. Your other portfolios use this rate unless you give them their own on their plan page.", "lineOther": "What you expect this portfolio to earn each year. The plan never sells it; it grows on its own.", "lineOtherFollows": "What you expect this portfolio to earn each year. Until you pick, it grows like your long-term portfolio ({{rate}}%).", "feel": { "savings": "About what a savings account pays. Steady, but slow.", "mix": "A careful mix of savings and shares. Some ups and downs.", "shares": "Mostly shares. More growth, with bigger swings along the way." }, "holding": { "titleValue": "How its value changes", "line": "What you expect this to earn each year. The plan never sells it before you can use it.", "lineValue": "What it's worth in the plan, year by year. The plan never sells it.", "followsLongTerm": "Until you pick, it grows like your long-term portfolio ({{rate}}%).", "followsInflation": "Until you pick, it follows inflation ({{rate}}%).", "fundRecord": "We use {{pct}} a year: what {{fund}} did on average since {{year}}. Keep it, or change it if you know better: it only shapes the forecast.", "keepsValue": "Until you pick, the plan keeps today's value.", "titleVehicle": "How fast it loses value", "inYears": "In {{years}} years: about {{amount}}", "words": { "holds": "Holds its value", "slowly": "Slowly", "steadily": "Steadily", "fast": "Fast", "veryFast": "Very fast" }, "carTypical": "We use {{pct}} a year, typical for most cars. Keep it, or change it if you know better: it only shapes the forecast.", "carTypicalAge_one": "We use {{pct}} a year, typical for a car that's {{count}} year old. Keep it, or change it if you know better: it only shapes the forecast.", "carTypicalAge_other": "We use {{pct}} a year, typical for a car that's {{count}} years old. Keep it, or change it if you know better: it only shapes the forecast." }, "near": { "savings": "Like a savings account", "mix": "A careful mix", "shares": "Mostly shares" } }, "safety": { "none": "None", "title": "Safety cash", "line": "Years of costs kept in cash, so you never have to sell in a crash.", "essentials": "Essential costs", "other": "Everything else", "question": "How much do you keep in cash?", "byWhen": "By when?", "perMonth": "What can you put aside a month?", "pace": { "there": "It is all there today.", "ask": "Pick a date or a monthly amount to see your pace.", "atPace": "At {{amount}} a month, you will have it in {{month}}.", "inTime": "That is in time.", "late": "That is {{length}} after your date.", "toMake": "To make {{month}}, put aside {{amount}} a month." } }, "inflation": { "title": "Inflation", "line": "How fast your costs go up each year." }, "perYear": "{{pct}} a year", "notPicked": "Not picked yet", "sell": { "label": "Selling investments", "title": "If your cash runs low, may we sell some investments?", "yes": "Yes, a little", "no": "No, leave them alone", "fact": { "yes": "May sell a little if cash runs low", "no": "Never sells your investments" } }, "freedom": { "step": { "when": "When", "lasts": "How long" } } }, "planPage": { "income": { "label": "Your income", "question": "What do you earn?", "perMonth": "{{amount}} a month", "grows": "Grows {{pct}}% a year", "flat": "Stays the same", "none": "No income found yet", "stopped": "You've stopped working" }, "walkThrough": "Walk through your plan step by step" }, "link": { "started": "Already started?", "startedHint": "Link it to the home or car it became", "linked": "It became", "question": "Which one did it become?", "none": "Nothing you own matches yet. Add the account first.", "unlink": "Not this — unlink" }, "view": { "label": "Future view", "simple": "Simple", "classic": "Classic", "classicTitle": "Classic future" }, "v2": { "title": "Your money, planned", "caption": "Cash today", "arrival": { "title": "{{amount}} came in on {{date}}", "subtitle": "Give every euro a job" }, "doors": { "payday": { "title": "Plan this month's money", "subtitle": "Spend, grow, and the rest to your buffer" }, "money": { "title": "Your money and the road", "subtitle": "What you have, what is promised, what comes", "subtitleFigures": "{{spoken}} has a job · {{free}} free" }, "cash": { "title": "Your cash", "subtitle": "Every account: what it is for and what it earns" }, "invest": { "title": "How you invest", "subtitle": "Your buying plans, month by month" } }, "payday": { "pageTitle": "Payday", "steps": { "arrived": "Payday", "lastMonth": "Last month", "thisMonth": "This month", "spend": "Spend", "grow": "Grow", "done": "Done" }, "arrived": { "title": "{{amount}} came in on {{date}}", "titleNoArrival": "{{amount}} to plan", "body": "Give every euro a job: what you spend this month, what you grow toward something you want, and the rest goes to your buffer.", "cta": "Let's plan the money" }, "lastMonth": { "title": "In {{month}} you spent {{amount}}", "income": "Came in", "spent": "Spent", "usual": "A usual month" }, "thisMonth": { "title": "What still comes and goes this month", "empty": "Nothing else is scheduled this month." }, "spend": { "title": "How much do you spend this month?", "hintPlan": "Your plan still has {{amount}} to go", "hintUsual": "A usual month costs {{amount}}" }, "grow": { "title": "What do you grow?", "hint": "The rest goes to your buffer: {{amount}}", "invest": "Investing", "empty": "No goals yet. The rest goes to your buffer.", "add": "Something to save for" }, "done": { "title": "Every euro has a job", "spend": "Spend this month", "grow": "Grow", "buffer": "Buffer", "bufferNow": "Buffer today: {{have}} of {{need}}", "notSaved": "This plan isn’t saved yet.", "categories": "Split the spending into categories", "invest": "Choose what to buy", "finish": "Done" } }, "money": { "title": "Your money and the road", "caption": "Cash today", "decision": { "title": "{{amount}} has no job yet", "invest": "Invest the money", "payday": "Give the money a job" } }, "cash": { "title": "Your cash", "caption": "Cash today", "premise": { "label": "Count the salary estimate?", "known": "Known income", "estimate": "With salary estimate" }, "sections": { "options": "Make it work", "months": "Month by month", "accounts": "Where it sits" }, "verdict": { "notThisMonth": "Not enough this month", "enoughUntil_one": "Enough for {{count}} month, until the end of {{month}}", "enoughUntil_other": "Enough for {{count}} months, until the end of {{month}}", "short": "{{month}}: {{amount}} short", "shortAfter": "{{month}}: {{amount}} short after {{cause}}", "stillShort": "still short in {{month}}", "backIn": "back above zero in {{month}}", "enoughThrough": "Enough for everything you decided, through {{month}}", "lowest": "Lowest point {{amount}} at the end of {{month}}" }, "calendar": { "today": "Today", "hint": "Your cash flow if nothing changes: only what you have decided. Day-to-day is what comes in less what goes out; cash left is rose below zero and amber below your buffer.", "rows": { "flow": "Day-to-day", "income": "In", "spending": "Out", "other": "Other", "cash": "Cash left" } }, "options": { "goal": "Change {{name}}", "wait": "Wait until {{month}}", "shrink": "or spend {{amount}}", "goalEdit": "Move the date or change the amount", "plan": "Change {{name}}", "planLeft": "{{amount}} still to buy, until {{month}}", "spending": "Spend less each month", "spendingHint": "Your expense plan" }, "accounts": { "both": "About {{amount}} interest a year · {{idle}} earns nothing", "earns": "About {{amount}} interest a year", "none": "None of it earns interest", "nothing": "Earns nothing", "rateYear": "{{rate}} · about {{amount}} a year", "holds": "{{name}} {{amount}}" } } } }, "planningFreedom": { "goals": { "sectionTitle": "Goals", "confirmDeleteName": "Remove \"{{name}}\"?", "confirmRemove": "Remove", "editor": { "rail": { "child": "Child", "amount": "Amount", "date": "When", "impact": "Monthly" }, "childStepTitle": "Is your child here yet?", "childStepSubtitle": "We work back from their eighteenth birthday.", "amountStepTitle": "How much will it cost?", "amountStepSubtitle": "The total you'll need.", "dateStepTitle": "When do you need it?", "impactStepTitle": "What changes each month?", "impactStepSubtitle": "Once this happens, does anything start or stop costing you?", "name": "Name", "namePlaceholder": "e.g. House renovation", "note": "Note", "notePlaceholder": "Optional context, e.g. From life insurance", "downpaymentPercent": "Down payment", "downpaymentComputed": "That's {{amount}} to save.", "downpaymentCash": "Cash", "childBorn": "They're here", "childBornHint": "We count from the year they were born.", "childExpected": "On the way", "childExpectedHint": "We count from the year you expect them.", "childBirthYear": "Year of birth", "childExpectedYear": "Year you expect them", "childName": "Their name", "childNameHint": "Optional. Without it we'll just say your child.", "childStarts": "Studies start around {{year}}, at eighteen.", "childStartsNamed": "Studies start around {{year}}, when {{name}} turns 18.", "annualCost": "Cost a year", "years": "Years to fund", "computedAmount": "Target amount: {{amount}}", "tuitionTotalFrom": "{{amount}} in total, spent from {{year}}.", "impactCost": "New monthly cost", "impactSaving": "You'll spend less on {{group}}", "impactSavingPlanned": "You plan {{amount}} a month on {{group}} today.", "impactSavingUntagged": "Something you'll spend less on", "impactNetSaving": "Net: {{amount}} a month back in your pocket", "impactNetCost": "Net: {{amount}} a month more going out", "impactNetNeutral": "Net: your monthly costs stay the same", "loanYears": "How long is the loan?", "loanYearsChip": "{{count}} years", "loanRate": "At what yearly rate?", "loanPayment": "Borrowing {{borrowed}}: {{amount}} a month for {{count}} years", "loanReplacesTyped": "You had {{amount}} a month here for the loan. Its length and rate now work out the payment, so it is no longer counted as a separate cost.", "impactCostOther": "Other new monthly costs (insurance, upkeep)", "rentStops": "Your rent of {{amount}} a month stops when you move in", "rentOrMortgageAsk": "You pay {{amount}} a month on rent & mortgage. Does it stop when you move in?", "rentStopsYes": "Yes, it stops", "rentStopsNo": "No, it keeps going", "rentAlreadyOut": "Your plan for {{month}} already leaves your rent out, so nothing changes there.", "impactCostUseSuggested": "Use {{amount}} a month as a starting point", "other": "Other", "downpaymentShare": "{{pct}}% down", "whichMonth": "Which month?" } }, "settings": { "sectionTitle": "Assumptions", "open": "Edit assumptions", "reset": "Reset to defaults", "bondYieldCurveTitle": "What safe savings earn", "bondYieldCurveSourceEcb": "Live ECB · as of {{date}}", "bondYieldCurveSourceManual": "Manual", "bondYieldCurveSourceDefault": "Default rates", "bondYieldCurveRefresh": "Use live ECB rates", "bondYieldCurveRefreshing": "Fetching…", "bondYieldCurveError": "Could not fetch ECB rates", "bondYieldCurveHint": "Rates on the safest government bonds, updated from the European Central Bank.", "bondYieldMaturity1Y": "1 Year", "bondYieldMaturity2Y": "2 Years", "bondYieldMaturity3Y": "3 Years", "bondYieldMaturity5Y": "5 Years", "bondYieldMaturity10Y": "10 Years", "bondYieldCurveLead": "What safe money earns, by how long you lock it away.", "editRates": "Edit rates", "doneEditingRates": "Done" }, "templates": { "sectionTitle": "What are you saving for?", "sectionSubtitle": "Toggle goals off to see their impact on your cash plan.", "ctaSetUp": "Add", "ctaEdit": "Edit", "activeBadge": "On", "pausedBadge": "Off", "allUsed": "You've set up every standard goal, add a custom one from the row below, or pick from existing goals to edit them.", "removeAria": "Remove {{name}}", "savesPerMonth": "saves {{amount}}/mo", "costsPerMonth": "+{{amount}}/mo", "buyHome": { "title": "Buy a home", "hint": "Set a price and a deposit, and we work back to what you need saved.", "steps": { "amountTitle": "What's the property price?", "amountSubtitle": "And how much will you put down?", "dateTitle": "When do you want to move in?", "impactTitle": "What changes each month once you own it?", "impactFirstHome": "You don't have a home registered yet, so the mortgage is new money out, and the rent you pay now stops." } }, "buyCar": { "title": "Buy a car", "hint": "Set what you want to spend and roughly when.", "steps": { "amountTitle": "How much do you want to spend?", "amountSubtitle": "The price of the car itself.", "dateTitle": "When do you want to buy it?", "impactTitle": "What will running it cost?", "impactFirstCar": "You don't have a car registered yet, so fuel, insurance, road tax and upkeep are all new." } }, "wedding": { "title": "Wedding", "hint": "The day itself, and everything around it.", "steps": { "amountTitle": "What will the wedding cost?", "dateTitle": "When is the big day?" } }, "bigTrip": { "title": "Big trip", "hint": "The one you keep putting off.", "steps": { "amountTitle": "What will the trip cost?", "dateTitle": "When do you leave?" } }, "kidsEducation": { "title": "Kids' education", "hint": "Save for tuition years, starting when your child turns 18.", "steps": { "amountTitle": "What will studying cost?", "amountSubtitle": "Tuition a year, and how long the course runs." } }, "custom": { "title": "Something to buy", "hint": "A laptop, a sofa, a gift. Name it and price it.", "steps": { "amountTitle": "What's the goal?", "amountSubtitle": "Name it and set the amount." } } }, "adjustments": { "perMonth": "{{amount}}/mo", "perMonthInstead": "{{amount}}/mo instead", "noPayInstead": "No pay", "openEnded": "ongoing", "templates": { "newJob": { "title": "New job", "hint": "Starting a new role or position", "namePlaceholder": "e.g. Software engineer at Acme" }, "salaryRaise": { "title": "Salary raise", "hint": "Your income is going up", "namePlaceholder": "e.g. Annual raise" }, "timeOff": { "title": "Time off", "hint": "A stretch without pay", "namePlaceholder": "e.g. Sabbatical" }, "parentalLeave": { "title": "Parental leave", "hint": "Temporary income reduction", "namePlaceholder": "e.g. Parental leave" }, "partTime": { "title": "Part-time work", "hint": "Reducing your working hours", "namePlaceholder": "e.g. 4-day week" }, "newCost": { "title": "New recurring cost", "hint": "New subscription, rent, or regular bill", "namePlaceholder": "e.g. Gym membership, new lease" }, "cutExpense": { "title": "Cut an expense", "hint": "Removing or reducing a recurring cost", "namePlaceholder": "e.g. Netflix, gym membership" }, "windfall": { "title": "Windfall", "hint": "Bonus or sale proceeds", "namePlaceholder": "e.g. Annual bonus, asset sale" }, "inheritance": { "title": "Inheritance", "hint": "Lump sum from an estate", "namePlaceholder": "e.g. Inheritance from grandparent" }, "pension": { "title": "Pension", "hint": "State, workplace or private: what lands each month after tax.", "namePlaceholder": "e.g. State pension" }, "childBenefit": { "title": "Child benefit", "hint": "Recurring family or childcare allowance", "namePlaceholder": "e.g. Kindergeld, family allowance" }, "rentalIncome": { "title": "Rental income", "hint": "Rent from a property or room", "namePlaceholder": "e.g. Apartment rental" }, "jobLoss": { "title": "Job loss", "hint": "Income drops while between jobs", "namePlaceholder": "e.g. Unemployment period" }, "oneoffExpense": { "title": "One-time expense", "hint": "A purchase or cost that happens once", "namePlaceholder": "e.g. New laptop, dental work" } }, "fields": { "name": "Name", "date": "Date", "startDate": "Start date", "endDate": "End date", "endDateError": "End date must be after start date.", "note": "Note", "notePlaceholder": "Optional context", "amountStepTitleRecurring": "How much per month?", "amountStepTitleOneoff": "How much in total?", "timingStepTitle": "When?", "untilMonth": "Pick an end month", "nameOptional": "Call it (optional)", "cuts": "What does it cut?", "breakAmountHint": "Your {{amount}} salary stops for these months. Fill in a benefit or allowance, or leave it at 0." }, "steps": { "arrivesAmount": "How much will you get?", "arrivesWhen": "When does it arrive?", "monthlyAmount": "How much a month?", "fromWhen": "From when?", "startsWhen": "When does it start?", "raiseAmount": "How much more a month?", "breakWhen": "When does it start, and for how long?", "breakAmount": "Will anything come in meanwhile?", "cutAmount": "How much less will you spend a month?", "rail": { "amount": "Amount", "timing": "When" } } }, "essentialFractions": { "sectionTitle": "Spending flexibility", "subtitle": "Mark how much of each category you'd still spend if your income stopped. We use this to size your safety reserve.", "summaryEssentialOf": "essential of", "summaryEssentialLabel": "Essential", "summaryFlexLabel": "Flexible", "summaryOptionalShare": "{{pct}}% optional", "summaryLadderHint": "Bond ladder sizes off the essential portion", "essentialLabel": "essential", "flexLabel": "flex", "optionalLabel": "optional", "noPlanThisMonth": "No plan this month", "basisAvgTag": "≈ avg of last 3 mo", "basisAvgInline": "≈ {{amount}} / mo", "basisPlannedTag": "planned", "setPlanCta": "Set a plan →", "emptyState": "No plans or recent spending yet for these categories.", "noBasisHint": "No spending data yet", "dataSourceTooltip": "Per-category amount is the average of your plans over the next 12 months (months without a plan don't dilute the average), matching the bond ladder's planning horizon. Cuts from Life Changes and Goals are shown separately.", "rangeInline": "ranged {{min}}-{{max}} over next 12 mo", "cutInline": "−{{amount}}/mo trim", "cutTooltip": "Monthly cut from an active Life Change or completed Goal targeting this category. The ladder math already accounts for it.", "cutPendingInline": "−{{amount}}/mo from {{date}}", "cutPendingTooltip": "Future cut from a Goal or Life Change that kicks in on {{date}}. Not applied yet, your current ladder is sized off the pre-cut amount.", "afterCutInline": "→ {{amount}} essential from {{date}}", "afterCutInlineWithSource": "→ {{amount}} essential from {{date}} · {{source}}", "afterCutTooltip": "After a {{cut}}/mo cut from {{source}} kicks in on {{date}}, your essential portion for this category drops to the amount shown.", "cutSourceFallback": "a Goal or Life Change", "summaryTodayLabel": "Today", "summaryAfterCutsLabel": "After pending cuts", "sliderAria": "Essential fraction for {{name}}", "verbal": { "alwaysPay": "Always pay", "mostlyKeep": "Mostly keep", "couldTrim": "Could trim", "mostlySkip": "Mostly skip", "wouldSkip": "Would skip" } } }, "expensePlanner": { "flow": { "rail": { "when": "When", "plan": "Plan", "review": "Review" }, "intro": { "title": "How your plan works", "subtitle": "A plan is just an amount per category each month, prefilled from your typical spending. You pick which months it covers, then we track what you spend against it.", "typicalTitle": "Here's what you usually spend", "typicalSubtitle": "We added up your last 12 months. Your plan starts from these numbers, and you can change any of them next.", "typicalTotal": "Typical month", "recapTitle": "Your plan right now", "recapSubtitle": "Here's roughly what you're planning each month. Start to review it or change a month.", "cta": "Start", "demo": { "housing": "Rent & bills", "groceries": "Groceries", "funMoney": "Going out", "other": "Other", "total": "Monthly plan" } }, "scope": { "title": "What do you want to update?", "subtitle": "You can always come back later and change a single month.", "everyMonthSummary": "every month (next {{count}}, from {{month}})", "tiles": { "all": { "title": "All upcoming months", "desc": "Set your everyday plan for the months ahead." }, "this": { "title": "Only this month", "desc": "Change just {{month}}, without touching other months." }, "pick": { "title": "A specific month", "desc": "Plan one month on its own, like your holiday month." } }, "alreadyPlanned": "Already planned" }, "months": { "title": "Which month?" }, "category": { "fact": "Usually {{usual}} a month · {{last}} last month", "factUsualOnly": "Usually {{usual}} a month", "factNone": "Nothing spent here in the last year.", "covers": "Mostly {{list}}", "keepUsual": "Keep my usual", "sameAsLastMonth": "Same as last month", "pickAmount": "Pick an amount", "skip": "Don't plan this one", "earned": "You earned {{income}} in {{month}}", "plannedSoFar": "{{amount}} planned" }, "plan": { "titleRecurring": "How much do you plan to spend each month?", "titleScoped": "How much for {{scope}}?", "usually": "usually {{amount}}", "useAverage": "Use what I usually spend", "currencyAria": "Currency for these planned amounts", "placeholder": "0", "plannedSoFar": "Planned in total" }, "review": { "title": "Your plan is ready", "backtest": { "savedLabel": "of your income, saved", "overLabel": "more than you earned each month", "savedDetail": "If this had been your plan, you'd have kept about {{kept}} of the {{income}} you earned each month.", "overDetail": "This plan spends {{plan}} a month, but you earned about {{income}}.", "basis": "based on your last {{months}} months", "noHistory": "planned each month, across {{count}} categories" }, "protectedNote_one": "{{months}} already has a different amount planned. Keep it, or replace it with this plan?", "protectedNote_other": "{{count}} upcoming months already have different amounts ({{months}}). Keep those, or replace them with this plan?", "protectedMore": "{{months}} +{{more}} more", "keepExisting": "Keep", "replaceExisting": "Replace", "saveCta": "Save plan" }, "done": { "title": "Your plan is set", "subtitle": "We'll track your spending against it.", "ctaTracking": "See spending vs plan", "ctaAnotherMonth": "Plan another month", "cta": "Done" }, "toasts": { "saved": "Your plan is saved", "saveFailed": "Couldn't save your plan. Please try again." }, "switchToGrid": "Grid view", "switchToFlow": "Guided plan" }, "year": { "title": "Plan your year", "subtitle": "Set every category across all twelve months at a glance.", "yearTotal": "Year total", "cellAria": "{{category}} plan for {{month}}", "pastCellAria": "{{category}} plan for {{month}}, past month, double-click to correct", "pastCellHint": "Past month, double-click to correct", "currencyAria": "Currency for {{category}} plans", "switchToFlow": "Guided plan", "toasts": { "saveFailed": "Couldn't save that amount. Please try again." } }, "header": { "categoriesPlanned": "{{count}} of {{total}} categories planned" }, "insights": { "title": "Planning Insights", "avg3mo": "3-mo avg spent", "avg6mo": "6-mo avg spent", "income": "Spendable income", "totalIncome": "Total income", "matchesAvg": "In line with what you usually spend", "aboveAvg": "Planning {{percent}}% more than usual", "belowAvg": "Planning {{percent}}% less than usual", "ofCategories": "of {{total}} planned", "avgLabel": "Avg spent", "planLabel": "Your plan", "incomeRemaining": "still unplanned", "incomeOver": "over income", "savingsRate": "Savings rate", "savingsRateExplainer": "If you spend what's planned, how does your cumulative savings rate evolve?", "savingsRateAfter": "Projected rate" }, "helper": { "title": "Planning Helper", "recentSpending": "Your recent spending", "suggestions": "Suggestions", "threeMonthAvg": "3-mo avg spent", "sixMonthAvg": "6-mo avg spent", "lastMonthBudget": "Last month's plan", "useThis": "Use this", "noData": "No spending data available", "thisMonth": "This month", "used": "used", "currentPlan": "Current plan" }, "views": { "month": "Month", "quarter": "Quarter", "halfYear": "Half year", "year": "Year" }, "periodSummary": { "total": "Planned", "spendable": "Spendable income", "cumulative": "Cumulative", "label": "{{count}}-month plan" }, "pastPeriod": { "locked": "Past month - locked", "unlock": "Unlock", "editing": "Editing past month", "lock": "Lock" }, "categoryRow": { "plannedExpenses": "Planned expenses: €{{amount}}", "plannedExpensesZero": "Planned expenses: €0", "noPlannedExpenses": "No planned expenses set", "left": "€{{amount}} left", "over": "€{{amount}} over", "ariaLabel": "Planned expenses for {{category}}" }, "copyToFuture": { "title": "Copy to future months", "copyAllTitle": "Copy all categories to future months", "copyRowHeader": "Copy {{name}} from {{month}} →", "copyAllHeader": "Copy all from {{month}}", "confirmTitle": "Copy all planned expenses?", "confirmMessage": "This will copy {{count}} categories from {{source}} to {{destination}}. Existing values will be overwritten.", "confirmLabel": "Copy", "cancelLabel": "Cancel" }, "trendChart": { "title": "Planned Expenses Trend", "noData": "No planning data available", "other": "Other" }, "toasts": { "savedForMonth": "Plan saved for {{month}}", "applyToFuture": "Apply to future months", "noEarlierData": "No earlier data available", "noLaterData": "No later data available", "movedToEarliest": "Moved to earliest period with data", "noBudgetsToCopy": "No planned expenses to copy from current month", "copyingBudgets": "Copying planned expenses... {{current}}/{{total}} months", "copiedBudgets": "Copied {{categories}} planned expenses to {{months}} future month(s)!", "noBudgetForCategory": "No planned expenses set for this category in current month", "cannotCopyCategory": "Cannot copy planned expenses for this category", "copyingCategory": "Copying {{category}}... {{current}}/{{total}} months", "copiedCategory": "Copied {{category}} to {{months}} future month(s)!", "savedBudgets": "Saved {{count}} planned expense successfully!", "savedBudgetsPlural": "Saved {{count}} planned expenses successfully!", "savedWithErrors": "Saved {{saved}}, {{errors}} failed", "failedSaveBudgets": "Failed to save planned expenses" } }, "accountFilter": { "allBanks": "All banks", "all": "All", "add": "Add", "scrollLeft": "Scroll left", "scrollRight": "Scroll right", "filterByBank": "Filter by bank", "selectAccount": "Select account", "accountSettings": "Account settings" }, "accounts": { "startBalance": { "nudge": "Tell us the balance in {{name}} today to keep your reports accurate.", "nudgeCta": "Set balance", "nudgeCash": "Tell us how much cash is sitting in {{name}} today to keep your reports accurate.", "nudgeCashCta": "Set cash balance", "nudgeValue": "Tell us what {{name}} is worth today to keep your reports accurate.", "nudgeValueCta": "Set value", "reconcileHeading": "What's the real balance now?", "reconcileHeadingCash": "How much cash is in it now?", "reconcileHeadingValue": "What's it worth now?" }, "balanceUpdate": { "moreThanCounted": "{{amount}} more than Briliza counts. Why?", "lessThanCounted": "{{amount}} less than Briliza counts. Why?", "wrongTitle": "The {{amount}} I entered on {{date}} was wrong", "wrongDescription": "Replace it with this balance", "interestTitle": "Interest came in", "interestDescription": "Add {{amount}} of interest", "inTitle": "Money came in", "inDescription": "Add {{amount}} coming in", "outTitle": "Money went out", "outDescription": "Add {{amount}} going out" }, "moves": { "noticeTitle_one": "1 transfer isn't in this account yet", "noticeTitle_other": "{{count}} transfers aren't in this account yet", "noticeMessage": "They're on {{accounts}}, where they count as income and spending until they're added here.", "review": "Review", "sheetTitle": "Transfers to add", "from": "From {{account}}", "to": "To {{account}}", "effectUp": "Adding them raises this balance by {{amount}}.", "effectDown": "Adding them lowers this balance by {{amount}}.", "effectNone": "This balance stays the same: they're from before the balance you set.", "addAll_one": "Add it", "addAll_other": "Add all {{count}}", "added_one": "1 transfer added", "added_other": "{{count}} transfers added", "someFailed": "Some transfers weren't added." }, "suggestions": { "ownTitle": "Is this account yours?", "pensionTitle": "Is this your pension savings?", "effect": "Say yes, and this stops counting as income or spending.", "facts": { "account": "Account", "whose": "In the name of", "payments": "Payments", "paymentsValue_one": "1, in {{range}}", "paymentsValue_other": "{{count}}, {{range}}", "paidIn": "Paid in", "paidOut": "Paid out" }, "quiet_one": "The last payment was a year ago, so it may be closed by now.", "quiet_other": "The last payment was {{count}} years ago, so it may be closed by now.", "yes": "Yes, it's mine", "no": "Not mine", "added": "{{name}} added", "addFailed": "That didn't work. Nothing was added.", "whichTitle": "Which one is it?", "newAccount": "A new account", "otherAccounts": "One of my other accounts", "linked": "Linked to {{name}}", "linkFailed": "That didn't work. Nothing was changed.", "dismissFailed": "That didn't work. We'll ask again later.", "eyebrow": "Accounts we found", "balanceQuestion": "How much is in it today?", "balanceQuestionCash": "How much cash is in it today?", "balanceHint": "Copy it from your banking app. Skip, and the account page will ask again.", "defaultName": "Savings account" }, "connectionSuggestions": { "eyebrow": "Banks to connect", "startedTitle": "Want {{bank}} to keep itself up to date? Finish connecting it", "startedBody": "You started on {{date}} but didn't finish. Once it's connected, its transactions come in by themselves.", "finish": "Finish connecting", "notNow": "Not now", "cardTitle": "Want these top-ups to stop counting as income? Connect the bank behind card ··{{last4}}", "cardBody": "We only see the card's last 4 digits. Look for the card ending in {{last4}}: its bank is the one to connect.", "connect": "Connect that bank", "notMine": "Not mine", "facts": { "started": "You started connecting", "into": "Into", "topups": "Top-ups", "topupsValue_one": "1, in {{range}}", "topupsValue_other": "{{count}}, {{range}}", "paidIn": "Paid in" } }, "connectExplainer": { "title": "Connect an account", "subtitle": "Link your bank once and transactions flow in on their own, or add them by hand.", "automaticTab": "Connect a bank", "manualTab": "Add by hand", "bankNode": "Your bank", "loginOnce": "Log in once", "syncing": "Syncing", "automaticCaption": "Connect once, then transactions flow in on their own, up to twice a day.", "secureNote": "Bank connections are read-only and handled by our banking partner. We never store your login.", "manualTitle": "New transaction", "manualPlaceholder": "e.g. Groceries", "manualAdd": "Add", "manualCaption": "For cash, foreign banks, or anything not supported. You add transactions yourself, or import a CSV, ready right away.", "feed": { "salary": "Salary", "groceries": "Groceries", "subscription": "Subscription", "fuel": "Fuel" } }, "pageTitle": "Accounts", "loading": "Loading...", "empty": { "title": "No accounts yet", "description": "Connect your bank or add an account manually to get started." }, "totalBalance": "Total Balance", "fx": { "title": "Currency exposure", "held": "Held", "costBasis": "Cost basis", "marketValue": "Value at today's rate", "unrealized": "Unrealized currency gain/loss", "realized": "Realized (from conversions)", "note": "Disclosure only, net worth values this account at your actual conversion rate where known." }, "accountCount": "{{count}} account", "accountCountPlural": "{{count}} accounts", "addAccount": "Add account", "addMissing": { "cash": "Add the cash you carry", "cards": "Add a meal voucher or gift card", "creditCard": "Add your {{bank}} credit card ··{{last4}}", "creditCardNoNumber": "Add the credit card paid from {{account}}" }, "creditCard": { "paidFrom": "Paid from", "leaves": "Leaves {{account}}", "around": "Around {{date}}", "credit": "Credit on the card", "creditCaption": "A refund left this on it. Your next purchases use it first.", "nextStatement": "Next statement", "cycleOpened": "Purchases since {{date}} go on it", "noBillSince": "No bill since {{date}}", "statements": { "title": "Statements", "drop": "Choose or drop a card statement", "need_one": "Want each purchase? Send the statement of {{dates}}", "need_other": "Want each purchase? Send the statements of {{dates}}", "needRange": "Want each purchase? Send the {{count}} statements from {{from}} to {{to}}", "of": "Statement of {{date}}", "itemized": "Each purchase, from your statement", "mismatch": "{{amount}} differs from the debit", "undo": "Undo import", "undone": "Back to one amount, as it was.", "undoTitle": "Undo this statement import?", "undoMessage": "The purchases from the statement go, and the one amount comes back exactly as it was, your splits included." }, "review": { "question": "Add this statement to your card?", "previous": "Previous balance", "purchases": "Purchases", "refunds": "Refunds", "owed": "You owe", "credit": "Credit on the card", "replacesLump": "It replaces the one amount of {{amount}} from {{date}}.", "replacesItemized": "It replaces the purchases already added from the statement of {{date}}.", "checksTitle": "Checked against your statement", "check": { "printed_one": "The line is printed exactly like this on the PDF", "printed_other": "All {{count}} lines are printed exactly like this on the PDF", "ties_out": "Previous balance, purchases and refunds add up to what you owe", "purchases_add_up": "The purchases add up to their total", "refunds_add_up": "The refunds add up to their total", "lines_positive": "Every line has an amount", "follows_previous": "It follows on from your previous statement", "matches_debit": "What you owe matches what left your account", "same_card": "It's this card", "dates_in_period": "Every purchase falls in this statement's period", "figures": "The statement says {{actual}}, it should be {{expected}}" }, "linesTitle_one": "{{count}} line", "linesTitle_other": "{{count}} lines", "replace": { "lump_split": { "title": "Replace the bill you split?", "message": "You split this bill by hand. The statement's purchases replace your split. Undo brings your split back exactly." }, "already_itemized": { "title": "Replace the earlier statement?", "message": "This statement was already added from another document. The new one replaces its purchases. You can undo it." }, "confirm": "Replace" }, "add_one": "Add {{count}} line", "add_other": "Add {{count}} lines", "adding": "Adding…", "added_one": "Added {{count}} line. Sort it in your review.", "added_other": "Added {{count}} lines. Sort them in your review." } }, "archived": "Archived", "cashGroup": "Cash", "bankGroup": "Bank", "savingGroup": "Savings", "cardsGroup": "Cards", "investmentsGroup": "Investments", "assetsGroup": "Holdings", "typeLabel": { "cash": "Wallet", "current": "Current account", "saving": "Savings account", "asset": "Holding", "investment": "Investment account", "cards": "Card", "loan": "Loan", "forecast": "Forecast", "tax": "Tax account" }, "attentionWizard": { "stoppedHeadline": "Sync stopped", "expiringHeadline": "Sync expiring soon", "expiresIn": "Expires in {{days}} days", "expiredAgo": "Expired {{days}} days ago", "oneAccountAffected": "1 account affected", "multipleAccountsAffected": "{{count}} accounts affected", "fixThis": "Fix this", "chooseAction": "What would you like to do with {{bank}}?", "reconnectAction": "Reconnect to turn auto-sync back on", "reconnectHint": "When your bank asks, select every account you want to keep syncing.", "connecting": "Taking you to {{bank}}", "manualAction": "I'll add transactions manually from now on", "archiveAction": "I've closed this account, balance is zero", "switchedToManual": "Switched to manual tracking", "accountClosed": "Account archived", "cannotClose": "Cannot archive this account" }, "explain": { "includes": "Includes", "excludes": "Excludes", "tag": { "currentAccounts": "Current accounts", "savingsAccounts": "Savings accounts", "cashAccounts": "Wallets", "cardAccounts": "Card accounts", "investmentHoldings": "Investment holdings (stocks, ETFs)", "assetAccounts": "Holdings (house, car)", "forecastAccounts": "Forecast accounts", "closedAccounts": "Archived accounts" } }, "confirmDialog": { "closeMessage": "This account will be archived and hidden from your active accounts. All transaction history will be preserved and you can restore it anytime.", "closeMessage_holding": "This holding will be archived and hidden from your active holdings. Its history stays and you can restore it anytime.", "closeMessage_cash": "This wallet will be archived and hidden from your list. Its history stays and you can restore it anytime.", "closeMessage_card": "This card will be archived and hidden from your list. Its history stays and you can restore it anytime.", "closeMessage_loan": "This loan will be filed away and hidden from your loans. Its history stays and you can restore it anytime.", "reopenMessage": "This account will be restored to your active accounts list.", "reopenMessage_holding": "This holding will be restored to your active holdings.", "reopenMessage_cash": "This wallet will be back in your list.", "reopenMessage_card": "This card will be back in your list.", "reopenMessage_loan": "This loan will be back in your loans." }, "card": { "closed": "Archived", "investedValue": "Invested: {{value}}", "cash": "Cash", "invested": "Invested", "paused": "Paused", "syncedAsOf": "Synced as of {{date}}", "balanceAsOfTime": "As of {{time}}", "balanceAsOf": "As of {{date}}" }, "freshness": { "recentTitle": "Your latest transactions may not be here yet", "recentBody": "We last received data from {{bank}} today at {{time}}. It sends us updates a few times a day.", "staleTitle": "Some transactions may be missing", "staleBody": "We last received data from {{bank}} on {{date}}. New transactions appear once it sends more.", "yourBank": "your bank" }, "frozenBanner": { "title": "Bank syncing is paused", "body_one": "1 account stopped updating. Resubscribe to bring it back.", "body_other": "{{count}} accounts stopped updating. Resubscribe to bring them back." }, "balanceSplit": { "title": "Balance by Owner", "shared": "This account holds {{total}}. Only your share counts toward your net worth.", "shared_cash": "This wallet holds {{total}}. Only your share counts toward your net worth.", "shared_card": "This card holds {{total}}. Only your share counts toward your net worth.", "shared_loan": "This loan stands at {{total}}. Only your share counts toward your net worth.", "shared_holding": "This is worth {{total}} in all. Only your share counts toward your net worth.", "you": "You" }, "ownerShare": { "ofTotal": "your share of {{full}} in the account", "ofTotal_cash": "your share of {{full}} in the wallet", "ofTotal_card": "your share of {{full}} on the card", "ofTotal_loan": "your share of {{full}} owed", "ofTotal_holding": "your share of {{full}}", "allOthers": "your share of {{full}} (all {{owner}}'s)" }, "actions": { "settings": "Settings", "holdings": "Holdings" }, "typeLabels": { "current": "Current", "checking": "Checking", "saving": "Savings", "savings": "Savings", "investment": "Investment", "cash": "Cash", "cards": "Cards", "credit": "Credit", "creditCard": "Credit card", "loan": "Loan", "asset": "Holding", "forecast": "Forecast", "tax": "Tax account" }, "typeDescriptions": { "current": "Everyday spending account", "saving": "Where you set money aside", "savings": "Where you set money aside", "investment": "Stocks, ETFs and funds", "cash": "Physical money you hold", "cards": "Meal vouchers & gift cards", "loan": "A mortgage, car loan or other debt", "creditCard": "Paid off each month from your account" }, "wizard": { "stepTitles": { "findBank": "Find Your Bank", "assetFindBank": "Where Is This Held?", "investmentFindBank": "Where Do You Invest?", "chooseAction": "What would you like to do?", "typeQuestion": "What are you adding?", "readyToConnect": "Ready to Connect", "reviewCreate": "Review & Create" }, "countries": { "belgium": "Belgium", "spain": "Spain", "other": "Other", "austria": "Austria", "croatia": "Croatia", "cyprus": "Cyprus", "estonia": "Estonia", "finland": "Finland", "france": "France", "germany": "Germany", "greece": "Greece", "ireland": "Ireland", "italy": "Italy", "latvia": "Latvia", "lithuania": "Lithuania", "luxembourg": "Luxembourg", "malta": "Malta", "netherlands": "Netherlands", "portugal": "Portugal", "slovakia": "Slovakia", "slovenia": "Slovenia" }, "searchBanks": "Search banks...", "probablyYours": "Probably yours", "startedOn": "You started connecting it on {{date}}", "topPicks": "Top picks", "allBanks": "All banks", "connectedAddAnother": "Already connected · add another account", "linking": "Linking", "linkingDescription": "Select a bank to connect this account for automatic syncing", "form": { "accountName": "Account name", "accountName_holding": "Nickname", "accountName_cash": "Wallet name", "accountName_card": "Card name", "accountName_loan": "Loan name", "autoNameMine": "My {{product}}", "autoNameNamed": "{{name}}'s {{product}}", "autoNameShared": "Our {{product}}", "autoNameAtBank": "{{name}} at {{bank}}", "ownerQuestion": "Whose is this?", "accountType": "Account Type", "accountType_cash": "Type", "accountType_card": "Type", "accountType_loan": "Type", "accountType_holding": "Type", "selectNewType": "Select a new account type", "typeLockedHint": "Type cannot be changed because this account has investment transactions.", "currency": "Currency", "owner": "Owner", "bankName": "Bank Name", "bankOrProvider": "Bank or Provider", "maturityDate": "Maturity date (optional)", "maturityDateHint": "When it's repaid or reaches the end of its term.", "providerOptional": "Provider (optional)", "heldWhere": "Bank or insurer (optional)", "iban": "IBAN", "addIban": "Add IBAN", "ibanInvalid": "This IBAN doesn't look right, double-check it", "recommended": "recommended", "startBalance": "Current balance", "currentValue": "Current value", "cashBalance": "Cash balance", "startBalanceHint": "How much is in this account right now. We'll track everything from here.", "startBalanceHint_cash": "How much is in the wallet right now. We'll track everything from here.", "startBalanceHint_card": "What's on the card right now. We'll track everything from here.", "amountOwed": "Amount you still owe", "amountOwedHint": "What's left to pay on this loan, straight from your lender's statement. It goes down as you pay it off.", "currentValueHint": "What this holding is worth today. We'll use it as the baseline for reporting.", "cashBalanceHint": "Cash in this account that isn't invested yet. Leave it at 0 if there's none, like for a fund at your bank.", "placeholderName": "e.g., My Savings, Emergency Fund, Pension", "placeholderName_holding": "e.g., House, Car, Retirement Fund, Jewelry", "placeholderName_cash": "e.g., Wallet, Cash at home", "placeholderName_card": "e.g., Visa, Meal vouchers", "placeholderName_loan": "e.g., Mortgage, Car loan", "placeholderProvider": "e.g., Edenred, Pensio B Fund", "placeholderHeldWhere": "e.g., AG Insurance, KBC, Bolero", "bankOrBroker": "Bank or broker", "placeholderBankOrBroker": "e.g., KBC, Bolero, DEGIRO", "placeholderBank": "e.g., ING, KBC, Revolut", "placeholderBankOrProvider": "e.g., ING, Edenred, Bolero, Pension Fund", "currencyWarning": "Currency is set by the bank connection", "searchCurrency": "Search currencies...", "noCurrencyFound": "No currency found", "commonCurrencies": "Common", "allCurrencies": "All currencies" }, "intro": { "description": "Connect your bank to automatically import transactions, or add accounts manually for full control over your finances.", "whatToTrack": "Find your bank", "searchDescription": "Select your bank to connect and sync transactions automatically.", "presetBankSearch": "Is this account at a bank or broker?", "presetBankSearchDesc": "Select your bank to pre-fill account details, or skip if not applicable.", "assetBankSearchDesc": "Some assets are held at a bank, like pension funds or retirement accounts. Others, like real estate or vehicles, are not. Select your bank or skip.", "investmentBankSearchDesc": "Select the bank or broker where you invest, like Bolero, DEGIRO, or your bank's investment platform." }, "orAddManually": "Or add manually", "otherAccounts": { "title": "Cash, cards or vouchers", "hintPrefix": "For things you own (house, car, pension), go to ", "assetsLink": "Holdings" }, "accountTypes": { "currentAccount": "Current Account", "currentAccountDesc": "We'll connect to your bank and sync transactions automatically", "otherAtBank": "Other account at this bank", "otherAtBankDesc": "Banks can't share these automatically, you add transactions yourself", "otherAtBankConnectedDesc": "Add a savings, investment, or other account at this bank", "connectAnotherCurrent": "Connect another current account" }, "addAnyway": "You can still add your account", "education": { "autoImport": "Transactions import automatically", "dailyBalance": "Balance updates daily", "secureReadOnly": "Secure & read-only (we never see your password)", "bankLimitation": "Note: Most banks only share checking accounts. Savings and investment accounts usually need to be added manually.", "manualBestFor": "Best for accounts that banks don't share automatically:", "savingsAccounts": "Savings", "investmentAccounts": "Investments", "jointAccounts": "Joint accounts", "checkingAccounts": "Checking", "notSharedByBanks": "Usually not shared by banks, added manually", "ibanHelp": "With your IBAN, we can automatically detect transfers to and from this account.", "ibanHelpAsset": "Use the account you transfer money to when you pay into it. For an insurance or pension product that's the provider's account, not your policy number. We'll then match your payments to this holding automatically.", "ibanLocation": "Find it on your bank card or statements", "accountNameHelp": "This is just for you, call it whatever makes sense to you.", "assetNameHelp": "Give it a name you'll recognize, e.g., your house address or car model.", "forecastNameHelp": "Name this forecast so you can find it easily, e.g., dividends, bonus, or side income.", "bankOrProviderHelp": "The bank, broker, or company that manages this account.", "providerOptionalHelp": "For pension funds, meal vouchers, etc. Leave empty for cash.", "currencyHelp": "Choose the currency this account holds. Use EUR for most European accounts.", "whatHappensNext": "What happens next", "weImportTransactions": "We'll import your transactions automatically", "secureConnection": "Secure connection", "secureConnectionDesc": "We use bank-level encryption. We can only read your transactions, never make payments or changes.", "notAllAccounts": "You might not see all your accounts", "bankTypicallyShares": "Banks typically only share:", "canAddManually": "Don't worry, you can easily add missing accounts manually afterwards!", "recommendCurrentFirst": "Tip: Start with your current account, it syncs automatically. You can add savings accounts afterwards.", "investmentNameHelp": "Give it a name you'll recognize, e.g., the broker name or type of account." }, "brandOf": { "title": "{{brand}} is part of {{bank}}", "body": "So the next page is {{bank}}'s. That's the right place: sign in with the details you use in the {{brand}} app." }, "linkSteps": { "step1": "You'll be redirected to {{bank}}", "step2": "At {{bank}}, tick the box next to every account you want to share, joint accounts too", "reselectTitle": "Important: select all your accounts", "reselectWarning": "During authorization, make sure to select all your accounts again, including the ones already connected. Any account you don't select will lose access." }, "review": { "name": "Name", "type": "Type", "owner": "Owner", "bank": "Bank", "iban": "IBAN" }, "buttons": { "back": "Back", "cancel": "Cancel", "next": "Next", "creating": "Creating...", "createAccount": "Create Account", "createAsset": "Create holding", "connecting": "Connecting...", "connectToBank": "Connect to Bank" }, "toast": { "accountCreated": "Account added", "accountCreated_cash": "Wallet added", "accountCreated_card": "Card added", "accountCreated_loan": "Loan added", "accountCreated_forecast": "Forecast added", "accountCreated_holding": "Holding added", "failedCreate": "Couldn't add that. Try again.", "accountCreatedWithoutBalance": "Account added, but its balance wasn't saved", "accountCreatedWithoutBalance_cash": "Wallet added, but its amount wasn't saved", "accountCreatedWithoutBalance_card": "Card added, but its balance wasn't saved", "accountCreatedWithoutBalance_loan": "Loan added, but the amount owed wasn't saved", "accountCreatedWithoutBalance_holding": "Holding added, but its value wasn't saved", "failedConnect": "The connection couldn't be started. Please try again.", "atCapacity": "Bank connections are busy right now. Please try again shortly.", "limitReached": "Your plan includes {{max}} bank connections. Upgrade to add more.", "limitReachedGeneric": "Your plan's bank connection limit is reached. Upgrade to add more." }, "atCapacityBanner": { "title": "Bank sync isn't available right now", "description": "No worries, add your accounts manually for now, and try bank sync again a little later." }, "bankNotListed": "My bank isn't listed", "countryNotListed": "My country isn't listed", "skipBankSelection": "Continue without selecting a bank", "brokers": "Brokers", "providerPicker": { "search": "Search", "notListed": "Not in the list", "typeName": "Name", "backToList": "Back to the list" } }, "detail": { "reconnectionSuccess": "Account successfully reconnected! Access renewed for 180 days.", "linkingSuccess": "Account successfully linked to bank! Automatic syncing is now enabled.", "notFound": "Account not found", "notFoundDescription": "The account you're looking for doesn't exist.", "editTitle": "Edit account", "editTitle_holding": "Edit holding", "editTitle_cash": "Edit wallet", "editTitle_card": "Edit card", "editTitle_loan": "Edit loan", "latestBalance": "Latest balance", "latestValue": "Latest value", "latestCashBalance": "Latest cash balance", "balanceOn": "Balance on {{date}}", "updateBalance": "Update balance", "editBalanceTitle": "Balance today", "editCashTitle": "Cash today", "editValueTitle": "Value today", "editSellTitle": "What would it sell for today?", "editSuccess": "Changes saved", "detailsTitle": "Account details", "detailsTitle_cash": "Wallet details", "detailsTitle_card": "Card details", "detailsTitle_loan": "Loan details", "backToAccounts": "Back to Accounts", "closed": "Archived", "manual": "Manual", "connected": "Connected", "expiringSoon": "Expiring Soon", "expired": "Expired", "tabs": { "details": "Details", "activity": "Activity" }, "bankConnection": { "title": "Bank Connection", "reconnectExplain": "This account was previously connected to {{bank}}. Reconnect to get your transactions flowing again.", "linkExplain": "Link this account to your bank and we'll take care of the rest.", "benefit1": "Transactions imported automatically, no manual entry", "benefit2": "Balances stay up to date throughout the day", "benefit3": "Spending insights and reports work out of the box", "manualExplain": "Unfortunately, banks don't allow us to import transactions for this type of account. When you make a transaction, you'll need to add it here yourself.", "reconnectButton": "Reconnect to Bank", "linkButton": "Link to Bank", "resubscribeButton": "Resubscribe" }, "actions": { "title": "Account Actions", "title_holding": "Holding actions", "title_loan": "Manage this loan", "title_cash": "Manage this wallet", "title_card": "Manage this card", "reopenAccount": "Restore Account", "reopenAccount_holding": "Restore holding", "reopenAccount_cash": "Restore wallet", "reopenAccount_card": "Restore card", "reopenAccount_loan": "Restore loan", "closedOn": "Archived {{date}}", "closeAccount": "Archive Account", "closeAccount_holding": "Archive holding", "closeAccount_loan": "File it away", "closeAccount_cash": "Archive wallet", "closeAccount_card": "Archive card", "delete": "Delete", "delete_holding": "Delete holding" }, "archiveExplain": { "hides": "Hidden from active accounts", "preserved": "All transaction history kept", "reversible": "Can be restored anytime", "reversible_holding": "Hidden from active holdings, restore anytime" }, "deleteExplain": { "permanent": "Permanently removed", "permanent_holding": "Permanently removed, can't be undone", "dataLost": "Cannot recover any data", "irreversible": "This action is irreversible", "blockedNotManual": "Only an account you keep yourself can be deleted. A bank account is archived instead.", "blockedNotManual_holding": "Delete removes a holding you added by mistake. To let go of one you really owned, archive it instead." }, "connection": { "never": "Never", "bank": "Bank", "title": "Connection", "autoSyncing": "Auto-syncing", "lastSynced": "Last synced", "expires": "Access expires", "missingExpiry": "Missing expiry information - reconnect to refresh access" }, "connectionStatus": { "otherHolderExplain": "This bank connection was made from another login in your household. Only that login can renew it at the bank; the account keeps its history either way.", "expiredExplain": "Your bank stopped sharing transactions with us. Reconnect to resume automatic imports.", "expiringExplain": "Your bank access expires in {{days}} days. After that, we can no longer receive your transactions.", "healthyExplain": "We receive your transactions automatically from {{bank}} and process them for you.", "healthyDetail": "Last synced {{synced}} · You'll need to refresh access in about {{expires}}", "reconnectTitle": "Reconnect to Bank", "reconnectBullet3": "Takes less than a minute", "switchToManualTitle": "Switch to Manual", "switchToManualBullet1": "Automatic syncing will stop", "switchToManualBullet2": "You'll add transactions yourself", "switchToManualBullet3": "You can reconnect anytime later", "switchToManualButton": "Switch to Manual" }, "errors": { "alreadyArchived": "This account is already archived.", "balanceNotZero": "Balance must be zero to archive. Current balance: {{balance}}", "cannotClose": "This can't be archived yet", "cannotDeleteWithTransactions": "Cannot delete account with transactions", "archiveFailed": "Couldn't archive that. Try again.", "restoreFailed": "Couldn't restore that. Try again.", "deleteFailed": "Couldn't delete that. Try again.", "switchToManualFailed": "Couldn't switch it to manual. Try again." }, "success": { "accountClosed": "Account archived successfully", "accountClosed_holding": "Holding archived", "accountClosed_cash": "Wallet archived", "accountClosed_card": "Card archived", "accountClosed_loan": "Loan filed away", "accountReopened": "Account restored successfully", "accountReopened_holding": "Holding restored", "accountReopened_cash": "Wallet restored", "accountReopened_card": "Card restored", "accountReopened_loan": "Loan restored" }, "confirmDialog": { "closeTitle": "Archive \"{{name}}\"?", "reopenTitle": "Restore \"{{name}}\"?", "deleteTitle": "Delete \"{{name}}\"?", "deleteMessage": "This will permanently delete the account. This action cannot be undone.", "deleteMessage_holding": "This permanently deletes the holding and can't be undone.", "deleteMessage_cash": "This permanently deletes the wallet and can't be undone.", "deleteMessage_card": "This permanently deletes the card and can't be undone.", "deleteMessage_loan": "This permanently deletes the loan and can't be undone.", "deleteMessageCounts": "{{transactions}} transactions will be removed, and {{transfers}} transfers in other accounts go back to review. This cannot be undone.", "deleteMessageCountsSimple": "{{transactions}} transactions will be removed. This cannot be undone.", "closeButton": "Archive Account", "closeButton_holding": "Archive holding", "closeButton_cash": "Archive wallet", "closeButton_card": "Archive card", "closeButton_loan": "File it away", "reopenButton": "Restore", "reopenButton_holding": "Restore holding", "deleteButton": "Delete", "deleteButton_holding": "Delete holding" }, "header": { "syncing": "Syncing...", "reconnectNow": "Reconnect now" }, "savingsProduct": { "title": "Which account is this?", "ctaSubtitle": "Pick it from your bank's list — its rates, payment dates and tax follow.", "banksTitle": "Which bank?", "searchBanks": "Search banks", "bankNotListed": "My bank isn't listed", "anotherBank": "Another bank", "other": "Not in the list", "otherHint": "Enter the rate yourself", "basePlusPremium": "{{base}} + {{fidelity}} bonus", "upTo": "up to {{rate}}", "maxMonthly": "max {{amount}} a month", "maxBalance": "up to {{amount}} in total", "audience": { "youth": "for young savers", "business": "for business use" }, "closed": "no longer sold", "paysInPoints": "pays RevPoints, not euros", "pointsExplained": "This pocket pays RevPoints instead of interest — 0% in euros. What the points are worth depends on how you spend them.", "intro": { "forMonths": "{{rate}} for {{months}} months", "until": "{{rate}} until {{date}}", "capped": "{{rate}} on up to {{amount}}", "then": "{{first}}, then {{after}}" }, "requiresSalary": "needs your salary paid in", "newClientsOnly": "new clients only", "hint": { "interest": "Matches the interest you received", "name": "Matches this account's name", "monthlyCap": "Not this one — this account took more than {{amount}} in a month", "balanceCap": "Not this one — this account held more than {{amount}}", "alreadyHave": "You already have one: {{name}}" }, "saveFailed": "Couldn't save. Try again.", "tax": { "esWithheld": "{{rate}} kept by the bank, the rest in your tax return", "esDeclare": "You declare it ({{from}}–{{to}})", "withheld": "{{rate}} kept by the bank", "declare": "You declare it ({{rate}})", "allowance": "Tax-free up to {{amount}} a year, then {{rate}}", "elsewhere": "Depends on where you pay tax", "withheldAbroad": "{{rate}} kept by the bank, taxed again in {{country}}", "declareMixed": "Each of you declares your own part", "withheldSince": "{{rate}} kept by the bank since {{date}}" } }, "interestRates": { "title": "Interest", "paidOn": "Paid on {{date}}", "wizard": { "reviewTitle": "Does this look right?", "reviewMeta": "From {{date}} · {{frequency}}", "reviewEarn": "You'll earn ~{{amount}} per year", "reviewDeltaUp": "{{amount}} more per year than before", "reviewDeltaDown": "{{amount}} less per year than before" }, "loading": "Loading interest rates…", "projection": { "capNear": "You're near your {{cap}} rate cap.", "capOver": "Balance above {{cap}} may earn a lower rate." }, "addRate": "Add rate", "currentBadge": "Current", "editAria": "Edit rate", "deleteAria": "Delete rate", "fromTo": "{{from}} - {{to}}", "fromToCurrent": "{{from}} - now", "tierFrom": "From {{from}}", "tierUpTo": "Up to {{to}}", "tenureMinMonths": "On money that stays {{months}} months in a row", "manage": { "historyOnly": "No current rate, open Advanced & history to add one or review past rates." }, "list": { "empty": "No rates yet. Add the rate this account earns.", "backToList": "Back to rates", "historyTitle": "Rate history" }, "form": { "rateLabel": "What's the rate?", "increaseRate": "Increase rate", "decreaseRate": "Decrease rate", "rateDeltaUp": "{{delta}} higher than {{current}}", "rateDeltaDown": "{{delta}} lower than {{current}}", "frequencyLabel": "How often is it paid out?", "loyaltyLabel": "Bonus", "addLoyalty": "Add a bonus", "removeLoyaltyAria": "Remove bonus", "effectiveFromLabel": "Since when does this rate apply?", "whenUnsure": "Not sure? Pick Today.", "keepsHistory": "We'll keep the previous rate ({{rate}}) in your history.", "advancedLink": "Advanced & history", "impliedSuggestion": "Looks like about {{rate}}, use it?" }, "editor": { "addTitle": "Add rate", "editTitle": "Edit rate" }, "sectionCta": { "title": "Set up this account's interest", "subtitle": "Enter its rate and when it's paid." }, "quickDates": { "today": "Today", "yearStart": "Jan 1" }, "rateType": { "base": "Base interest", "fidelity": "Bonus" }, "payoutFrequency": { "daily": "Daily", "weekly": "Weekly", "monthly": "Monthly", "quarterly": "Every 3 months", "yearly": "Yearly", "on_withdrawal": "On withdrawal", "custom": "Custom date" }, "fields": { "validFrom": "Valid from", "endLabel": "When does this rate end?", "endCurrent": "It's still active", "endDate": "On a specific date", "rate": "Annual rate", "tierLabel": "Does this rate apply to all the money on this account?", "tierAnyLabel": "Yes, to all of it", "tierRangeLabel": "Only to a portion", "tierMin": "Minimum", "tierMax": "Maximum", "payoutFrequency": "How often is interest paid?", "payoutFrequencyNone": "Not specified", "cohortMonths": "Months before it's earned", "monthsUnit": "months" }, "errors": { "validFromRequired": "Start date is required.", "rateRequired": "Rate is required.", "validToBeforeFrom": "End date cannot be before start date.", "tierMaxBeforeMin": "Maximum balance cannot be less than minimum balance.", "anchorRequired": "Payout date is required for this frequency.", "anchorFormat": "Payout date must be in MM-DD format (e.g. 01-01).", "cohortMonthsRequired": "Tenure must be a non-negative number.", "saveFailed": "Failed to save interest rate." }, "confirmDelete": { "title": "Delete this rate?", "message": "This rate row will be removed. This won't affect any interest already accrued.", "button": "Delete" }, "whenPaid": { "title": "When you'll get paid" } }, "interestExplained": { "howItWorks": "How interest works", "theBank": "The bank", "partBase": "Base interest", "partBonus": "Loyalty bonus", "bonusSlice": "{{amount}} since {{from}}", "matches": "We checked this against your deposits. It's right.", "title": { "period": "Interest for {{period}}", "day": "Daily interest", "baseAndBonus": "Interest for {{year}} + loyalty bonus", "bonusOn": "Loyalty bonus on {{amount}}", "bonus": "Loyalty bonus" }, "matchesClose": "We checked this against your deposits. It's right, give or take a few cents.", "period": "{{from}} – {{to}} · {{balance}}", "periodDay": "{{from}} · {{balance}}", "periodAssumed": "{{from}} – {{to}} · {{balance}}, if it stays", "howCounted": "How {{bank}} counts it", "rows": { "lands": "Lands on your account", "over": "Earned over", "perDay": "Per day", "perDayValue": "{{perDay}} × {{days}} days", "beforeTax": "Before tax", "taxKept": "Tax kept by the bank ({{rate}})", "basedOn": "Based on", "basedOnValue": "Today's balance and rate", "dayBefore": "The day before", "rate": "Rate", "rateValue": "{{rate}} a year", "bonusRate": "Bonus rate", "bonusRateValue": "{{rate}} extra", "on": "On", "onValue": "{{amount}}, here since {{since}}", "why": "Why", "quietWhy": "No money turned a year old in {{from}} – {{to}}", "keepLabel": "Keep {{amount}} here until", "keepValue_one": "{{until}} · {{count}} month to go", "keepValue_other": "{{until}} · {{count}} months to go", "keepAboutValue_one": "About {{until}} · {{count}} month to go", "keepAboutValue_other": "About {{until}} · {{count}} months to go", "takeOut": "Taking out {{per}} today costs", "baseOnJanuary": "On 1 January", "restBonus": "Bonus on the rest" } }, "interestYear": { "math": { "gross": "What your money earned", "taxKept": "− Tax the bank kept", "taxOwed": "− Tax you still owe", "toYou": "= Yours to keep", "missing": "Not entered yet", "missingCount_one": "{{count}} payment", "missingCount_other": "{{count}} payments" }, "headerReceived": "{{amount}} interest", "headerKept": "{{amount}} interest after tax", "missing_one": "{{count}} not entered", "missing_other": "{{count}} not entered" }, "interestSheet": { "facts": { "interest": "Interest", "rate": "{{rate}} a year", "paidLabel": "Paid", "paid": { "daily": "Every day", "weekly": "Every week", "monthly": "Every month", "quarterly": "Every three months", "yearly": "Once a year", "on_withdrawal": "When you take money out", "regulated": "Base on 1 January, bonus the quarter after" }, "tax": "Tax", "account": "Account", "checked": "Rates checked", "accountGuess": "Account (our guess)" }, "pickAccount": "Pick it from your bank's list", "changeRate": "Change the rate" }, "loadingActivity": "Loading activity…", "savingsSwitch": { "title": "{{bank}}'s {{product}} would give you about {{amount}} more a year", "subtitle": "Same bank · after tax", "sheetTitle": "Move to {{product}}?", "stays": "Now, in {{product}}", "moved": "In {{product}}", "perYear": "{{amount}} a year", "afterTax": "What you'd keep over the next year, after tax, if the money stays.", "bonusNeedsYear": "The {{rate}} bonus only comes on money that stays a whole year.", "keepsClock": "Moving it within {{bank}} keeps the months your money has already counted: move at least {{min}} at a time, and at most {{count}} times a year.", "checked": "{{bank}}'s rates on {{date}}.", "gain": "+{{amount}} a year", "movedPart": "{{amount}} in {{product}}", "more": "= More for you each year" }, "savingsHero": { "rateWithBonus": "{{base}} + {{bonus}} bonus", "nextPayment": "Next payment", "nextCaption": "{{date}} · {{when}}", "sheetTitle": "{{product}} at {{bank}}", "inTime": "in {{time}}" }, "statement": { "linked": { "title": "Older history", "cta": "Add older history", "ctaSubtitle_one": "Banks share about three months. Send a statement and we'll add the rest, usually within a day.", "ctaSubtitle_other": "Banks share about three months. Send a statement and we'll add the rest, usually within {{count}} days." }, "manual": { "title": "Statements", "cta": "Add transactions from a statement", "ctaSubtitle_one": "Send a PDF or export of this account and we'll add the transactions, usually within a day.", "ctaSubtitle_other": "Send a PDF or export of this account and we'll add the transactions, usually within {{count}} days." }, "received": { "title": "Statement received", "subtitle": "Sent {{sent}}. Usually in by {{by}}." }, "withdraw": "Withdraw", "withdrawn": "Statement withdrawn and deleted.", "withdrawFailed": "Couldn't withdraw the statement. Please try again.", "withdrawConfirm": { "title": "Withdraw this statement?", "message": "We'll delete the file and won't add anything from it." } } }, "reconnectPage": { "reconnectionFailed": "Reconnection Failed", "backToAccounts": "← Back to Accounts", "errors": { "notFound": "Account not found. Please go back to accounts page.", "notLinked": "This account has no bank information. Use \"Link to Bank\" to connect it to a bank for the first time." } }, "reconnectFlow": { "title": "Reconnect Accounts", "loading": { "title": "Checking your bank connection", "subtitle": "This only takes a moment..." }, "error": { "tryAgain": "Try Again", "backToAccounts": "Back to Accounts" }, "steps": { "account": "Account {{n}}", "review": "Review", "done": "Done" }, "matching": { "accountOf": "Account {{current}} of {{total}}", "subtitle": "Match each account your bank shared with the account it replaces here.", "autoMatchTitle": "Automatic match found", "autoMatchBody": "Will reconnect to: {{name}}", "manualLabel": "Link to an existing account", "or": "or", "createNew": "Add as a new account", "createNewHint": "Adds a separate account. It will need its own bank connection to keep syncing.", "currency": "Currency: {{currency}}" }, "review": { "subtitle": "Check your selections before confirming", "reconnectTo": "Reconnect to: {{name}}", "createNew": "Create as new (not linked)", "unlinkedWarningTitle": "{{count}} account(s) will not be linked", "unlinkedWarningBody": "Go back and link them to existing accounts to keep everything connected.", "summaryLabel": "Summary", "willReconnect": "{{count}} account(s) will be reconnected", "willCreate": "{{count}} account(s) not linked", "accessValid": "Access valid for 180 days", "confirm": "Confirm & Reconnect" }, "orphaned": { "title": "Not included in this reconnection", "warningTitle": "This account will stop updating automatically", "warningZeroBalance": "Your bank didn't share this account this time. You may have skipped it on the bank's selection screen. Its balance is zero, so it can usually be closed.", "warningBalance": "Your bank didn't share this account this time. You may have skipped it on the bank's selection screen. It still has a balance of {{amount}}.", "balance": "Balance:", "question": "What would you like to do with it?", "close": "Close this account", "closeDesc": "Its history stays available under closed accounts.", "convert": "Keep it as a manual account", "convertDesc": "It stays in your overview and you update it yourself. You can reconnect it later.", "skip": "Decide later", "skipDesc": "It keeps showing as needing attention until you choose." }, "done": { "title": "All Done!", "subtitle": "Your accounts are reconnected" }, "buttons": { "back": "Back", "next": "Next", "review": "Review", "cancel": "Cancel", "processing": "Processing..." } }, "addPage": { "pageTitle": "Add an account" }, "addFlow": { "steps": { "bank": { "pick": "Choose bank", "connect": "Connect", "import": "Import", "done": "Done" }, "manual": { "bank": "Bank", "bankTitle": "Which bank or broker?", "iban": "IBAN", "ibanTitle": "What's the IBAN?", "type": "Type", "owner": "Owner", "product": "Product", "name": "Name", "held": "Where", "fund": "Fund", "heldTitle": "Which bank or insurer is it with?", "heldTitleInvestment": "Which bank or broker is it with?", "nameTitle": "Name your {{noun}}", "balance": "Balance", "balanceTitle": "How much is in it?", "owedTitle": "How much do you owe?", "cashTitle": "How much cash?", "uninvestedTitle": "Any cash waiting to be invested?", "valueTitle": "What's it worth?", "owned": "Since when", "keys": "Keys", "ownedTitle": "When did you get it?", "keysTitle": "Do you have the keys yet?", "keysSinceTitle": "When did you sign at the notary?", "keysLaterTitle": "When do you get the keys?", "drawnTitle": "When did the money come through?", "ownedSubtitle": "A rough month is fine. It keeps this out of the months before you had it.", "ownedSubtitleHolding": "A rough month is fine.", "done": "Done", "paidFor": "Paid for", "loanTerms": "Rate & end", "papers": "Documents", "growth": "How it grows" } }, "pick": { "title": "Add an account" }, "link": { "title": "Link {{name}} to a bank", "subtitle": "Pick the bank for this account to import its transactions automatically.", "notListedHint": "Don't see your bank? It can't be linked automatically, this account stays manual." }, "confirm": { "title": "Connect securely" }, "connected": { "title": "Add to {{bank}}", "heldHere": "At {{bank}}", "justAdded": "Just added", "addSavings": "Add a savings account", "addSavingsHint": "Banks rarely share these, so add one in seconds with the IBAN.", "addAnotherSavings": "Add another savings account", "addInvestment": "Add an investment account", "addInvestmentHint": "Banks rarely share these, so add one in seconds with the IBAN.", "addAnotherInvestment": "Add another investment account", "newLink": "New current account? Reconnect" }, "reauthCheck": { "title": "This won't add savings or investments", "body": "{{bank}} only re-shares your current account this way. Savings and investment accounts never appear automatically, so add those by IBAN instead. It's instant and needs no bank login.", "addByIban": "Add by IBAN instead", "proceed": "I opened a new current account. Re-authorize anyway." }, "createCta": "Add {{noun}}", "typeUnavailable": "We can't add a {{type}} in this workspace yet.", "holdingsHelp": "What do these mean?", "ownCompany": "A company you own", "ownCompanyDesc": "Its annual accounts, and what it pays out to you", "fundOrEtf": "A fund or ETF", "fundOrEtfDesc": "Also when it's at your bank. You add it under Investments", "done": { "title": "You've added your {{noun}}", "cta": "Take me to Briliza", "addAnother": "Add another account", "finishForNow": "Continue for now", "enteredAmount": "You entered {{amount}}", "changeAmount": "Not right? Change it", "addWhatsIn": "Add what's in it", "later": "Later", "sendStatement": "Send a statement" }, "keys": { "now": "Yes", "later": "Not yet, I've signed" }, "paidFor": { "title": "What did it pay for?", "other": "Something else", "saveFailed": "Couldn't link the loan. Try again." }, "loanTerms": { "title": "What rate do you pay, and when does it end?" }, "papers": { "hintHoldings": "Yearly statements, contracts or purchase documents", "hintInvestments": "Statements and buy or sell confirmations from your bank or broker", "hintLoans": "The credit agreement or the repayment schedule from your bank", "manual": "Fill it in yourself" }, "creditCard": { "whichCard": "Which card is it?", "detectedTitle": "{{bank}} credit card ··{{last4}}", "detectedTitleNoNumber": "{{bank}} credit card", "detectedDescription_one": "Paid from {{account}} · {{count}} bill", "detectedDescription_other": "Paid from {{account}} · {{count}} bills", "another": "Another card", "payingQuestion": "Which account pays it?", "billsQuestion": "Which of these are its bills?", "nameQuestion": "What do you call it?", "defaultName": "Credit card", "defaultNameAtBank": "{{bank}} credit card", "checkQuestion": "Ready to add it?", "moves_one": "{{count}} card bill ({{amount}}) since {{since}} moves onto this card.", "moves_other": "{{count}} card bills ({{amount}}) since {{since}} move onto this card.", "nothingToMove": "No bills to move yet. New ones move onto the card by themselves.", "skippedSplit_one": "{{count}} bill you split by hand stays where it is.", "skippedSplit_other": "{{count}} bills you split by hand stay where they are.", "checksHold": "Checked: your spending per month stays exactly the same, and nothing else in {{account}} changes.", "checksFail": "Something doesn't add up, so nothing will be changed. We'll look into it.", "checkFailed": "We couldn't check this right now. Nothing was changed, try again in a moment.", "create": "Add card", "failed": { "refused": "That didn't add up, so nothing was changed.", "busy": "This card is being updated. Try again in a moment.", "selfCheck": "Our final check didn't pass, so nothing was changed. We'll look into it.", "notYours": "You can't add a card to that account.", "other": "The card couldn't be saved. Nothing was changed." }, "rail": { "card": "Card", "paying": "Paid from", "bills": "Bills", "check": "Check" } } }, "intro": { "asset": "Add property or valuables", "safe": "Is this safe?", "expectationNote": "Your bank usually shares only your current account. You can add savings and investments by IBAN in a moment." }, "psd2": { "title": "Your money stays safe", "subtitle": "Connecting a bank is read-only and runs through a regulated open-banking provider.", "readOnly": { "title": "Read-only access", "body": "We can see your accounts and transactions to show them back to you. That is all we ever do." }, "noMove": { "title": "We can never move your money", "body": "The connection cannot make payments or transfers. Your bank stays in full control." }, "regulated": { "title": "Bank-grade and regulated", "body": "The secure link is handled by GoCardless, a licensed open-banking provider." }, "scopeNote": "Heads up: banks usually share only your current account. Savings and investments often stay hidden, but you can add those in seconds with just the IBAN." }, "automatic": { "pageTitle": "Add Account", "processing": "Setting up your accounts...", "connectedTo": "Connected to {{bank}}", "bankConnected": "Bank Connected Successfully", "accountsFound": "Found {{count}} account(s)", "accountsConnected": "{{count}} account(s) connected", "syncingAccounts": "Syncing your accounts", "syncDescription": "We're importing your transactions. It only takes a moment, and it keeps running in the background if you leave.", "importing": "Importing…", "syncCompleteTitle": "You're all set!", "syncCompleteDescription": "Your accounts are connected and transactions have been imported. Head to your accounts to start exploring.", "goToAccounts": "Go to Accounts", "allAccountsLinkedTitle": "All accounts from this bank are now linked", "tryAgain": "Try Again", "startOver": "Start Over", "gapCheck": { "prompt": "Have a savings or investment account at this bank? It often stays hidden, but you can add it in seconds with just the IBAN.", "promptBank": "Have a savings or investment account at {{bank}}? It often stays hidden, but you can add it in seconds with just the IBAN." }, "noAccounts": { "title": "Your bank didn't share an account", "subtitle": "That's normal. Banks often only share your current account and keep savings and investments private. You can add those in seconds with just the IBAN.", "addManual": "Add an account manually", "tryAnotherBank": "Try another bank" }, "syncSteps": { "import": "Importing transactions", "classify": "Classifying transactions", "detect_transfers": "Detecting transfers", "fetch_balances": "Fetching balances", "classify_ai": "AI classification" }, "syncStatus": { "pending": "Waiting to start...", "failed": "Sync failed" }, "errors": { "REQUISITION_NOT_LINKED": "Bank authorization wasn't completed. Please try again.", "NETWORK_ERROR": "Network error. Please check your connection and try again.", "GOCARDLESS_ERROR": "We couldn't reach the bank service just now. Please try again in a moment.", "INSTITUTION_MISMATCH": "That's a different bank. Please reconnect using the same bank as before.", "UNEXPECTED_ERROR": "Something went wrong on our end. Please try again later.", "TIMEOUT": "Sync is taking longer than expected. Check status on the Accounts page." }, "retrySync": "Retry Sync", "retryFailed": "Failed to retry sync", "linkingWarningTitle": "Account not automatically linked", "unknownAccount": "Unknown Account", "transactionsImported": "{{count}} transactions", "transfersDetected": "{{count}} transfers", "someSyncsFailed": "{{count}} account(s) failed to sync", "syncFailedDescription": "You can retry failed syncs above, or check the Accounts page later.", "syncTakingLonger": "Sync is taking longer than expected", "syncTakingLongerDescription": "Your accounts are still syncing in the background. You can close this page and check the Accounts page later.", "selectAccountToLink": "Select Account to Link", "selectAccountToLinkDescription": "We couldn't automatically match your account \"{{accountName}}\". Please select which bank account to link.", "linkingTo": "Linking to", "selectBankAccount": "Select bank account:", "skipLinking": "Don't link - keep as separate accounts", "skipLinkingDescription": "Your manual account will remain unchanged, and new bank accounts will be created", "continueWithoutLinking": "Continue Without Linking", "linkSelectedAccount": "Link Selected Account", "linkingFailed": "Failed to link account. Please try again.", "addAnotherTitle": "Have another bank account?", "addAnotherDescription": "Connect it now to see all your finances in one place.", "addAnotherBank": "Add another bank", "nicknameLabel": "Account name", "nicknamePlaceholder": "Give this account a name", "nameAccountsHint": "Give each one a name you'll recognize." }, "bankAuth": { "notFinished": { "yourBank": "Your bank", "tryAgain": "Try again", "chooseAnother": "Choose another bank", "incomplete": { "title": "Almost connected", "body": "The connection stopped during the login at {{bank}}, so nothing was shared yet. That step runs on {{bank}}'s side, not in {{app}}." }, "expired": { "title": "The link expired", "body": "The request expired before it was completed. These links are only valid for a few minutes, a limit set by the connection service, not by {{app}}. A new one can be started right away." }, "declined": { "title": "Connection not approved", "body": "{{bank}} didn't approve the connection. That is decided on {{bank}}'s side, usually because the login didn't go through. {{app}} has no part in that decision." }, "bankError": { "title": "A problem connecting to {{bank}}", "body": "The connection to {{bank}} failed with a technical error on the bank side of the link. Nothing went wrong in {{app}}. It usually clears up within a short while." }, "notStarted": { "title": "Not connected yet", "body": "The connection stopped on the consent page, before {{bank}} was reached, so nothing was shared. This happened outside {{app}}, in the secure link step handled by GoCardless." }, "unconfirmed": { "title": "One step left", "body": "{{bank}} approved the connection, but the final step, choosing which accounts to share, wasn't completed. That step runs outside {{app}}, on the GoCardless side." }, "cancelled": { "title": "Connection cancelled", "body": "The connection was cancelled on the consent page, so {{bank}} was never contacted and nothing was shared. Nothing went wrong in {{app}}. The option stays here whenever you want it." }, "serviceError": { "title": "A problem at the connection service", "body": "GoCardless, the service that links {{app}} to your bank, reported a problem. Nothing went wrong in {{app}}, and nothing on your side. It is usually brief." } } }, "reconnect": { "notFoundOrNotLinked": "Account not found or not a linked account", "failedToReconnect": "Failed to reconnect" }, "addBank": { "description": "This will enable automatic transaction import, saving you hours of time.", "linkingBanner": { "description": "After bank authorization, this account will be linked to the bank account matching its IBAN.", "title": "Linking: {{name}}" }, "title": "Connect Your Bank" }, "addManual": { "description": "Create a manually tracked account for cash, investments, or other holdings", "title": "Add Manual Account" }, "balanceHistory": { "empty": "No balance history yet.", "title": "Balance history" }, "syncLogs": { "empty": "No sync history yet.", "success": "Synced successfully", "failed": "Sync failed", "title": "Sync history" }, "nouns": { "account": "account", "cash": "wallet", "card": "card", "loan": "loan", "holding": "holding", "forecast": "forecast" } }, "assets": { "pageTitle": "Holdings", "sample": { "branch23": "Branch 23 fund", "pension": "Pension savings", "termDeposit": "Term deposit" }, "addPage": { "pageTitle": "Add a holding" }, "business": { "pageTitle": "Business", "groupTitle": "Companies", "nameLabel": "Business", "namePlaceholder": "Company name", "toComeOut": "Profit still to come to you", "fields": { "moneyIn": "Money that came in", "reachesYou": "You get", "stillReachesYou": "You still get", "reachedYou": "You got" }, "profitLine": "{{amount}} profit after tax", "toYou": "you get, after your tax", "reachedToYou": "you got, after your tax", "lossLine": "{{amount}} loss", "aheadCostsLine": "{{amount}} of costs expected", "door": { "title": "Your business", "stillToCome": "{{amount}} planned to come out, after tax" }, "capital": { "title": "Money you put in to start it", "link": "Link the money you put in to start it", "accountName": "{{business}} capital", "failed": "The capital account could not be made. Nothing changed, so you can try again." }, "perks": { "title": "What your company pays for you", "oneSoFar": "{{name}} · the company pays {{amount}} up to the end of {{year}}", "manySoFar": "{{count}} things · the company pays {{amount}} up to the end of {{year}}", "lessForYou": "less in your pocket", "yearRow": "In {{year}}, the company paid {{amount}}", "totalRow": "In total, the company paid {{amount}}", "lessAmount": "you get {{amount}} less", "whyLess": "Why {{less}} and not {{paid}}? The company pays less tax because it pays for these. If you paid for them yourself, the full {{paid}} would come out of your own pocket.", "manage": "Add or change what your company pays for you", "manageShort": "Change", "emptyTitle": "Add what your company pays for you", "emptyDescription": "Health insurance, a laptop: see how much less it leaves you", "sheetTitle": "Paid by your company", "explainer": "Nothing your company pays for you is free. The company pays a bit less tax on it, but the rest is money you never get.", "add": "Add something", "addTitle": "New", "editTitle": "Change", "deleteTitle": "Delete {{name}}?", "deleteMessage": "It is removed from what your company pays for you.", "nameLabel": "What is it?", "namePlaceholder": "Health insurance", "shapeLabel": "How often", "everyMonth": "Every month", "once": "Once", "amountMonthlyLabel": "Per month", "amountOnceLabel": "Price", "fromLabel": "From", "boughtLabel": "Bought in", "untilLabel": "Until", "untilHint": "Leave Until empty while the company still pays.", "onceLine": "{{amount}} once · {{month}}", "monthlySinceLine": "{{amount}} a month · since {{from}}", "monthlyUntilLine": "{{amount}} a month · {{from}} – {{until}}" }, "foundedLabel": "Founded on", "foundedHint": "It sets the first year you can look back to.", "paidOutNote": "{{amount}} of the profit after tax is not in the reserve, so it left the company.", "keptMoreNote": "The reserve grew {{amount}} more than the profit after tax. Worth checking the figures.", "overBookedNote": "{{amount}} more reached you with the business's label, or was paid for you, than the company booked as costs. Worth checking the label.", "saveFailed": "Your business could not be saved. Try again in a moment.", "emptyYear": { "description": "Four figures off the annual accounts: revenue, profit before tax, the tax and the reserves at year end.", "aheadDescription": "Only what the company will still cost. It comes out of earlier payouts." }, "math": { "revenue": "Money that came in", "costs": "− Costs, your salary included", "paidToYou": "− Your salary and extras", "paidForYou": "− Paid for you", "ownCosts": "− Other company costs", "profitBeforeTax": "= Profit before tax", "corpTax": "− Company tax", "kept": "= Profit after tax", "paidOutDuringYear": "− Already paid to you that year", "setAside": "− Kept for next year's costs", "payoutTax": "− Your tax on it", "youGet": "= What you get" }, "went": { "glance": "At a glance", "steps": "Step by step", "title": "Where the {{amount}} that came in went", "toYou": "Paid to you", "forYou": "Paid for you", "running": "Other company costs", "tax": "Tax", "setAside": "Kept for next year's costs", "salaryTaxHint": "The tax on your salary is counted in the other company costs.", "perkCost": "Because of {{name}}, you get {{amount}} less here.", "perkCostMany": "Because of what the company pays for you, you get {{amount}} less here." }, "story": { "fillIn": "Fill in {{year}}", "editFigures": "Change the figures for {{year}}", "steps": { "revenue": "What did the company invoice in {{year}}?", "profit": "What was the result before tax?", "tax": "What tax was assessed?", "reserve": "What are the reserves at the end of {{year}}?", "lossFrom": "Which payouts does the {{year}} loss come out of?", "costs": "What will the company still cost in {{year}}?" }, "rail": { "revenue": "Revenue", "profit": "Profit", "tax": "Tax", "reserve": "Reserves", "lossFrom": "Loss", "costs": "Costs" }, "running": { "costs": "costs, your pay included", "profit": "profit after tax" }, "result": { "profit": "Profit", "loss": "Loss" }, "reserve": { "hint": "Reserves plus profit carried forward, as printed on the balance sheet: what is left in the company that you haven't taken out. A payout already decided for an earlier year is no longer in it." }, "costs": { "hint": "The accountant, bank fees, closing the company down. No revenue: a year ahead hasn't earned any yet." } }, "details": { "title": "About this business", "labelLabel": "Label", "newLabel": "New label: {{name}}", "labelHint": "Put this label on everything the business pays you: salary, meal vouchers, forfaits, dividends. That is how this page knows what reached you." }, "payout": { "reachesYou": "paid to you in {{month}}", "reachesYouInParts": "paid to you in two parts", "paidOnce": "Paid in one go in {{month}}, and counted as income of the months that earned it.", "paidInParts": "Paid in two parts, each counted as income of the months that earned it.", "everyMonth": "With what the business already paid you, every month of {{year}} comes to {{amount}}.", "everySpreadMonth": "With what the business already paid you, every month it counts for comes to {{amount}}.", "skipHint": "Switch off a month the business didn't earn, like a sabbatical.", "partTitle": "Part {{part}}", "month": "Paid to you in", "taxRate": "Your tax on it", "presets": { "dividend": "Dividend 30%", "vvprbis": "VVPR-bis 15%", "liquidation": "Liquidation reserve 5%" }, "shareLabel": "Split", "shareValue": "{{first}} · {{second}}", "splitHint": "Take part out soon and the rest years later, for example as a liquidation reserve at a lower tax.", "splitInTwo": "Get it in two parts", "backToOne": "Get it all at once", "updating": "Updating your forecast…", "inForecast": "In your forecast", "monthTooEarly": "Pick {{month}} or later.", "arrival": { "due": "Did it arrive?", "question": "Did the {{amount}} payout of {{month}} arrive?", "none": "No {{business}} income has come in since {{month}} yet.", "noneHint": "Don't see it? Put the {{label}} label on the bank line.", "notYet": "Not yet, move it to {{month}}", "confirmTitle": "Is this the payout?", "confirmMessage": "Planned {{planned}}, arrived {{amount}}. It's spread over {{from}} to {{to}} as {{business}} income and replaces the planned payout.", "confirmLabel": "Yes, this is it", "failed": "This payout could not be recorded. Your planned payout is still there, so you can try again.", "busy": "Your forecast is still being updated. Try again in a moment." }, "failed": "Your forecast could not be updated. Nothing changed.", "retry": "Try again", "accountName": "{{business}} payouts", "noLabel": "Link a label to this business first. It is how this page knows what already reached you each month.", "linkLabel": "Choose a label", "noCategory": "Payouts are filed under Income › Business › Dividends, and that category is missing. Add it in your categories to plan payouts.", "description": "{{business}} payout {{year}} at {{rate}}%", "descriptionPart": "{{business}} payout {{year}} · {{part}} of {{count}} at {{rate}}%" }, "loss": { "payoutOf": "{{year}} payout", "noPayouts": "No earlier year has a payout still to come for this loss to come out of.", "uncovered": "{{amount}} of the loss is more than these payouts hold.", "comesOutOf": "paid from your {{years}} profit", "notTaken": "not paid from any profit yet", "fieldLabel": "Costs of {{year}}" } }, "addAsset": "Add holding", "totalValue": "Total value", "assetCount": "{{count}} holding", "assetCountPlural": "{{count}} holdings", "emptyState": { "title": "No holdings yet", "description": "Everything you own outside your bank accounts, like property, a car, a pension or valuables." }, "kinds": { "real_estate": "Real estate", "real_estateDesc": "A home, rental property or land", "pension": "Pension", "pensionDesc": "Saved for when you retire, with a tax advantage", "securities": "Savings & investments", "securitiesDesc": "Savings and investment insurance, bonds or cooperative shares you hold outside a broker", "vehicle": "Vehicles", "vehicleDesc": "A car, motorcycle or other vehicle", "valuables": "Valuables", "valuablesDesc": "Gold, jewelry, art or collectibles", "other": "Other", "otherDesc": "Anything else of value" }, "valueLabel": { "real_estate": "Property value", "vehicle": "Vehicle value", "valuables": "Estimated value" }, "valueHint": { "physical": "Your best estimate of what this holding is worth today. Not sure yet? Leave the amount empty: until you fill it in, the holding counts what you've paid in." }, "card": { "contributions_one": "{{count}} contribution since {{month}}", "contributions_other": "{{count}} contributions since {{month}}", "lastUpdated": "This is what it was worth on {{date}}", "paidOut": "Paid out on {{date}}" }, "kindPicker": { "label": "What kind of holding is this?" }, "detail": { "backToAssets": "Back to holdings", "addTransaction": "Add transaction", "settings": "Settings", "editDetails": "Edit details", "detailsTitle": "Holding details", "notaryDate": "Date at the notary", "notFound": "This holding couldn't be found", "tiles": { "putIn": "Put in" }, "actions": { "archiveBlockedByValue": "Selling isn't the same as archiving. If you no longer own this, set its value to 0 first, then archive it. Your history stays intact.", "disposed": "No longer yours", "disposedHint": "Sold it, gave it away or it's gone. Its value settles to zero and the proceeds stay in the account that received them.", "disposedCta": "It's gone", "disposedConfirmTitle": "Mark \"{{name}}\" as no longer yours?", "disposedConfirmMessage": "Its value settles to zero, so it stops counting in your net worth. The money you received stays where it landed, and the history stays. You can then archive it.", "disposedDone": "Settled to zero. You can archive it now.", "disposedFailed": "Could not settle this holding" }, "valuation": { "title": "Its value" }, "fund": { "title": "Valued by its fund", "statedLabel": "You state its value", "statedDesc": "Pick the fund it holds and the app works out its value every day from your deposits.", "pick": "Pick the fund", "followsLabel": "Follows a fund", "followsDesc": "{{units}} units × {{price}} (close of {{date}})", "pricePending": "The fund's prices are still coming in.", "view": "View fund", "question": "Which {{bank}} fund is it?", "otherOrUnsure": "Another fund, or not sure", "otherSearchHint": "Search all funds.", "otherLaterHint": "You can pick it later, in its settings.", "change": "Change", "linked": "This holding now follows its fund", "saveFailed": "Could not link the fund", "pickerTitle": "Which fund is in it?", "searchCatalog": "Search funds", "otherFund": "Another fund" }, "keysAhead": "Yours from {{month}}, worth {{worth}}.", "keysAheadPaid": "Yours from {{month}}, worth {{worth}}. Until then it counts the {{paid}} you've paid.", "yoursLater": "Yours later, worth {{worth}}.", "yoursLaterPaid": "Yours later, worth {{worth}}. Until then it counts the {{paid}} you've paid.", "typeLabel": "Type", "providerLabel": "Bank or insurer", "maturityLabel": "Maturity date" }, "property": { "parts": { "half": "Half" }, "hero": { "partOf": "{{part}} of a home worth about {{amount}}.", "whole": "A home worth about {{amount}}.", "partOf_holding": "{{part}} of a holding worth about {{amount}}.", "whole_holding": "A holding worth about {{amount}}." }, "about": { "nudge": "Tell us what part of {{name}} is yours and if there's a loan on it.", "nudgeCta": "Tell us" }, "worth": { "since": "You said {{amount}} in {{month}}. With prices rising {{rate}} a year, it may be worth about {{now}} now." }, "ask": { "what": { "title": "What do you own of the home?", "title_together": "What do you both own of the home?", "rail": "What you own", "full": "The whole property", "bare": "The property, but someone can live there for life", "bareTerm": "Bare ownership", "use": "The right to live there for life", "useTerm": "Usufruct, for life" }, "holder": { "rail": "Who lives there", "title_bare": "When was the person who may live there born?", "title_use": "When were you born?", "hint_bare": "The younger one, if two people may live there.", "hint_use": "The younger of you, if the right is for two.", "woman": "Woman", "man": "Man" }, "share": { "title": "Do you own the home alone?", "title_together": "Is the home all yours together?", "titleUse": "Is that right all yours?", "titleUse_together": "Is that right all yours together?", "rail": "Your part", "all": "Yes, all of it", "half": "Half", "other": "Another part" }, "loan": { "title": "Is there a loan on the home?", "rail": "Loan", "none": "No loan", "add": "Add the loan", "papersSent": "Papers sent", "owed": "{{amount}} still owed" }, "counts": { "rail": "How it counts", "title": "Which is closest to your situation?", "whole_bare": "Your net worth counts the full value of your part: {{amount}}.", "whole_use": "Your net worth counts the full value of the home: {{amount}}.", "age_bare_f": "Your net worth counts your share of the price: {{amount}}. Your share goes up as she gets older.", "age_bare_m": "Your net worth counts your share of the price: {{amount}}. Your share goes up as he gets older.", "age_bare": "Your net worth counts your share of the price: {{amount}}. Your share goes up as the person living there gets older.", "age_use": "Your net worth counts your share of the price: {{amount}}. Your share goes down as you get older.", "paid_bare": "Your net worth counts the {{amount}} you paid.", "paid_use": "Your net worth counts the {{amount}} you paid.", "nothing_bare": "For example, a home bought in your name for the inheritance. Your net worth counts nothing.", "nothing_use": "The right is still yours for life: you live there or rent it out and keep the rent. Pick this only if you'd rather not count it.", "ageAsk_bare": "We first ask when the person living there was born.", "ageAsk_use": "We first ask when you were born." } }, "facts": { "paid": "Paid", "own": { "full": { "unknown": "Full ownership", "all": "The home is all yours", "all_together": "The home is all yours together", "part": "{{part}} of the home is yours", "part_together": "{{part}} of the home is yours together", "all_holding": "The holding is all yours", "all_holding_together": "The holding is all yours together", "part_holding": "{{part}} of the holding is yours", "part_holding_together": "{{part}} of the holding is yours together" }, "bare": { "all": "The home is yours, but not the right to live there: someone else has that for life", "all_together": "The home is yours together, but not the right to live there: someone else has that for life", "part": "{{part}} of the home is yours, but not the right to live there: someone else has that for life", "part_together": "{{part}} of the home is yours together, but not the right to live there: someone else has that for life", "all_holding": "The holding is yours, but someone else gets what it brings in for life", "all_holding_together": "The holding is yours together, but someone else gets what it brings in for life", "part_holding": "{{part}} of the holding is yours, but someone else gets what it brings in for life", "part_holding_together": "{{part}} of the holding is yours together, but someone else gets what it brings in for life" }, "use": { "all": "You may live there for life", "all_together": "You both may live there for life", "part": "{{part}} of the right to live there for life is yours", "part_together": "{{part}} of the right to live there for life is yours together", "all_holding": "You get what the holding brings in for life", "all_holding_together": "You both get what the holding brings in for life", "part_holding": "{{part}} of the right to what the holding brings in for life is yours", "part_holding_together": "{{part}} of the right to what the holding brings in for life is yours together" } }, "loan": "Loan on the home", "loans": "{{count}} loans", "noLoan": "No loan on the home", "paidOff": "Paid off by {{month}}", "yoursToday": "Yours today", "yoursToday_together": "Yours together today", "loanBigger": "The loan is still bigger than your part", "loanBigger_together": "The loan is still bigger than your shared part", "bareMeansNoYear": "On the deed this is called bare ownership. When that right ends, your part is fully yours.", "useMeans": "On the deed this is called usufruct. The home itself belongs to someone else.", "rentPerMonth": "Rent per month", "journey": { "label": "From purchase to today", "labelBare": "From purchase to fully yours", "boughtWhole": "You bought the home", "boughtPart": "You bought your part of the home", "nowWhole": "What the home is worth now", "nowPart": "What your part is worth now", "paidOff": "Your loan is paid off", "later": "Later", "fullyYours": "The usufruct ends: your part is fully yours", "fullyYoursNote": "Based on what the home is worth today.", "boughtUse": "You bought the right to live there", "nowUse": "What your right is worth now", "basis": "Based on the value you gave on {{date}}.", "basisGrown": "Based on the value you gave on {{date}}, plus {{rate}} a year since.", "ofHomeBare": "Your part of a home worth about {{value}}, worth less because someone else may still live there.", "ofHomeUse": "The right to live in a home worth about {{value}}.", "ofHomePart": "{{part}} of a home worth about {{value}}.", "label_holding": "From the day the holding became yours to today", "labelBare_holding": "Until the holding is fully yours", "boughtWhole_holding": "The holding became yours", "boughtPart_holding": "Your part of the holding became yours", "boughtUse_holding": "The usufruct became yours", "nowWhole_holding": "What the holding is worth now", "fullyYoursNote_holding": "Based on what the holding is worth today.", "ofHomeBare_holding": "Your part of a holding worth about {{value}}, worth less because someone else still gets its interest and dividends.", "ofHomeUse_holding": "The right to the interest and dividends of a holding worth about {{value}}.", "ofHomePart_holding": "{{part}} of a holding worth about {{value}}." }, "qa": { "whatIsYours": "What is yours?", "loanUnit": "still to pay off", "noLoan": "No, there is no loan on the home.", "loanPapers": "The loan's papers are with us: we're adding the loan for you.", "use": { "howLong": { "q": "How long may you live there?", "a": "Your whole life. After you die, the home is fully the owner's: your heirs do not inherit your right.", "q_holding": "How long do you get the interest and dividends?", "a_holding": "Your whole life. After you die, the holding is fully the owner's: your heirs do not inherit your right." }, "rent": { "a": "Yes. As long as your right runs, you may live there yourself or rent the home out, and the rent is yours." }, "sell": { "q": "May you sell the home?", "a": "No, the home itself belongs to someone else. Selling the whole home can only be done together with the owner." }, "whoPays": { "q": "Who pays what?", "a": "You pay the property tax and the ordinary upkeep. For big works, such as a new roof, you and the owner work out together who pays what." }, "income": { "a": "You do, for your whole life. The holding itself belongs to someone else." } }, "full": { "whoPays": { "q": "Who pays what?", "a": "As the owner, you pay the property tax, the upkeep and the repairs." }, "rent": { "a": "Yes, as the owner you may rent the home out, and the rent is yours." }, "whoPaysShared": { "q": "Who pays what?", "a": "You share the costs with the other owners, each by their part: the property tax, the upkeep and the repairs. Unless you agreed otherwise." }, "sellShared": { "q": "May you sell the home?", "a": "Your own part you can sell. Selling the whole home can only be done together with the other owners." } }, "bare": { "whenYours": { "q": "When is your part fully yours?", "a": "When the person who may live there dies. Your part then becomes fully yours by itself: you don't have to buy anything.", "a_holding": "When the usufruct ends, usually when the person who holds it dies. Your part then becomes fully yours by itself: you don't have to buy anything." }, "live": { "q": "May you live there or rent it out?", "a": "No, not while the other person may live there. They may live there themselves or rent it out, and keep the rent." }, "sell": { "q": "May you sell your part?", "a": "Yes, you can sell or give away your part, even without the consent of whoever lives there. They may simply keep living there. Selling the whole home can only be done together." }, "whoPays": { "q": "Who pays what?", "a": "Whoever lives there pays the property tax and the ordinary upkeep. For big works, such as a new roof, you work out together who pays what." }, "income": { "a": "Whoever holds the usufruct, for as long as it lasts. They are yours once the holding is fully yours." } }, "rentQ": "May you rent the home out?", "incomeQ": "Who gets the interest and dividends?", "counts": { "q": "How does the home count in your net worth?", "q_holding": "How does the holding count in your net worth?", "a": { "paid_bare": "What you paid so far. It counts in full once the home is fully yours.", "paid_use": "What you paid so far.", "nothing_bare": "Left out until your part is fully yours.", "nothing_use": "Left out of your net worth.", "whole_bare": "The full value, as if the home were already fully yours.", "whole_use": "The full value, for as long as you may live there.", "age_bare_f": "What your part would sell for today, with her living there. It goes up as she gets older.", "age_bare_m": "What your part would sell for today, with him living there. It goes up as he gets older.", "age_bare": "What your part would sell for today, with someone living there. It goes up as they get older.", "age_use": "What your right to live there would sell for today. It goes down as you get older." }, "moves": { "BE": "Worked out with Belgium's official table, updated every July.", "ES": "Worked out with the Spanish legal rule." } }, "holder": { "q_bare": "Who may live there?", "q_use": "Whose right is it?", "born_bare_f": "She was born on {{date}} and is {{age}} now. Her age is what “by age” counts with.", "born_bare_m": "He was born on {{date}} and is {{age}} now. His age is what “by age” counts with.", "born_bare": "They were born on {{date}} and are {{age}} now. Their age is what “by age” counts with.", "born_use": "Yours. You were born on {{date}} and are {{age}} now. Your age is what “by age” counts with.", "year_bare": "Born in {{year}}. Add the exact date and “by age” counts to the day.", "year_use": "Yours, born in {{year}}. Add the exact date and “by age” counts to the day.", "none_bare": "You haven't told us yet. It only matters if you want the home to count by age.", "none_use": "You haven't told us yet. It only matters if you want the right to count by age." } }, "bareMeans_holding": "This is called bare ownership: you own the holding, but its interest and dividends belong to someone else, born in {{year}}.", "bareMeansNoYear_holding": "This is called bare ownership: you own the holding, but its interest and dividends belong to someone else.", "useMeans_holding": "This is called usufruct: the interest and dividends are yours for life, but the holding itself belongs to someone else." } }, "facts": { "at": "At {{name}}", "since": "Since {{month}}", "runsUntil": "Runs until {{month}}", "ended": "Ended in {{month}}", "investsIn": "Invests in {{name}}", "paidInUntil": "Nothing paid in since {{date}}", "paidInUntilBy": "{{name}} stopped paying in on {{date}}", "managedByWhy": "Your yearly statement comes from {{name}}. With questions you can go to {{name}}, or to the bank or broker you took out the contract through.", "joined": "In {{month}}, {{name}} started putting money aside for your pension", "contractSince": "Your contract has run since {{month}}", "paidInUntilWhy": "Nothing new has gone in since.", "atPensionLeft": "What the money in it now becomes by {{date}}, if you leave the money where it is.", "atPensionStaying": "Roughly what you get on {{date}}, if you keep working at {{name}} and the same keeps going in.", "askEmployer": "With questions about this plan, go to {{name}}'s HR department.", "paidBy": { "employer": "{{name}} pays money into it, next to your salary. You pay nothing yourself.", "employerPast": "{{name}} paid money into it, next to your salary. You paid nothing yourself.", "both": "{{name}} and you both pay money into it.", "bothPast": "{{name}} and you both paid money into it.", "holder": "You pay money into it yourself.", "holderPast": "You paid money into it yourself." }, "journey": "From start to retirement", "journeyMoments": { "joinedBy": "{{name}} started putting money aside for your pension", "joined": "Your contract started", "payingFor": "For {{duration}}, {{name}} paid money into it.", "payingForNow": "For {{duration}} now, {{name}} has paid money into it.", "payingForNoName": "For {{duration}}, money went into it.", "payingForNoNameNow": "For {{duration}} now, money has gone into it.", "leftBy": "{{name}} stopped paying in", "left": "The payments stopped", "sinceGrows": "Since then nothing new goes in, but the money keeps growing on its own.", "sinceStays": "Since then nothing new goes in. The money stays yours.", "nowWhen": "Today", "nowAt": "The money sits at {{name}}", "now": "The money stays yours", "untilPensionGrows": "The money will keep growing for {{duration}}, until your pension.", "untilPension": "{{duration}} more until your pension.", "payout": "You retire and get one payment of", "reserveNote": "We know this from your statement of {{date}}.", "payoutSoFar": "You retire. For what is in it now, you get one payment of", "moreDouble": "More than double what it is today.", "moreTimes": "More than {{n}} times what it is today.", "payoutStaying": "You retire. If you keep working at {{name}}, you get one payment of about", "payoutStayingNote": "An estimate from your statement: if you stay at {{name}} and the same keeps going in." }, "duration": { "months_one": "{{count}} month", "months_other": "{{count}} months", "years_one": "{{count}} year", "years_other": "{{count}} years" }, "managedBy": "{{name}} manages the money", "atPensionQuestion": "How much do you get at your pension?", "sections": { "about": "What is it?", "story": "How it went", "you": "What it means for you" }, "insurerChosen": "{{name}} is the insurer {{sponsor}} chose for this pension.", "calledOnPaper": "On your papers this is called: {{name}}.", "onMypension": "On mypension.be you can see each year how it stands.", "deathSheet": { "lead": "This is how it works if you die before you retire:", "howMuch": "How much do they get?", "howMuchGrows": "today, and more later: the amount grows with what is in it.", "howMuchFixed": "according to your latest statement.", "forWhom": "Who gets the money?", "forWhomAt": "Your beneficiaries, such as your partner, your children or your parents. {{name}} knows who they are for you.", "forWhomNoName": "Your beneficiaries, such as your partner, your children or your parents. Your insurer knows who they are for you.", "accident": "Do they get more after an accident?", "accidentYes": "Yes. If you die in an accident, an extra amount is added.", "accidentNo": "No. Some plans pay extra if you die in an accident; this plan doesn't.", "children": "Do your children also get an amount per month?", "childrenYes": "Yes. On top of the amount above, your children get something every month until a certain age.", "childrenNo": "No. Some plans pay children something every month until a certain age, on top of the amount above; this plan doesn't.", "after": "And if you die when you have already retired?", "afterText": "Then you have already received the money. If you get it per month, that stops when you die." }, "managedByWhyThere": "That is where you ask for your yearly statement and with questions about the contract.", "savingsJourney": { "start": "Your contract with {{name}} began", "startNoName": "Your contract began", "fundStart": "You started at {{name}}", "fundStartNoName": "You started", "paidIn": "Put in", "deposit": "Money was added", "takenOut": "Money was taken out", "costs": "Costs on the deposit", "value": "What the money was worth", "inYear": "In {{year}}", "since": "Since {{date}}", "noStatement": "No yearly statement for {{years}}", "guaranteedInterest": "Guaranteed interest", "profitShare": "Profit share", "rose": "The value rose", "fell": "The value fell", "roseIn": "{{when}} the value rose", "fellIn": "{{when}} the value fell", "withdrawn": "You took out", "payout": "You had the money paid out", "ends": "Your contract ends", "label": "From start to today", "labelClosed": "From start to payout" }, "managedByPast": "{{name}} managed the money", "askVia": "Your yearly statement comes from {{name}}. With questions you can go to {{via}}, who you took out the contract through, or to {{name}} itself.", "about": "about {{amount}}" }, "later": { "badge": "Not yours yet" }, "counts": { "line": { "nothing": "Not counted in your net worth.", "whole": "Counted in full in your net worth.", "paid": "Your net worth counts the {{paid}} you've paid.", "age": "Your net worth counts {{pct}} of that: what it would sell for today." }, "choice": { "whole_bare": "The home is mine, someone just lives there for now", "whole_bare_together": "The home is ours, someone just lives there for now", "whole_use": "It's my home, I live here", "whole_use_together": "It's our home, we live here", "age_bare": "What I'd get if the home were sold today", "age_bare_together": "What we'd get if the home were sold today", "age_use": "What I'd get if the home were sold today", "age_use_together": "What we'd get if the home were sold today", "paid_bare": "I count what I put into it", "paid_bare_together": "We count what we put into it", "paid_use": "I count what I paid", "paid_use_together": "We count what we paid", "nothing_bare": "My name is on it, but it isn't really mine", "nothing_bare_together": "Our names are on it, but it isn't really ours", "nothing_use": "Leave the home out of my numbers", "nothing_use_together": "Leave the home out of our numbers" }, "bar": { "counts": "Counts in your net worth", "caption": "{{counted}} of {{worth}} counts" }, "badge": "Not counted" } }, "holdings": { "products": { "bond": { "label": "Bond", "desc": "A government or corporate bond", "ibanHelp": "Enter the account you transfer money to when you subscribe. That's the account you pay the issuer or broker, not the bond's ISIN. We'll then match your payments to this holding automatically.", "valueHint": "What the bond is worth today. Set its maturity date below." }, "coop_share": { "label": "Cooperative shares", "desc": "Shares in a cooperative, like Cera or Ecopower", "ibanHelp": "Enter the account you transfer money to when you buy shares. That's the cooperative's account, not your member number. We'll then match your payments to this holding automatically.", "valueHint": "The value of your shares, from your latest statement." }, "real_estate": { "label": "Property" }, "vehicle": { "label": "Vehicle" }, "valuable": { "label": "Valuable" }, "other": { "label": "Something else", "desc": "Anything else of value you own" }, "guaranteed_insurance": { "label": "Guaranteed rate", "desc": "A guaranteed interest rate, plus a profit share in some years", "valueLabel": "Guaranteed value" }, "unit_linked_insurance": { "label": "Follows funds", "desc": "Its value moves with the funds it's invested in" }, "mixed_insurance": { "label": "A mix of both", "desc": "Part guaranteed, part in funds" }, "pension_fund": { "label": "A fund", "desc": "You buy units of a pension fund", "valueHint": "The value on your latest pension statement.", "ibanHelp": "Enter the account you transfer your contributions to. That's your provider's account, not your contract number. We'll then match your payments to this holding automatically." } }, "insurance": { "valueHint": "The value on your insurer's latest statement.", "ibanHelp": "Enter the account you transfer your premiums to. That's your insurer's account, not your policy number. We'll then match your payments to this holding automatically." }, "actions": { "document": { "title": "From a document", "desc": "A PDF or photo — we read it and fill in what happened." }, "buy": { "title": "Bought or added money", "desc": "Cash from an account went in.", "titlePhysical": "Bought it", "descPhysical": "Cash from an account paid for it." }, "sell": { "title": "Sold a piece", "desc": "Cash came back to an account.", "titlePhysical": "Sold it", "descPhysical": "Cash came back to an account." }, "dividend": { "title": "It paid a dividend", "desc": "A share of profit landed in an account." }, "interest": { "title": "It paid interest", "desc": "Interest landed in an account." }, "rent": { "title": "It paid rent", "desc": "Rent landed in an account." }, "revalue": { "title": "Update its value", "desc": "Set what it's worth today." }, "contribution": { "title": "External contribution", "desc": "Someone else added to it." } }, "badge": { "invested": "Invested", "sold": "Sold", "bought": "Bought", "dividend": "Dividend", "interest": "Interest", "rent": "Rent", "contribution": "Contribution", "released": "Released", "moved": "Moved" }, "display": { "boughtIn": "Invested in {{name}}", "bought": "Bought: {{name}}", "soldFrom": "Sold from {{name}}", "dividendFrom": "Dividend from {{name}}", "interestFrom": "Interest from {{name}}", "rentFrom": "Rent from {{name}}", "moveFrom": "From {{name}}", "moveTo": "To {{name}}", "externalContribution": "External contribution", "holdingMoves": "Holding moves", "releasedFrom": "Released from {{name}}" }, "picker": { "title": "What did this buy?", "sellTitle": "Which holding did you sell?", "incomeTitle": "Which holding is this from?", "company": "Company", "search": "Search your holdings", "empty": "No holdings yet. Add your first one", "forkTitle": "What happened?", "recording": "Recording…" }, "toast": { "bought": "Added to {{name}}", "sold": "Recorded, sold from {{name}}", "dividend": "Recorded, {{name}} paid a dividend", "interest": "Recorded, {{name}} paid interest", "rent": "Recorded, {{name}} paid rent", "payoutFailed": "Couldn't record the payout from {{name}}, nothing was saved" }, "moveWizard": { "chooseAction": "What happened to {{name}}?", "detailsTitle": "What are the details?", "matchTitle": "Which payment was it?", "fromAccount": "From which account?", "toAccount": "To which account?", "amount": "Amount", "valueAmount": "Value added in {{currency}}", "valueRemoved": "Value removed in {{currency}}", "date": "Date", "owner": "Whose money?", "noAccounts": "You have no account to move money from yet.", "crossCurrencyHint": "This account and this holding use different currencies, so tell us both amounts.", "submit": "Record", "valueTitle": "What was it worth?", "statedValue": "Value", "earlierValues": "Stated before", "saveValue": "Save value" }, "choices": { "be_pensioensparen": { "label": "Pension savings", "desc": "A yearly amount with a tax reduction, through a fund or an insurance", "what": "Money you set aside yourself each year for your pension, with a tax advantage.", "called": "This is called pension savings." }, "be_langetermijnsparen": { "label": "Long-term savings", "desc": "Through a life insurance, with a tax reduction", "what": "A life insurance you save into each year, with a tax advantage.", "called": "This is called long-term savings." }, "be_groepsverzekering": { "label": "Group insurance", "desc": "A supplementary pension your employer pays into", "what": "An extra pension through your work, on top of your state pension.", "whatAt": "An extra pension through your work at {{name}}, on top of your state pension.", "called": "This is called a group insurance." }, "be_vapz": { "label": "VAPZ", "desc": "A supplementary pension for the self-employed", "what": "An extra pension you build yourself as a self-employed person, on top of your state pension.", "called": "This is called a VAPZ: a supplementary pension for the self-employed." }, "be_ipt": { "label": "IPT", "desc": "A pension your company pays for you as its director", "what": "An extra pension your company builds for you as its director.", "called": "This is called an IPT: an individual pension commitment." }, "be_vapw": { "label": "VAPW", "desc": "A supplementary pension you build yourself as an employee", "what": "An extra pension you build yourself as an employee, through your salary.", "called": "This is called a VAPW: a supplementary pension for employees." }, "be_tak21": { "label": "Savings insurance (Tak 21)", "desc": "A guaranteed rate, no tax advantage", "what": "Saving with an insurer, which promises you a fixed rate.", "called": "This is called a savings insurance, or Branch 21." }, "be_tak23": { "label": "Investment insurance (Tak 23)", "desc": "Follows funds, no guarantee", "what": "Investing through an insurer: the value goes up and down with the funds.", "called": "This is called an investment insurance, or Branch 23." }, "be_tak44": { "label": "Tak 44", "what": "An insurance that partly saves at a fixed rate and partly invests in funds.", "called": "This is called Branch 44." }, "es_plan_pensiones": { "label": "Plan de pensiones", "desc": "A pension fund you pay into, deductible from your taxes", "what": "Money you set aside yourself for your pension, in a pension fund, with a tax advantage." }, "es_ppa": { "label": "PPA", "desc": "Like a pension plan, but an insurance with a guaranteed rate", "what": "A pension insurance with a fixed rate, with the same tax advantage as a plan de pensiones." }, "es_plan_empleo": { "label": "Plan de empleo", "desc": "A pension plan through your employer, or the simplified plan for the self-employed" }, "es_epsv": { "label": "EPSV", "desc": "The Basque Country’s pension plan", "what": "A Basque pension plan: you set money aside for your pension, with a tax advantage." }, "es_mutualidad": { "label": "Mutualidad", "desc": "Pension savings with a professional mutual", "what": "A pension plan with a professional mutual fund." }, "es_pias": { "label": "PIAS", "desc": "Saving with an insurer, tax-free gains if taken as an annuity after 5 years", "what": "Saving with an insurer for later, with a tax advantage." }, "es_sialp": { "label": "SIALP", "desc": "Long-term saving with an insurer, tax-free gains after 5 years", "what": "Long-term saving with an insurer, with a tax advantage." }, "es_seguro_ahorro": { "label": "Seguro de ahorro", "desc": "Savings insurance with a guaranteed rate" }, "es_unit_linked": { "label": "Unit linked", "desc": "Insurance that follows funds, no guarantee" } }, "choiceGroups": { "pension": "Pension", "saving": "Savings & investments", "other": "Something else" }, "growth": { "question": "How does it grow?", "unknown": "I don't know", "unknownDesc": "We'll read it from your yearly statement" }, "explain": { "questions": { "home": "Can you use the money sooner?", "leave": "What if you change jobs?", "death": "What if you die before you retire?", "leaveDone": "{{name}} no longer pays in. What now?", "leaveDoneNoName": "Nothing new goes in. What now?", "form": "Do you get the money in one go or per month?", "deathAny": "What if you die?", "when": "When do you get the money?", "risk": "Can it lose value?", "safe": "What if the insurer goes bankrupt?", "funds": "What are those funds?", "withdraw": "Can you take the money out?", "switch": "Can you move to another bank or insurer?", "skip": "Do you have to pay in every year?", "stopSelfEmployed": "What if you stop being self-employed?", "profit": "What is profit share?", "keepsRate": "Does the interest rate always stay the same?" }, "be_groepsverzekering": { "home": "No, you only get it when you retire. For a home it sometimes can come sooner: if your pension plan allows it, you take an advance to buy, build or renovate a home. If you sell that home, you pay the advance back.", "leave": "The money stays yours, even when your employer stops paying in. You can't have it paid out now: that only happens when you retire. Until then, you choose where it sits:", "death": "That depends on your contract. Your yearly statement says whether there is a death cover, and how much.", "deathAt": "That depends on your contract. Your yearly statement from {{provider}} says whether there is a death cover, and how much.", "leaveOptions": { "stay": "You leave the money where it is. If you do nothing, that is what happens.", "stayAt": "You leave the money at {{provider}}. If you do nothing, that is what happens.", "move": "You move the money to another pension plan, like your new employer's." }, "leaveDone": "The money stays yours. You can't have it paid out now: that only happens when you retire. Until then, you choose where it sits:", "form": "That is in the plan's rules, which you find on mypension.be or ask your employer or your insurer for. If you get it in one go, you can always ask to turn it into an amount per month: you then get that for as long as you live.", "formAt": "That is in the plan's rules, which you find on mypension.be or ask your employer or {{provider}} for. If you get it in one go, you can always ask to turn it into an amount per month: you then get that for as long as you live." }, "be_tak21": { "profit": "An extra on top of the guaranteed interest, when the insurer has good results. It is never certain in advance, and not every contract gives it. Once you get it, it is yours: the insurer cannot take it back.", "withdraw": "Yes, you can have the money paid out at any time. The insurer may charge for it, but the law caps that: at most 5%, or a small fixed amount if that is higher. Whether you can take out only part is in your contract.", "safe": "If a Belgian insurer goes bankrupt, the Guarantee Fund pays you back up to €100,000 per person per insurer. All your Branch 21 contracts with the same insurer count together.", "death": "What is paid out then is in your contract. Who gets it, you choose: your beneficiaries. If no one is named, it goes to your heirs.", "keepsRate": "Each deposit keeps the rate that applied on the day you made it. For new deposits the insurer can give a different rate. How long the rate on your deposits stays guaranteed is in your contract." }, "be_tak23": { "risk": "Yes. If the funds fall, your insurance falls with them, and you can lose part or all of it. You carry that risk, not the insurer. Some contracts protect your deposit, but only on the end date: that is in your contract.", "funds": "Your money is in funds the insurer manages. You hold a number of units, and each unit goes up and down with the fund. How a fund invests is in its management rules. What it costs and how risky it is, is in the key information document.", "withdraw": "Yes, you can always stop your insurance and have the money paid out. Whether that also works for part of it, and what it costs, is in your contract.", "safe": "The Guarantee Fund, which protects savings up to €100,000, does not cover Branch 23. But the insurer keeps the investments behind your funds apart: if the insurer goes bankrupt, you and the other customers come first for that money.", "death": "Then your beneficiaries get what your units are worth at that moment. Who your beneficiaries are, you choose." }, "be_tak44": { "risk": "Partly. Branch 44 is one contract with two parts: a part with a guaranteed rate and a part in funds. The part in funds can lose value. The guaranteed part does not move with the markets.", "safe": "Only the part with a guaranteed rate is covered by the Guarantee Fund, which protects savings up to €100,000. The part in funds is not." }, "be_pensioensparen": { "when": { "fund": "A pension savings fund has no end date: from age 60 you choose when to take all or part of it. Sooner is possible too, but then you lose a large part to taxes.", "guaranteed": "On the end date in your contract. Taking it out sooner is possible, but then you lose a large part to taxes, and sometimes you pay exit costs.", "linked": "On the end date in your contract, if it has one. Taking it out sooner is possible, but then you lose a large part to taxes, and sometimes you pay exit costs.", "unknown": "With a fund you choose when from age 60; with an insurance it is on the end date in your contract. Taking it out sooner is possible, but then you lose a large part to taxes." }, "risk": { "fund": "Yes. A pension savings fund invests, and there is no guarantee on what you paid in.", "guaranteed": "Not because of the markets: the insurer guarantees a rate on every deposit. That rate can be low, though, and after costs the amount is sometimes lower than what you paid in.", "linked": "Yes. The money follows funds, and there is no guarantee on what you paid in.", "unknown": "That depends on how the money grows. A fund, or an insurance that follows funds, can lose value. An insurance with a guaranteed rate does not move with the markets. Your yearly statement says which one you have." }, "switch": "Yes, always. You can leave the money where it is and pay into a new provider from now on, or move it. Moving it can cost something at your current provider. Switching from a fund to an insurance, or the other way round, counts as taking it out early.", "skip": { "fund": "No. Skipping a year is fine: you lose nothing of what you already have." }, "death": { "fund": "Then your heirs get what the fund is worth at that moment.", "guaranteed": "Then the amount built up goes to the beneficiary in your contract. If no one is named, it goes to your heirs.", "linked": "Then what your units are worth goes to the beneficiary in your contract. If no one is named, it goes to your heirs.", "unknown": "With a fund, your heirs get what it is worth. With an insurance it goes to the beneficiary in your contract, or otherwise to your heirs." } }, "be_langetermijnsparen": { "whenContract": "On the end date in your contract. Taking it out sooner is possible, but then you lose a large part to taxes.", "switch": "You can pay into another insurer from now on and leave this contract where it is. Moving the money itself can cost something and counts as taking it out early.", "risk": { "unknown": "That depends on your contract. With a guaranteed rate it does not move with the markets. If it follows funds, it can lose value. Your yearly statement says which one you have." } }, "be_vapz": { "when": "Automatically, when you retire as a self-employed person, early retirement included. Not sooner.", "stop": "Then the money stays where it is until your pension. You get it then, just as before." }, "be_ipt": { "when": "When you retire, early retirement included. Once you may retire early, you can ask for it, even if you keep working. Not sooner." }, "be_vapw": { "when": "When you retire, early retirement included. Not sooner." } } }, "trends": { "dataTypes": { "income": "Income", "expense": "Expenses", "expenses": "Expenses", "net": "Net" }, "aggregation": { "monthly": "Monthly", "quarterly": "Quarterly", "yearly": "Yearly", "perPeriod": "Per {{period}}" }, "chart": { "title": { "cumulative": "Cumulative {{metric}} ({{period}})", "periodic": "{{aggregation}} {{metric}} ({{period}})", "byCategory": "{{type}} by Category ({{period}})", "allTime": "All Time", "lastPeriod": "Last {{period}}", "contextByCategory": "By Category", "contextBySubcategory": "By Subcategory", "contextPerMonth": "Per Month", "contextRunningTotal": "Running Total" }, "labels": { "percentage": "Percentage", "absolute": "Absolute", "filtered": "Filtered", "running": "Running", "runningTotal": "Running Total", "noData": "No data available", "noDataHint": "Try selecting a different time period or view", "clickToFilter": "Click bars to filter", "fadedBars": "Faded bars = in progress", "shiftToZoom": "Shift+scroll to zoom", "clearAll": "Clear all", "inProgress": "In progress", "target": "Target {{percent}}%" }, "aria": { "category": "Stacked bar chart showing category breakdown over time. Use the legend to filter categories.", "net": "Chart showing financial trends over time." }, "tooltips": { "showPerPeriod": "Show individual {{period}} values", "showRunningTotal": "Show running total" }, "netLabels": { "savingsRate": "Savings Rate", "cashRetentionRate": "Retention Rate", "netCashflow": "Net Money Flow", "savings": "Savings" }, "emptyState": { "title": "No data available" } } }, "investing": { "assetClass": { "equity": "shares", "fixedIncome": "bonds", "moneyMarket": "money market funds", "crypto": "crypto", "realEstate": "property", "preciousMetal": "metals", "commodity": "commodities", "multiAsset": "mixed funds", "alternative": "alternatives", "cash": "cash", "other": "other investments" }, "teaser": { "exampleEyebrow": "Example portfolio", "thisYear": "this year", "sampleBadge": "Sample", "portfolioValue": "Portfolio value", "sampleGlobalStocks": "Global stocks fund", "sampleCrypto": "Crypto", "sampleTechStock": "Tech stock" }, "empty": { "heroTitle": "Start tracking your investments", "heroDescription": "Add your holdings to follow their value, returns and dividends in one place. Once they're in, we'll recap what the market did with them every month.", "addInvestment": "Add investment", "notInViewTitle": "Not in this view", "notInViewBody": "None of the owners or the account you're looking at has held {{name}}. Show everyone to see it.", "neverHeldBody": "Nobody in your household has held {{name}}.", "showEveryone": "Show everyone", "uploadBrokerFile": "Upload your broker's file" }, "review": { "title": "{{period}} in review", "coverTitle": "{{period}}, wrapped", "coverSubtitle": "A look back at how it went.", "duringPeriod": "During {{period}}", "sinceStart": "Since the start of {{period}}", "sinceStartUntil": "Since the start of {{period}}, until {{end}}", "splitHeading": "Where it came from", "splitPrice": "Price", "splitLine": "{{price}} from the price and {{dividends}} in dividends", "splitDividends": "Dividends", "mvpLabel": "What changed the most", "moversLeaderboard": "What else changed", "moversMore": "+ smaller changes across {{count}} other investments", "tradedMostly": "Mostly {{name}}", "worthAsOf": "as of {{date}}", "worthChangeUp": "Up {{change}} vs {{start}} at the start of {{period}}", "worthChangeDownPrices": "Down {{change}} vs {{start}} at the start of {{period}} as prices fell", "worthChangeSold": "Down {{change}} vs {{start}}, money you moved to your bank by selling, not a loss", "worthChangeFlat": "About the same as {{start}} at the start of {{period}}", "finaleHeading": "The bottom line" }, "dashboard": { "holdingsValue": "Your investments are worth", "holdingsValueScoped": "Your {{name}} is worth", "marketValue": "Market value", "annualizedReturn": "Annualized", "interest": "interest", "open": "Open", "closed": "Sold", "sectionHoldings": "Investments", "sectionReturnByClass": "Return by investment type", "holdingsBreakdown": "Investment breakdown", "spreadAcrossClasses": "Spread across {{count}} investment types:", "spreadAcrossPositions": "Spread across {{count}} investments:", "allTime": "All Time", "dividendsReceived": "Dividends Received", "returns": "Returns", "figuresSection": "Return figures", "periodOnly": "{{period}} only", "returnCard": "Return", "heroReturnFlipAria": "Flip to see how your return moved", "heroReturnDetailCta": "View return", "heroReturnNoPath": "Not enough days to draw yet", "returnEarned": "Your investments earned", "returnLost": "Your investments lost", "returnFlat": "Your investments held steady", "returnEarnedScoped": "Your {{name}} earned", "returnLostScoped": "Your {{name}} lost", "returnFlatScoped": "Your {{name}} held steady", "returnCardDetail": "Price gains + dividends", "cumulativeGainedSinceStart": "Gained {{amount}} since start until {{periodEnd}}", "cumulativeLostSinceStart": "Lost {{amount}} since start until {{periodEnd}}", "cumulativeFlatSinceStart": "Flat since start until {{periodEnd}}", "activitySection": "Trading", "bought": "Bought", "sold": "Sold", "netActivity": "Net Activity", "boughtHeadline": "You bought investments worth", "soldHeadline": "You sold investments worth", "netInHeadline": "You bought more than you sold", "netOutHeadline": "You sold more than you bought", "netFlatHeadline": "You bought as much as you sold", "netNoneHeadline": "You didn't buy or sell anything", "quietBoughtHeadline": "You didn't buy anything", "quietSoldHeadline": "You didn't sell anything", "lastBuy": "Your last buy was on {{date}}: {{amount}} of {{asset}}", "lastSell": "Your last sale was on {{date}}: {{amount}} of {{asset}}", "lastBuyOn": "Your last buy was on {{date}}", "lastSellOn": "Your last sale was on {{date}}", "netInHeadlineAmount": "You bought for {{amount}} more than you sold", "netOutHeadlineAmount": "You sold for {{amount}} more than you bought", "portfolioSection": "Portfolio", "incomeSection": "Income", "income": "Income", "portfolioValue": "Portfolio Value", "holdingsInsightUp": "as of {{date}} · up {{amount}} from start of {{period}}", "holdingsInsightDown": "as of {{date}} · down {{amount}} from start of {{period}}", "holdingsInsightFlat": "as of {{date}} · unchanged from start of {{period}}", "bridgePotGrew": "up {{amount}}", "bridgePotDropped": "down {{amount}}", "bridgeFlowBought": "you bought {{amount}}", "bridgeFlowSold": "you sold {{amount}}", "bridgePriceUp": "prices rose {{amount}}", "bridgePriceDown": "prices fell {{amount}}", "portfolioInsightBarelyMoved": "barely moved in {{period}}" }, "story": { "cardCta": "See your recap" }, "explain": { "includes": "Includes", "excludes": "Excludes", "basis": { "open": "Current investments only", "closed": "Sold investments only", "all": "All investments (current + sold)", "cash": "Cash inside investment accounts" }, "tag": { "currentPrices": "Current market prices", "allHoldings": "All current investments", "openLotsOnly": "Only currently held lots", "closedLotsOnly": "Only sold lots", "purchasePrice": "Purchase price", "brokerFees": "Broker fees", "feesIncluded": "Broker fees rolled into cost", "withheldTax": "Withheld tax at purchase", "taxNetOf": "Net of withholding tax", "priceMovement": "Market price movement", "priceChanges": "Price changes", "soldPositions": "Sold investments", "realizedGains": "Realized gains from sales", "grossDividends": "Gross dividends", "netDividends": "Net dividends (after tax)", "interestEarned": "Interest earned", "dividendsAndInterest": "Dividends & interest", "attributionFifo": "FIFO lot attribution", "holdingPeriod": "Days held", "xirrFormula": "XIRR (money-weighted)", "cashPosition": "Cash", "cashBalance": "Cash balance", "deposits": "Deposits & withdrawals", "salesProceeds": "Sales proceeds", "bankAccounts": "Bank accounts (only investment accounts)", "unsoldHoldings": "Current investments", "priceGains": "Price gains", "taxDeducted": "Tax deducted (shows gross)" }, "asset": { "totalValue": "Current market value of {{name}}: {{value}}. Based on the latest price multiplied by the number of shares you hold. Your original investment was {{invested}}.", "invested": "What you originally paid for your current investment in {{name}}: {{value}}. Includes broker fees rolled into cost. Shares you already sold are not counted.", "quantity": "Number of shares of {{name}} you currently hold: {{value}}.", "priceGain": "How much the market price of your {{name}} investment has moved since you bought it: {{value}}. Does not include dividends.", "totalProfit": "Your total return on {{name}}: {{value}} ({{totalProfitPct}}). This combines the price change ({{gain}}) with dividends earned ({{dividends}}).", "dividends": "Total dividends received from {{name}}: {{value}}. Includes all dividends ever received from this asset, even from lots you've since sold.", "openLotDividends": "Dividends from {{name}} attributed to the lots you still hold: {{value}}. A dividend received earlier is split FIFO between lots that were still open at the time and lots already sold.", "xirr": "Your annualized return on {{name}}: {{value}}. This is a money-weighted rate (XIRR) that accounts for when you bought shares and any dividends received. Your total return is {{totalProfit}} ({{totalProfitPct}}).", "holdingDays": "Weighted average holding period for your current {{name}} investment: {{value}} days. Older lots weight this higher.", "realizedGain": "Capital gain (or loss) on the lots of {{name}} you've sold: {{value}}. FIFO-matched: sale proceeds minus the original cost basis of the oldest lots first.", "realizedDividends": "Dividends you received while holding the lots of {{name}} that you've since sold: {{value}}.", "realizedAnnualized": "Annualized return on the sold investments of {{name}}: {{value}}. Based on capital gains only and the average holding period.", "tag": { "quantity": "{{qty}} shares held", "timing": "Purchase timing" } }, "capitalGain": "Profit or loss from shares you have sold: {{value}}. Calculated FIFO (oldest lots sold first): sale proceeds minus the original cost basis of the matched lots. Does not include current investments, dividends, or interest.", "annualized": "Your yearly return rate across your entire portfolio: {{value}}. Accounts for price changes, realized gains, and dividends. Calculated as a CAGR (compound annual growth rate) based on total invested ({{invested}}), current portfolio value ({{portfolioValue}}), and {{years}} years invested.", "cash": "Money sitting uninvested in your investment accounts: {{value}}. Calculated as: deposits − withdrawals + sales proceeds + dividends + interest − purchases − fees. This is not money in your bank account, only cash inside your investment accounts.", "dividends": "Total dividend payments you received: {{value}}. Net of any withholding tax where applicable. Interest from cash ({{interest}}) is tracked separately.", "holdingsValue": "Today's market value of all shares you currently own (quantity × current price per share). Your investments are currently worth {{value}}. Does not include cash sitting in your account ({{cash}}) or shares you already sold. Selling moves money out of your investments into cash, which shrinks this number but isn't a loss; see Return for your profit.", "income": "Total dividends ({{dividends}}) and interest ({{interest}}) earned across all your investment accounts: {{value}}. Includes income from investments you've already sold. Does not include price gains or capital gains from selling.", "interest": "Interest earned on cash and bonds inside your investment accounts: {{value}}. Tracked separately from dividends.", "invested": "What you originally paid for the shares you still hold today: {{value}}. Includes the purchase price and broker fees. Shares you already sold are not counted here.", "lot": { "cost": "Original purchase cost of this lot: {{value}}. Includes the price you paid plus any broker fees attributed to this lot.", "gain": "Capital gain on this single lot when it was sold: {{value}}. Calculated as sale proceeds minus the original purchase price of just this lot.", "value": "Current market value of this single lot: {{value}}. Quantity remaining × current market price." }, "portfolioValue": "Everything your investment accounts are worth right now: {{value}}. That's the current market value of all your investments ({{worth}}) plus uninvested cash sitting in those accounts ({{cash}}). This is your wealth view, what you'd have if you sold everything today.", "priceGain": "How much the market price of your current investments has moved since you bought them: {{value}} ({{pct}}). This is Investments value ({{worth}}) minus Invested ({{invested}}). Does not include dividends, interest, or profit from shares you already sold.", "totalReturn": "Your full all-in return: {{value}}. This is price gains on what you still hold + capital gains from what you sold + dividends. The complete answer to 'how am I doing'." }, "portfolio": { "invested": "Invested", "worth": "Worth", "priceGain": "Price gain", "priceLoss": "Price loss", "priceResult": "Price result", "capitalGain": "Capital Gain", "dividends": "Dividends", "totalReturn": "Total result", "allocationTitle": "Portfolio Allocation", "byValue": "By Value", "byPercent": "By %", "showMore": "Show {{count}} more", "showLess": "Show less", "value": "Value", "allocation": "Allocation", "noHoldings": "No investments", "noHoldingsAllocation": "No investments to display allocation", "soldOutHoldings": "You've sold this investment in full: nothing is held as of {{date}}.", "notYetHeldHoldings": "You hadn't bought this investment yet as of {{date}}.", "compositionUnavailable": "Data not available for {{period}}, it starts {{start}}.", "snapshot": "Snapshot", "snapshotDescription": "How your portfolio is distributed right now, see where each euro is invested.", "history": "History", "historyDescription": "How your portfolio mix has shifted over time.", "sectionAnalysis": "Allocation analysis", "sectionTargetPortfolio": "Target portfolio", "portfolioTitle": "Portfolio", "portfolioDescription": "Current investments and allocation overview", "allocationDescription": "Allocation breakdown and rebalancing", "statsHoldings": "{{count}} investments", "statsLargest": "Largest {{pct}}", "statsCash": "Cash {{pct}}", "statsBalanced": "Balanced", "statsRebalanceNeeded": "{{count}} to rebalance", "statsNoTargets": "Set targets", "driftAlertTitle": "{{count}} investments out of target", "driftAlertView": "View", "byType": "By investment type", "byAsset": "By investment", "bySector": "By sector", "byHolding": "By investment unwrapped", "noTrend": "{{view}}: no trend over time", "sectorCoverage": "Sector data covers {{covered}} of {{total}} investments", "inclDiv": "Incl. dividends", "priceReturn": "Price", "totalPct": "Total", "yearly": "Yearly", "activityDescription": "Full transaction history for your investments", "realizedDescription": "Sold investments and capital gains", "byInstrument": "By instrument" }, "modelPortfolio": { "empty": { "title": "No plan yet", "description": "Set what share of your investments each asset class should be, and this page tracks how far you drift from it.", "setTargets": "Set targets" }, "act": { "deployHint": "Put new cash to work, and move what's heavy if that isn't enough.", "deployHintNamed": "Your cash goes to {{classes}} first, then moves what's heavy if it needs to.", "shiftHint": "Sell what's heavy, buy what's light. No new cash needed.", "shiftHintNamed": "Sell {{heavy}}, buy {{light}}. No new cash needed.", "amountLabel": "How much do you want to invest?", "deployShort": "Add money", "shiftShort": "Move money", "paceLabel": "Over how many months?", "sellFirst": "First, sell these", "thenBuy": "Then buy these", "buyNow": "What to buy", "everyMonth": "Every month for {{months}} months, {{total}} in total.", "standingOrder": "Standing order", "overTarget_one": "{{classes}} sits {{gap}} above target. Buying can't bring that down, so closing the gap means selling.", "overTarget_other": "{{classes}} sit {{gap}} above target. Buying can't bring that down, so closing the gap means selling.", "approxUnits": "≈ {{qty}} units", "boughtThisMonth": "{{amount}} bought this month", "deployHintHeld": "Your cash goes to {{classes}} first. {{held}} is on hold, so its share waits in cash.", "deployHintAllHeld": "Everything you plan to buy is on hold, so this month's money waits in cash.", "overTargetHeld_one": "{{classes}} sits {{gap}} above target, and it is on hold. Buying can't bring that down, and the plan won't sell what you've paused.", "overTargetHeld_other": "{{classes}} sit {{gap}} above target, and they are on hold. Buying can't bring that down, and the plan won't sell what you've paused.", "nothingToTradeHeld_one": "{{classes}} is on hold and sits {{amount}} above its target, so there is nothing to trade here.", "nothingToTradeHeld_other": "{{classes}} are on hold and sit {{amount}} above their targets, so there is nothing to trade here.", "paceAria": "Set how fast you buy {{name}}", "backOnMix": "Buy these today and you're back on your mix.", "buyRule": "Buys only: what is furthest behind its share gets the most.", "buyRuleFixed": "Same split every month: each buy follows your mix.", "pricedAtClose": "Priced at the last close. Your broker's costs come on top." }, "table": { "planShare": "plan {{pct}}", "unplannedClass": "not in your plan", "overPlan": "{{pct}} more than you planned", "underPlan": "{{pct}} less than you planned" }, "threshold": { "pill": "{{value}}% off target" }, "save": { "label": "Is this a new plan, or a fix to the old one?", "newShort": "A new plan", "correctShort": "Fix the old plan", "newDescription": "Keeps your old plan on the dates it covered, and starts this one from the date below.", "startsOn": "Starts on", "startsOnHelp": "The day this plan really started. A date in the past is fine.", "dateTaken": "Another plan already starts on {{date}}. Pick a different day.", "newAfterLast": "A new plan starts after the one before it, so {{date}} at the earliest.", "dateMissing": "Pick the day this plan starts.", "noteLabel": "Why the change?", "notePlaceholder": "More bonds as I get closer to retiring", "correctDescription": "The plan from {{date}} was a mistake. Rewrite what it says, and when it started.", "noteLabelCorrect": "Why this plan?" }, "history": { "chartTitle": "{{type}} over time", "chartActual": "Your share", "chartTarget": "Plan", "chartBand": "Rebalance band", "chartAria": "Share of {{type}} in your plan over time", "chartHolding": "What you hold", "chartAriaValue": "Value of {{type}} against your plan over time", "newPlan": "New plan", "title": "Your plans over time", "since": "Since {{date}}", "range": "{{from}} to {{to}}", "startsOn": "Starts {{date}}", "current": "Now", "scheduled": "Upcoming", "delete": "Delete this plan", "deleteTitle": "Delete this plan?", "deleteMessage": "The plan for {{range}} disappears from your history. Your holdings are untouched." }, "deploy": { "readySub": "Your Future forecast says this much sits above your safety buffer today.", "streamSub": "Your Future forecast says no lump is spare today, but about this much frees up every month.", "scheduleSub": "This month's share of your schedule." }, "schedule": { "keep": "Keep this as a plan", "thisMonth": "This month", "progress": "Month {{month}} of {{months}} · {{placed}} of {{total}} bought", "adHoc": "A one-off deployment, outside any schedule.", "remaining": "{{amount}} still to go in", "overdue": "This plan's last month has passed, with {{amount}} still to buy.", "finished": "Plan done: all {{total}} bought.", "stop": "Stop this schedule", "stopTitle": "Stop this schedule?", "stopMessage": "What you've already placed stays on record. The rest stops being planned, and the deploy screen goes back to using your spare cash." }, "allocation": { "remaining": "{{pct}}% left to assign", "over": "{{pct}}% too much" }, "split": { "classShare": "These shares divide the {{pct}}% you gave {{type}}, not your whole portfolio.", "noRoom_one": "{{name}} has no share yet. Lower another product to make room.", "noRoom_other": "{{name}} have no share yet. Lower another product to make room.", "viewTitle": "Products for {{type}}", "addProduct": "Add product", "searchPlaceholder": "Search by name or ISIN", "pickerScope": "Search covers the whole market; only {{type}} products can be added here.", "fromPortfolio": "You hold or held these", "fromCatalog": "From the catalog", "wrongType": "{{name}} is {{actual}}, so it can't sit under {{expected}}.", "decrease": "Decrease {{name}}", "increase": "Increase {{name}}", "remove": "Remove {{name}}" }, "backtest": { "title": "Test this plan against history", "intro": "See what this mix would have done in the past, with and without rebalancing.", "needSplits": "First choose which ETF, fund or coin you'd use for {{classes}}. Prices exist per product, not per group.", "noPrices": "No price history for {{name}} yet.", "tooShort": "Not enough shared price history to run a useful backtest.", "nothingInvested": "Enter a starting or monthly amount to run the backtest.", "initialLabel": "Start with", "monthlyLabel": "Monthly", "view": { "total": "Total", "byHolding": "By holding", "aria": "Chart view" }, "unit": { "aria": "Value unit" }, "compareBaseline": "Compare: no rebalancing", "legend": { "baseline": "Without rebalancing" }, "summary": { "contributed": "Money added", "strategy": "With rebalancing", "baseline": "Without", "perYear": "{{value}} a year" }, "verdict": { "ahead": "Rebalancing ({{count}}x) would have left you {{amount}} ahead of just buying and holding the same mix.", "behind": "Rebalancing ({{count}}x) would have left you {{amount}} behind just buying and holding the same mix.", "even": "Rebalancing ({{count}}x) would have made almost no difference versus just buying and holding.", "afterTaxAhead": "After costs and tax, rebalancing ended {{amount}} ahead of never selling.", "afterTaxBehind": "After costs and tax, rebalancing ended {{amount}} behind never selling.", "afterTaxEven": "After costs and tax, rebalancing and never selling ended level.", "costLine": "{{trades}} trades, {{fees}} in fees, {{txTax}} in trading tax, {{gainsTax}} in tax on gains.", "afterTaxNote": "Compared after selling everything on the last day, so the arm still holding an untaxed gain is charged for it.", "cashHeld": "{{amount}} sat in cash waiting for the next contribution.", "rideSmoother": "It also made the ride easier: the worst fall was {{withBand}} with the band against {{without}} without it.", "rideRougher": "It also made the ride harder: the worst fall was {{withBand}} with the band against {{without}} without it.", "rideSame": "The ride was the same either way: both fell about {{depth}} at their worst.", "costDrag": "Costs and tax took {{amount}} of the {{gross}} this plan earned, turning {{without}} a year into {{with}}.", "withinNoise": "Starting this same plan in a different month moved its yearly return by up to {{swing}} either way, which is wider than that gap. Treat it as a draw.", "partRouting": "Sending new money to whatever was behind: {{amount}}.", "partSelling": "Selling to trim what had run ahead ({{count}}x): {{amount}}." }, "limitedBy": "History starts {{date}}, limited by {{name}}.", "fxFallback": "Some currency conversions used today's rate where history is missing.", "caveats": "Simulation on closing prices only. Dividends count only if you enter a yield, and costs and taxes only if you enter them. Fractional units allowed. The past promises nothing.", "costs": { "intro": "Everything starts at zero, so the simulation is costless until you tell it what you actually pay.", "trading": "Per trade", "spread": "Spread (bps)", "commissionFlat": "Commission, fixed", "commissionPct": "Commission, %", "commissionMin": "Commission, minimum", "commissionMax": "Commission, maximum", "minTrade": "Skip trades below", "capHelp": "0 means no cap.", "taxes": "Tax per trade", "buyTaxPct": "On a buy, %", "buyTaxCap": "Buy cap", "sellTaxPct": "On a sell, %", "sellTaxCap": "Sell cap", "gains": "Tax on gains", "gainsPct": "Rate, %", "exemption": "Tax free each year", "exemptionHelp": "Spread across the simulated years, so a window starting mid-year doesn't collect an extra one.", "dividends": "Dividend yield per holding", "dividendsHelp": "Price history can't see payouts. Leave an accumulating fund at 0: its price already includes them.", "withholding": "Withheld from dividends, %", "reset": "Clear all", "open": "Costs and taxes", "costless": "No costs or taxes entered, so this simulation is costless.", "yardstick": "Risk yardstick", "riskFree": "Cash rate, %", "riskFreeHelp": "What a savings account paid over this window. Used only to judge return against risk, never inside the simulation." }, "sweep": { "open": "Compare bands", "running": "Comparing…", "intro": "Runs your plan at each band over every {{months}}-month window in your price history.", "best": "Best on this history: the {{band}}% band.", "indistinguishable": "Your history cannot separate these bands: the gaps between them are smaller than the spread within any single one.", "sample": "{{windows}} windows of {{months}} months. Adjacent windows share {{overlap}} of those months, so this is closer to {{effective}} independent observations than {{windows}}. It is not a probability.", "vsSteer": "Each number is measured against the same plan without selling, so it is the effect of selling alone.", "colBand": "Band", "colMedian": "Typical edge", "colRange": "p10 to p90", "colAhead": "Ahead in", "colTrades": "Trades", "colCost": "Cost", "noWindows": "Not enough price history yet to compare bands over full windows.", "degraded": "{{count}} windows hit a day where not every holding could be traded.", "failed": "The comparison could not finish." }, "logScale": "Log scale", "logScaleShort": "Log", "backToPlan": "Back to your plan", "hero": { "caption": "What your plan would be worth today, run on real prices since {{date}}", "captionIdle": "What your plan would be worth today" }, "setup": { "pageTitle": "Set up the backtest", "steps": { "welcome": "Start", "lump": "At once", "monthly": "Monthly", "bandAsk": "Band", "band": "How far", "cadence": "Checking", "costs": "Costs", "recap": "Result" }, "welcome": { "title": "Set up the test", "body": "A few questions about the money you'd have put in and what trading costs you. It always runs on real closing prices, back to the first day every fund in your mix has one.", "cta": "Start" }, "lump": { "title": "How much would you have put in at once?" }, "monthly": { "title": "And how much would you add every month?" }, "bandAsk": { "title": "How far off target before you act?", "plan": "Keep to your plan's {{pct}}%", "planBody": "Test the same rule your plan actually rebalances on.", "custom": "Try a different band", "customBody": "Only for this test. Your plan keeps the band it has." }, "band": { "title": "Act at {{pct}}% off target" }, "cadence": { "title": "How often would you check for drift?", "dailyBody": "Every closing price. The band still decides whether anything trades.", "monthlyBody": "Once a month. A holding can breach and come back unseen.", "quarterlyBody": "Four times a year. Easier to keep up, blinder in between." }, "costs": { "title": "What does trading cost you?" }, "recap": { "worth": "That plan would be worth {{amount}} today", "body": "{{value}} a year, on real closing prices.", "pending": "Your test is set up", "pendingBody": "The result appears on the page behind this as soon as the prices land." }, "finish": "See the result", "inviteEyebrow": "Set it up", "inviteTitle": "Tell us what you'd have put in", "inviteBody": "Five questions: the money, the band, how often you look, and what trading costs you.", "readback": { "title": "Your test", "adjust": "Change the test", "band": "{{pct}}% off target", "costsTerm": "Costs", "costsYours": "Yours", "costsNone": "None entered" } }, "band": { "label": "Rebalance band", "hint": "A holding is off target once it drifts more than {{pct}}% away from its share of the mix." }, "sections": { "path": { "headline": "How would it have gone?", "explainer": "The value of the plan day by day, buying toward your targets every month and selling only when a holding drifts outside the band." }, "compare": { "headline": "Was the rebalancing worth it?", "explainer": "The same money in the same mix, but left completely alone. Rebalancing does two things: it aims new money at whatever is behind, and it sells what has run ahead. The gap below is split into both." }, "bands": { "headline": "Which band held up best?", "explainer": "The same plan at every band, over every window in your price history. Counts, never odds: neighbouring windows share most of their data, so this is one market cycle seen from a few angles." }, "trades": { "headline": "What did it actually do?", "explainer": "Every trade the plan made and what set it off. The monthly buys are routine; the rebalances are the decisions worth reading." }, "ride": { "headline": "How rough was the ride?", "explainer": "Every plan looks easy once it is over. This is what you would have had to sit through: how far it fell below its own high, and how long it stayed there. Measured without the money you were adding, so a monthly payment cannot paper over a crash." }, "years": { "headline": "Steady, or one lucky year?", "explainer": "What the mix returned in each calendar year on its own. A plan that earned its whole result in one year is a different thing to hold than one that ground it out." }, "rolling": { "headline": "How much of this was the start date?", "explainer": "The same plan, started in every month your price history allows. If the spread across those starts is wide, the figure at the top of this page says more about when you began than about the mix." }, "benchmark": { "headline": "Was the mix worth it?", "explainer": "The same money over the same months, but all of it in one fund instead of your mix. Whatever the two end up apart is what spreading it around did, for better or for worse." }, "frontier": { "headline": "What else could this money have done?", "explainer": "The same funds, weighted every other way. Each dot is one alternative mix run through the same history with the same costs. Yours is marked, so you can see how much room there actually was." } }, "empty": { "noPlanTitle": "No target mix yet", "noPlanBody": "Set target weights for your asset classes first. There's nothing to test against history until the plan exists." }, "trades": { "scope": { "rebalances": "Rebalances", "all": "All trades", "aria": "Which trades to show" }, "counts": "{{rebalances}} rebalance trades · {{contributions}} monthly buys", "colDate": "Date", "colHolding": "Holding", "colAmount": "Amount", "colCost": "Fee + tax", "colTrigger": "What triggered it", "side": { "buy": "Buy", "sell": "Sell" }, "reason": { "contribution": "Monthly money put to work", "bandSell": "Drifted above the band, trimmed to target", "bandBuy": "Drifted below the band, topped up to target", "fundingSell": "Sold down to fund a top-up", "redeploy": "Proceeds put straight back into the mix", "taxSell": "Sold to pay a tax bill on gains" }, "drift": "{{was}} of the mix, target {{target}}", "none": "Nothing ever drifted more than {{band}}% from target, so the plan never had to sell.", "capped": "Showing the first {{shown}} of {{total}} trades." }, "cadence": { "label": "Check drift", "daily": "Daily", "monthly": "Monthly", "quarterly": "Quarterly", "hint": "A breach found at one close is traded at the next one, because you can't act on a price you haven't seen yet." }, "countOf": "{{count}} of {{total}}", "ride": { "worstFall": "Worst fall", "longestRecovery": "Longest recovery", "longestRecoverySub": "high to high again", "swing": "Swing a year", "swingSub": "typical up and down", "perRisk": "Return per swing", "perRiskOverCash": "over cash at {{rate}}", "perRiskNoCash": "cash counted as 0%", "months_one": "{{count}} month", "months_other": "{{count}} months", "years": "{{value}} years", "notYet": "not yet", "story": "The deepest stretch ran from {{from}} to {{to}}: the mix fell {{depth}} over {{fell}}, then took {{back}} to get back to where it had been.", "storyOngoing": "The deepest stretch started in {{from}} and bottomed out in {{to}}, {{depth}} below the high. It has not seen that high again since.", "behind": "At the worst moment, in {{date}}, you were holding {{value}} against the {{contributed}} you had paid in: {{shortfall}} behind.", "behindFor": "Your balance sat below the money you had paid in for {{span}} at a stretch.", "neverBehind": "Your balance was never below the money you had paid in.", "tableTitle": "Every fall worth naming", "colWhen": "High to low", "colFall": "Fall", "colDown": "Time falling", "colBack": "Back to even", "sortino": "Judged only on the days it lost ground: {{value}}.", "calmar": "Return against its worst fall: {{value}}." }, "years": { "twoRates": "The mix itself returned {{mix}} a year over this window. Your own money earned {{yours}} a year, because most of it was invested for less than the whole stretch.", "best": "Best year", "worst": "Worst year", "down": "Down years", "upMonths": "Up months", "partial": "part year", "partialNote": "Faded bars cover only part of that year, so they are left out of the best and worst above.", "monthRange": "best {{best}}, worst {{worst}}" }, "rolling": { "yearsOption": "{{years}}y", "windowAria": "Length of each run", "best": "Best run", "typical": "Typical run", "worst": "Worst run", "negative": "Ended lower", "summary": "Across {{count}} different {{years}}-year runs of this plan, the yearly result landed anywhere from {{worst}} to {{best}}.", "overlap": "Neighbouring runs share all but one month of their data, so this is one market cycle seen from a few angles, not a set of independent trials. Counts, never odds.", "none": "Not enough price history yet to run this plan from more than a handful of start dates.", "lengthLabel": "Length of each run" }, "benchmark": { "label": "Compare against", "useBiggest": "Back to {{name}}", "mix": "Your mix", "only": "{{name}} on its own", "ahead": "Your mix finished {{amount}} ahead of putting everything into {{name}}.", "behind": "Your mix finished {{amount}} behind putting everything into {{name}}.", "level": "Your mix and {{name}} on its own finished level.", "withinNoise": "Starting this same plan in a different month moved its yearly return by up to {{swing}} either way, which is wider than the gap between them. One run through history cannot tell these two apart.", "rideSmoother": "The mix also made the ride easier: it fell {{mix}} at its worst, against {{alone}} for {{name}} on its own.", "rideRougher": "The mix also made the ride harder: it fell {{mix}} at its worst, against {{alone}} for {{name}} on its own.", "rideSame": "Both fell about {{depth}} at their worst, so the ride was much the same either way.", "afterTaxAhead": "After costs and tax, your mix ended {{amount}} ahead of {{name}} on its own.", "afterTaxBehind": "After costs and tax, your mix ended {{amount}} behind {{name}} on its own.", "afterTaxEven": "After costs and tax, your mix and {{name}} on its own ended level.", "notCovering": "{{name}} only has prices from {{date}}, which starts inside the window being tested. Pick another fund, or shorten the window.", "tooShort": "There is not enough price history for {{name}} to compare over this window.", "sameAsPlan": "Your plan is all in {{name}}, so comparing it against {{name}} is comparing it against itself. Pick another fund to see how the plan would have stacked up.", "rowTooYoung": "prices only from {{date}}" }, "frontier": { "open": "Explore other mixes", "running": "Running hundreds of mixes…", "noWorker": "This browser cannot run the scan in the background, and running it here would freeze the page.", "failed": "The scan could not finish. Try again.", "intro": "{{count}} different weightings of your funds, each run over the same window with your costs and taxes.", "otherMixes": "Other mixes", "plan": "Your mix", "minRisk": "Calmest ride", "maxSharpe": "Best per unit of risk", "maxReturn": "Highest return", "axisRisk": "Swing a year", "axisReturn": "Return a year", "colMix": "Mix", "colWorstFall": "Worst fall", "colPerRisk": "Return per swing", "indistinguishable": "These sit close enough together that this history cannot rank them. Your mix is already in the crowd at the top.", "stabilityTitle": "The winning mix does not hold still. Across {{count}} different {{months}}-month stretches, the mix that came out best kept changing:", "stabilityRow": "{{name}}: anywhere from {{min}} to {{max}} of the pot.", "stabilityNote": "Each stretch picks a different winner because each one covers a different market. A mix that wins every stretch does not exist.", "overfitNote": "The best-looking dot is the one that happened to suit this stretch of history. It is not a recommendation, and nothing here can tell you what will work next.", "scopeLabel": "What to vary", "scopeBetween": "How much goes to each class", "scopeWithin": "Inside {{name}} ({{pct}} of the plan)", "scopeFree": "Everything at once", "hintBetween": "Each class keeps its own recipe. Only the split between classes moves, so the cloud is purely about allocation.", "hintWithin": "Every other class stays exactly as planned, and this class keeps its total. Only the funds inside it move.", "hintFree": "Every fund's weight moves independently. The widest view, and the hardest to attribute: a better dot can be better for either reason." } }, "status": { "offPlan": "Each class against its own target. {{threshold}}% off or more needs action.", "balanced": "You're on track: every class is within {{threshold}}% of its own target.", "balancedWithHold_one": "You're on track. {{classes}} is on hold, so its share waits in cash.", "balancedWithHold_other": "You're on track. {{classes}} are on hold, so their share waits in cash.", "noRebalance": "Rebalancing is off: what you hold may drift from the mix." }, "deviation": { "title": "What's off your plan", "offPlan": "Off plan", "short": "{{amount}} short", "over": "{{amount}} over", "onPlan": "On plan", "held": "On hold", "heldSince": "On hold since {{date}}", "heldOver": "{{pct}} above your target, and staying there", "waiting": "{{amount}} waiting", "heldAbove": "{{amount}} above", "pacedMonthly": "{{amount}} a month", "fixedMonthly": "{{amount}} every month", "roomLeft": "{{amount}} before your {{pct}} line", "atCeiling": "At your {{pct}} line" }, "calculator": { "perMonth": "/ month", "oneMonth": "1 month", "nMonths": "{{n}} months" }, "editor": { "distributeRemainder": "Spread evenly", "ceilingHelp": "The plan stops adding once it reaches your line. It never sells to get back under it.", "ceilingUnit": "Share of everything you own", "cap": "Cap {{type}}", "capQuestion": "A most for any class?", "thresholdHelp": "How far a holding can drift from its target share before it needs action. Measured against the target itself, so a 20% target goes off track outside 16 to 24%.", "save": "Save", "decrease": "Decrease {{type}}", "increase": "Increase {{type}}", "mixQuestion": "How do you want to split your money?" }, "pace": { "title": "How much goes into {{class}} each month?", "noLimit": "As fast as the plan needs", "noLimitHint": "New money goes here until it reaches its target, like everything else.", "monthly": "At most this much a month", "monthlyHint": "A ceiling on new money. The rest of its share waits in cash.", "exactly": "Exactly this much a month", "exactlyHint": "A standing order, taken before the rest of the plan, whatever the mix says.", "amountLabel": "Every month", "none": "Not buying yet, and don't sell it either", "noneHint": "It keeps its target and nothing is traded, in or out, until you change this." } }, "plan": { "title": "Your portfolios", "description": "Long-term, timed and picks: what each is for, and its plan." }, "portfolios": { "add": "New portfolio", "editGroup": "Edit portfolio", "notFound": "This portfolio doesn't exist (any more)", "backToOverview": "All portfolios", "emptyTitle": "No portfolios yet", "emptyBody": "Group accounts into a portfolio to give them a plan of their own.", "accountCount_one": "{{count}} account", "accountCount_other": "{{count}} accounts", "delete": "Delete portfolio", "deleteTitle": "Delete this portfolio?", "deleteMessage": "{{name}} and its plan, monthly limits and deployment schedules will be deleted. Its accounts stay, and you'll be asked where they belong next.", "board": { "leaveOut": "Leave it out of my plans", "leaveOutHint": "It won't be in any plan. You can change this anytime.", "openPlan": "Open plan", "edit": "Edit", "moveAria": "Move {{name}}", "newPortfolio": "New portfolio…", "emptyPortfolio": "No accounts yet. Tap an account on another card to move it here.", "moveFailed": "{{name}} couldn't be moved. Please try again." }, "inbox": { "title_one": "{{count}} account isn't in a plan yet", "title_other": "{{count}} accounts aren't in a plan yet", "sort": "Sort them" }, "leftOut": { "title": "Left out of plans" }, "sort": { "question": "Which portfolio does this account belong to?", "create": "Create", "done": "All sorted", "footnote": "Each choice is saved right away. You can move accounts later on the board." }, "sameMoney": { "title": "Against your long-term portfolio", "ownSub": "What it earned since you started", "coreTitle": "The same money in {{name}}", "coreSub": "Same buys and sells, on the same days" }, "role": { "question": "What is this portfolio for?", "core": "Long-term", "timed": "Timed", "picks": "Picks", "coreHint": "Gets your new money. When cash runs low, the plan sells only from here.", "timedHint": "In and out over a set time: a buying calendar in, an exit rule out.", "picksHint": "Shares you pick yourself. Bought when you want, never sold by the plan.", "takeOver": "Gets your new money instead of {{name}}, which becomes Picks.", "coreStays": "To change this, make another portfolio Long-term.", "coreMoney": "Gets your new money", "picksMoney": "You buy when you want", "noSchedule": "No buying calendar yet", "boardIntro": "New money goes to your long-term portfolio. The others only get what you give them.", "timedBuy": "On a buying calendar", "coreSell": "When your cash runs low, the plan sells from here", "picksSell": "Never sold by the plan" }, "calendar": { "steps": { "everyMonth": "every month", "everyN": "every {{n}} months", "everyAria": "How often", "timesAria": "How many times", "fromAria": "From", "remove": "Remove step", "add": "Add a step", "eachAria": "Each buy", "sum_one": "{{count}} buy · {{total}}", "sum_other": "{{count}} buys · {{total}}", "times_one": "{{count}} time", "times_other": "{{count}} times" }, "withCatchUp": "{{planned}} planned + {{carried}} from earlier months", "title": "Buying calendar", "saveFailed": "Your buying calendar couldn't be saved. Please try again.", "thisMonth": "Buy {{amount}} this month", "nothingThisMonth": "No buy this month", "nextYearBody": "Your last schedule placed {{total}}. Start the same amount and rhythm a year on.", "totalLine_one": "{{total}} in {{count}} buy", "totalLine_other": "{{total}} in {{count}} buys", "totalWithReserve_one": "{{total}} · {{dated}} in {{count}} buy + {{reserve}} for dips", "totalWithReserve_other": "{{total}} · {{dated}} in {{count}} buys + {{reserve}} for dips", "reserve": { "label": "Kept for dips", "help": "Part of the plan with no month: you decide when." } }, "exit": { "title": "Exit rule", "ruleLine": "The stop arms at {{trigger}}% above your average price, then trails {{trail}}% under the highest close since.", "waiting": "Arms at {{trigger}} ({{pct}}% above your average of {{avg}}).", "armed": "Place your stop at {{stop}}: {{pct}}% under the top of {{peak}} on {{date}}.", "hit": "The stop at {{stop}} was reached at yesterday's close: sell all of it.", "none": "Nothing held.", "stateWaiting": "Waiting", "stateArmed": "Stop active", "stateHit": "Sell", "nothingHeld": "Nothing held in this portfolio yet.", "setupTitle": "Add an exit rule", "setupBody": "A trailing stop per coin: it arms once the price is well above what you paid, and follows every new high.", "triggerLabel": "Arm the stop at this % above your average price", "triggerHint": "For example 55: the stop arms once the price is 55% above what you paid on average.", "trailLabel": "Keep the stop this % under the top", "trailHint": "For example 35: the stop sits 35% under the highest close since it armed, and rises with every new high.", "sellAllNote": "When a stop is reached, the rule says sell the whole coin. Prices are yesterday's close.", "remove": "Remove the exit rule", "saveFailed": "The exit rule couldn't be saved. Please try again." }, "editor": { "newTitle": "New portfolio", "editTitle": "Edit portfolio", "nameLabel": "Name", "namePlaceholder": "e.g. Long-term, Pension, Crypto", "saveFailed": "This portfolio couldn't be saved. Please try again.", "deleteFailed": "This portfolio couldn't be deleted. Please try again." }, "single": { "title": "One plan for all your investments", "body": "Choose what you want to own and how you buy it. All your investment accounts go in it; you can keep some apart later.", "action": "Make my plan", "defaultName": "My investments" }, "split": { "title": "Keep some money apart?", "body": "Crypto, or shares you pick yourself, can get a portfolio and a plan of their own." } }, "asset": { "holdingDays": "Days held", "quantity": "Quantity", "openLotDividends": "Unrealized Dividends" }, "tabs": { "performance": "Performance" }, "activity": { "title": "Activity", "backToAccounts": "Accounts", "noAccounts": { "title": "No investment accounts yet", "description": "Add an investment account to start tracking your activity.", "cta": "Go to Accounts" }, "stream": { "lotsMatched": "lots matched", "boughtOn": "Bought", "daysShort": "d", "noActivity": "No Activity", "noActivityDescription": "No transactions match your current filters.", "startOfMonth": "Start of Month", "endOfMonth": "End of Month", "whatHappened": "What Happened", "monthResult": "Month Result", "firstMonth": "This is the first month of your investment journey.", "holdings": "Investments", "invested": "Invested", "unrealizedPnl": "Unrealized P&L", "cash": "Cash", "purchases": "Purchases", "sales": "Sales", "dividends": "Dividends", "fees": "Fees", "marketMovements": "Market Movements", "shares": "shares", "realized": "Realized", "newBadge": "NEW", "closedBadge": "CLOSED", "bestMonth": "Best month", "worstMonth": "Worst month", "buy": "buys", "sell": "sells", "div": "divs" }, "card": { "date": "Date", "account": "Account", "quantity": "Quantity", "unitPrice": "Unit Price", "grossAmount": "Gross Amount", "netAmount": "Net Amount", "brokerFee": "Broker fee", "tax": "Tax", "edit": "Edit", "fees": "Fees" }, "timeline": { "buy": "Buy", "sell": "Sell", "dividend": "Div", "interest": "Interest", "fee": "Fee", "transfer": "Transfer", "brokerFee": "Broker fee", "boughtLabel": "Bought", "soldLabel": "Sold", "dividendsLabel": "Dividends", "interestLabel": "Interest", "feesLabel": "Fees", "buyBadge_one": "{{count}} buy", "buyBadge_other": "{{count}} buys", "sellBadge_one": "{{count}} sell", "sellBadge_other": "{{count}} sells", "divBadge_one": "{{count}} div", "divBadge_other": "{{count}} divs", "interestBadge_one": "{{count}} interest", "interestBadge_other": "{{count}} interest", "transferBadge_one": "{{count}} transfer", "transferBadge_other": "{{count}} transfers", "receivedGift": "Received", "receivedInheritance": "Inherited", "movedIn": "Moved in", "givenAway": "Given away", "movedOut": "Moved out" }, "fees": "Fees" }, "transactions": { "transactionCount": "{{count}} transactions", "filter": { "search": "Search transactions...", "noResults": "No transactions match your filters", "noResultsDescription": "Try adjusting your filters or search query.", "searchLabel": "Search", "dateRange": "Date Range" }, "emptyState": { "noTransactions": "No Transactions Yet", "noTransactionsDescription": "Start tracking your investment activity by adding your first transaction below.", "noHoldings": "No Investments", "noHoldingsDescriptionAll": "None of your investment accounts have any investments yet. Add a transaction to get started.", "noHoldingsDescriptionAccount": "{{account}} doesn't have any investments yet. Try selecting a different account or add a transaction.", "noData": "No Investment Data", "noDataDescription": "Start by adding investment transactions to see your portfolio performance." }, "pageTitle": "Investment Transactions", "transactionHistory": "Transaction History", "viewModes": { "list": "List", "monthly": "Monthly" }, "table": { "typeAsset": "Type / Investment", "total": "Total", "shares": "shares", "avgBuy": "Avg Buy:", "avgSell": "Avg Sell:", "avg": "avg" }, "status": { "closed": "Closed" }, "cashFlow": { "cashIn": "Money In", "cashOut": "Money Out", "taxPending": "Tax Pending", "taxPendingTooltip": "Tax not withheld - to be paid later", "netFlow": "Net Flow" }, "summary": { "bought": "Bought", "sold": "Sold", "dividends": "Dividends", "interest": "Interest", "fees": "Fees" }, "pagination": { "showing": "Showing {{from}}-{{to}} of {{total}}" } }, "import": { "title": "Import trades", "steps": { "review": "Add these trades?", "accounts": "Which account is each one?" }, "submit_one": "Import {{count}} trade", "submit_other": "Import {{count}} trades", "submitting": "Importing…", "done_one": "{{count}} trade added to {{account}}", "done_other": "{{count}} trades added to {{account}}", "failed": "The trades couldn't be added. Nothing changed in your account — try again.", "file": { "recognised": "{{platform}} export", "tradeCount_one": "{{count}} trade", "tradeCount_other": "{{count}} trades", "saxoSummary": "This is Saxo's short report. We'll add it for you, or, to add your trades right away, export the transactions report again with all details turned on." }, "assets": { "new": "New — we'll add it", "choose": "Which one?" }, "review": { "krakenLedgers": "This is Kraken's Trades export. Purchases made in the Kraken app, deposits and free coins aren't in it — Kraken's Ledgers export has everything.", "line": "Line {{line}}", "held": "Something in this file needs a closer look. We'll add it for you within a day — until then, nothing changes.", "heldTitle": "What needs a look", "send": "Send it to us", "commission": "Commission", "boughtOn": "Bought {{quantity}} · {{date}}", "soldOn": "Sold {{quantity}} · {{date}}", "trust": "Every amount matches {{broker}}'s statement to the cent.", "newAccount": "New: {{name}}", "costsCorrected": "Costs corrected on the {{date}} trade", "receivedOn": "Received {{quantity}} free · {{date}}", "figuresCorrected": "Exact figures set on the {{date}} trade", "alreadyTrades_one": "{{count}} trade", "alreadyTrades_other": "{{count}} trades", "alreadyDeposits_one": "{{count}} deposit or withdrawal", "alreadyDeposits_other": "{{count}} deposits and withdrawals", "already": "The rest of this file is already in {{appName}}: {{list}}.", "depositsMissing_one": "{{count}} deposit or withdrawal isn't in {{appName}} yet — your bank account brings it in.", "depositsMissing_other": "{{count}} deposits and withdrawals aren't in {{appName}} yet — your bank account brings them in.", "alreadyAll": "Everything in this file is already in {{appName}}: {{list}}." }, "skipped": { "unreadable": "couldn't be read", "margin": "margin trade", "cryptoPair": "crypto-to-crypto swap", "notATrade": "not a buy or sell", "pricePrecision": "price too small to store exactly", "unreconciled": "its amounts don't add up to what {{broker}} booked", "unknownCost": "a cost {{broker}} booked that we can't read yet", "coinTransfer": "coins sent in or out — what they cost isn't in this file", "oversold": "sells more than the account holds — an earlier buy is missing", "splitNotApplied": "a share split we still have to apply", "beforeMerger": "from before a merger, which we book by hand", "foreignCurrency": "booked in another currency — not supported yet", "instrumentUnsure": "we're not sure which investment this is", "closeMatch": "looks like a trade you added by hand, but not exactly", "notInFile": "in {{appName}}, but not in this file" }, "accounts": { "pickFor": "Which of your accounts is {{name}}?", "new": "New {{broker}} account", "notSure": "Not sure — send it to us", "whose": "Whose is {{name}}?" }, "submitAll": "Add everything", "doneAll_one": "{{account}} is up to date", "doneAll_other": "{{account}} are up to date", "howTo": { "title": "How do I get my broker's file?", "saxo": [ "In SaxoTraderGO or SaxoInvestor, open Transactions for all your accounts.", "Set the period to Max.", "Show the details and export to Excel. Send that file here." ], "kraken": [ "Sign in to Kraken in a browser — the Kraken apps can't export.", "Open Statements, then Export statement, and choose Ledgers.", "Set the start date before your first deposit, the end date to today, and the format to CSV.", "When the export is ready, download it and send it here — the ZIP as it is, or the CSV inside." ] } }, "lens": { "return": "Return" }, "holdings": { "availableCash": "Cash in investment accounts", "pricesOutdated": "{{names}} may be outdated ({{days}}d+)", "andMoreCount": "+{{count}} more", "asOf": "as of {{date}}", "pricedToday": "at today's prices", "pricedYesterday": "at yesterday's prices", "pricedOn": "at prices from {{date}}", "pricesArrivedToday": "Prices last arrived today at {{time}}", "pricesArrivedYesterday": "Prices last arrived yesterday at {{time}}", "pricesArrivedOn": "Prices last arrived {{day}} at {{time}}", "youPaid": "You paid", "nowWorth": "Now worth", "onSoldShares": "on sold shares", "yourProfit": "Your profit", "perYear": "year", "totalValue": "Total Value", "unrealizedGain": "Unrealized Gain", "stillHolding": "Shares you still own", "inclFees": "incl. fees", "purchases": "purchases", "perShare": "share", "marketPrice": "Market price", "manual": "Manual", "fromTrade": "Last trade", "priceGain": "Price gain", "priceLoss": "Price loss", "dividendsEarned": "Dividends earned", "onSharesYouHold": "on shares you hold", "allTime": "all-time", "ownedFor": "Owned for" }, "cashPage": { "account": "account", "accounts": "Accounts", "noCashData": "No cash data available", "history": "Cash History", "netDeposits": "Net Deposits", "investmentActivity": "Investing", "otherActivity": "Other" }, "positions": { "assets": "Investments", "youSoldFor": "You sold for", "sales": "sales", "showSales": "Show {{count}} individual sales", "hideSales": "Hide individual sales", "asset": "investment", "positionClosed": "Sold", "capitalGain": "Capital gain", "purchases": "purchases", "ifHeldToday": "If held until today", "priceOnly": "price only, excl. dividends", "youRealized": "You realized", "ifHeldWouldBe": "If held today", "difference": "Difference", "missedOut": "Missed out on", "savedBy": "Saved by selling", "wouldBe": "would be", "more": "more", "saved": "Saved", "sameResult": "Same result" }, "intraday": { "title": "Today's Price", "today": "Today", "yesterday": "Yesterday", "sessionTitle": "Price on {{day}}", "close": "Close {{time}}", "refresh": "Refresh", "refreshing": "Refreshing…", "delayed": "~15 min delay", "delayedTooltip": "Prices from this exchange are ~15 minutes behind. Refresh fetches the latest available.", "notLinked": "Link this asset to a data provider to see today's prices.", "marketClosed": "Closed", "marketPre": "Before open", "marketPost": "After close", "marketOpen": "Open", "asOf": "As of {{time}}", "realtime": "Real-time", "loading": "Loading today's prices…", "error": "Couldn't load today's prices.", "empty": "No intraday data, market is closed or hasn't opened yet." }, "priceSheet": { "sincePurchase": "Since purchase", "price": "Price", "avgCost": "Avg Cost", "unrealizedPL": "Unrealized gain/loss", "totalValue": "Value", "totalCost": "Cost", "shares": "shares", "viewPrice": "Price {{symbol}}", "viewValue": "Value", "viewReturn": "Result %", "viewMonthly": "Monthly result {{symbol}}", "viewMonthlyPct": "Monthly result %", "viewPLEuro": "Result {{symbol}}", "viewPriceDesc": "Tracks the market price against what you paid. Green = you'd profit if you sell all, red = you'd take a loss.", "viewValueDesc": "Total value of your investment vs total amount invested. Shows how your money grew or shrank.", "viewReturnDesc": "Your overall return as a percentage over time. Above 0% means you're in profit.", "viewPLEuroDesc": "Your unrealized profit or loss over time in euros. Above zero means you're making money on this investment.", "viewMonthlyDesc": "Profit or loss per month in euros. Green bars = months that made you money, red = months that cost you.", "viewMonthlyPctDesc": "Monthly price change as a percentage. Green bars = months the price went up, red = months it went down.", "monthlyReturn": "Monthly result", "quarterlyReturn": "Quarterly result", "annualReturn": "Annual result", "returnPct": "Result", "marketDoDDesc": "How much the price went up or down compared to yesterday.", "marketMoMDesc": "How much the price went up or down compared to one month ago.", "marketYoYDesc": "How much the price went up or down compared to one year ago.", "viewChange": "Change", "viewChangeDesc": "Total gain or loss since the start of the period, shown as a percentage.", "holdingPeriodNote": "Investment data starts from {{date}}.", "viewDoD": "Day %", "viewMoM": "Month %", "viewYoY": "Year %", "unitTotal": "Total", "movingAverage": "{{days}}-day average", "markerBought": "Bought", "markerSold": "Sold", "markerDividend": "Dividend", "unitDay": "Day", "unitMonth": "Month", "unitYear": "Year", "periodToday": "Today", "noDataYoY": "Needs 2+ years of price data for year-over-year comparison.", "noDataMoM": "Needs 2+ months of price data for month-over-month comparison.", "noDataDoD": "Needs 2+ days of price data for day-over-day comparison.", "inclFees": "incl. fees", "chartModeMarket": "Market", "chartModePosition": "My investment", "priceHistory": "Price History", "myPosition": "My investment", "sharesHeld": "Shares held", "priceChanges": "Price changes", "noDataMonthly": "No investment data available for this period." }, "form": { "editTransaction": "Edit Transaction", "owner": "Owner", "quantity": "Quantity", "unitPrice": "Unit Price (€)", "brokerFee": "Broker fee (€)", "grossAmount": "Gross Amount (€)", "netAmount": "Net Amount (€)", "netAboveGross": "What arrived can’t be more than the gross amount: the tax is the difference.", "taxAmount": "Tax Amount (€)", "cancel": "Cancel", "saveChanges": "Save Changes", "delete": "Delete", "deleting": "Deleting…", "deleteFailed": "Couldn't delete this transaction.", "saveFailed": "Couldn't save this transaction.", "deleteSucceeded": "Transaction deleted.", "deleteBlockedBuyMatched": "Can't delete, downstream sells reference this buy. Delete the sells first.", "splitLocked": "This trade's result is split with {{name}}. Editing it here would lose that split.", "splitLockedUnknown": "This trade's result is split with someone else. Editing it here would lose that split.", "deleteBlockedFunded": "{{name}} paid part of this purchase. Remove that first, then delete it.", "ownerMismatchesAccount": "Doesn't match this account's owner ({{account}}).", "date": "Date", "asset": "Investment", "assetLockedHint": "To change the investment, delete and recreate the transaction.", "buyMatchedLockedHint": "Locked, downstream sells rely on this buy. Delete and recreate to change.", "sellManualMatchesWarning": "Saving will reset manual lot assignments back to FIFO. Re-assign lots below to keep your selection.", "addNewTransaction": "Add New Transaction", "recordActivity": "Record a new investment activity", "transactionDate": "Transaction Date", "selectOwner": "Select owner", "pleaseSelectOwner": "Please select an owner.", "transactionType": "Transaction Type", "selectAsset": "Select Investment", "chooseAsset": "Choose an investment", "taxPercentage": "Tax Percentage (%)", "taxWithheld": "Tax withheld at source", "taxWithheldDesc": "Check if taxes were automatically deducted", "addTransaction": "Add Transaction" }, "wizard": { "typeStep": { "title": "What happened?", "bought": "I bought", "sold": "I sold", "gotMoney": "I got money", "gotMoneyDesc": "A dividend, interest or a bonus", "paidCost": "I paid a cost", "paidCostDesc": "A fee your bank or broker charged", "movedMoney": "I moved money", "movedMoneyDesc": "To another account or something you own", "somethingElse": "Something else", "somethingElseDesc": "Free shares, or an investment that went to zero" }, "accountStep": { "questionBuy": "Which account did you buy in?", "questionSell": "Which account did you sell from?", "questionPaid": "Which account was it paid into?", "questionFee": "Which account was charged?", "questionFree": "Which account did they arrive in?", "questionHeld": "Which account holds it?", "questionImport": "Which account is the statement for?" }, "types": { "buy": "Buy", "sell": "Sell", "dividend": "Dividend", "interest": "Interest", "fee": "Fee", "needsAssets": "Buy an investment first", "delisting": "Delisted or worthless", "delistingDesc": "Write off an investment that dropped to zero", "cashReward": "Cash reward", "cashRewardDesc": "A cash bonus from your bank or broker", "freeShares": "Free shares", "freeSharesDesc": "Bonus or referral shares you received" }, "assetStep": { "dividendQuestion": "Which investment paid the dividend?", "youHold": "You hold {{quantity}}", "isinHint": "Tip: for an exact match, search the ISIN, the 12-character code on your statement (e.g. IE00B4L5Y983).", "noMatch": "No investments match \"{{search}}\"", "nothingToSell": "Nothing to sell in this account", "nothingToSellHint": "Add what you bought first — then you can record selling it.", "questionBuy": "What did you buy?", "questionSell": "What did you sell?", "questionFree": "Which shares did you get?", "questionWriteOff": "Which investment went to zero?" }, "amountStep": { "dividendTitle": "How much dividend did {{code}} pay into your account?", "interestTitle": "How much interest landed in your account?", "rewardTitle": "How much was the bonus?", "feeTitle": "How much was the fee?", "beforeTax": "Before tax", "copyTax": "Copy the tax from your statement — 0 if there was none.", "taxCarriedDividend": "Tax as on this investment's last dividend here.", "taxCarriedInterest": "Tax as on your last interest here.", "taxAboveAmount": "That's more tax than the whole amount. Check the tax on your statement.", "currencyLabel": "Amount currency", "declaredIn": "Declared in {{currency}}", "creditedIn": "Credited in {{currency}}", "quotedIn": "Quoted in {{currency}}", "settledIn": "Settled in {{currency}}", "landedHint": "What reached your account, after any tax taken off." }, "writeOffStep": { "question": "Write off {{name}}?", "youHold": "You currently hold", "explanation": "Your shares count as sold for €0 — a loss of about {{loss}}." }, "grantStep": { "valuePerShare": "Value per share", "valueReceived": "Value received", "explanation": "That's {{value}} of income. No money left your account.", "question": "What was one share worth?", "inKindExplanation": "That is {{value}} in units. No money left or reached your account." }, "reviewStep": { "title": "Is this right?", "quantity": "Quantity", "taxWithheld": "Tax already taken", "taxPending": "Tax you still owe", "tax": "Tax", "totalCost": "You paid", "netProceeds": "You got", "unitsWrittenOff": "Shares", "lossBooked": "Your loss", "noCashHint": "No money left your account.", "leftAfter": "You'll have {{quantity}} left.", "sentence": { "buy": "On {{date}} you bought {{quantity}} {{asset}} for {{amount}} in {{account}}.", "sell": "On {{date}} you sold {{quantity}} {{asset}} for {{amount}} in {{account}}.", "dividend": "On {{date}}, {{asset}} paid you {{amount}} in {{account}}.", "interest": "On {{date}} you received {{amount}} interest in {{account}}.", "fee": "On {{date}} you paid a {{amount}} fee in {{account}}.", "cashReward": "On {{date}} {{account}} gave you a {{amount}} bonus.", "freeShares": "On {{date}} you got {{quantity}} {{asset}} for free, worth {{amount}}.", "delisting": "On {{date}}, your {{quantity}} {{asset}} went to zero." }, "youKeep": "You keep", "taxOutside": "{{label}} of {{amount}} isn't in this total — you'll pay it yourself." }, "buttons": { "submit": { "buy": "Add purchase", "sell": "Add sale", "dividend": "Add dividend", "interest": "Add interest", "fee": "Add fee", "cashReward": "Add bonus", "freeShares": "Add free shares", "delisting": "Write it off" } }, "lotSelection": { "title": "Which shares did you sell?", "autoFifo": "Oldest first (recommended)", "autoFifoDesc": "The shares you bought first go first", "manual": "I'll choose", "manualDesc": "Pick which purchases these came from", "available": "Available", "allocate": "Use", "remaining": "remaining", "overAllocated": "{{amount}} too many", "fullyAllocated": "All matched", "noOpenLots": "No shares left to sell here", "loadingLots": "Loading your purchases…" }, "kindStep": { "moneyTitle": "What kind of money?", "otherTitle": "What else happened?", "dividend": "A dividend", "dividendDesc": "Paid by an investment you hold", "interest": "Interest", "interestDesc": "On cash in this account" }, "dateStep": { "title": "When was it?", "today": "Today", "yesterday": "Yesterday", "otherDay": "Another day", "pickDate": "Pick a date", "tradeHint": "The trade date on your statement.", "paymentHint": "The day the money landed." }, "quantityStep": { "buyTitle": "How many {{code}} did you buy?", "sellTitle": "How many {{code}} did you sell?", "freeTitle": "How many {{code}} did you get?", "sellAll": "Sell all {{quantity}}", "half": "Half", "exceedsAvailable": "You only hold {{quantity}}, can't sell more than that." }, "statementHint": { "in": "Everything that came into your account — after the fee and tax.", "out": "Everything that left your account — the fee and tax included." }, "totalStep": { "buyTitle": "How much did you pay in total?", "sellTitle": "How much did you get in total?", "priceInLine": "That's {{price}} per share — in line with {{code}} that day.", "priceOff": "That makes {{price}} per share, but {{code}} closed at {{close}} that day.", "didYouMean": "Did you mean {{amount}}?", "copyCosts": "Copy the fee and tax from your statement.", "costsCarried": "Fee and tax as on your last trade of this investment here.", "editCosts": "Not the same on your statement?", "sharesTimesPrice": "{{quantity}} × {{price}}", "belowCosts": "That's less than the fee and tax together. Check the total on your statement." }, "originStep": { "buyTitle": "How did you get it?", "sellTitle": "Where did it go?", "bought": "I bought it", "received": "I was given it", "inherited": "I inherited it", "movedIn": "Moved in from an account of mine", "sold": "I sold it", "givenAway": "I gave it away", "movedOut": "Moved to an account of mine" }, "personStep": { "fromTitle": "Who from?", "toTitle": "Who to?" } }, "funding": { "open": "Someone else paid part of this", "who": "Who paid part?", "someoneNew": "Someone new", "namePlaceholder": "Their name", "amount": "How much did {{name}} put in?", "share": "That makes {{pct}}% of this purchase {{name}}'s", "hint": "Their share follows from the amount, fees and tax included", "remove": "Never mind, it's all mine", "needName": "Give them a name", "overCap": "Can't be more than the purchase cost ({{cap}})", "needAmount": "Enter the amount they put in", "saveFailed": "The trade was saved, but who paid part of it wasn't. Open the transaction to try again.", "reviewLabel": "Paid in part by {{name}}" }, "accountSelector": { "allAccounts": "All accounts", "all": "All", "addAccount": "Add investment account", "clearFilter": "Clear filter: {{account}}", "add": "Add", "cash": "Cash", "show": "Show", "oneAccount": "One account", "oneAccountIn": "One account in {{name}}" }, "lotPicker": { "max": "Max", "fillRemaining": "Fill remaining", "allocated": "allocated", "statusAllocated": "Allocated", "statusOpen": "Open", "perUnit": "/unit" }, "lotMatches": { "title": "Lot Matches", "lotsCount": "{{count}} lots", "totalLots": "lots", "matchedToSale": "in this sale", "buyDate": "Date", "qty": "Qty", "costPerUnit": "Price", "gainLoss": "Gain", "holdingDays": "Days", "status": "Status", "total": "Total", "reassign": "Reassign lots manually...", "cancelReassign": "Cancel reassignment", "noMatches": "No lot matches found for this sell transaction.", "statusThisSale": "This sale", "statusOpen": "Open", "statusPartial": "Partly sold", "statusSoldElsewhere": "Other sale", "costBasis": "Cost Basis" }, "addPrice": { "title": "Add Price", "asset": "Investment", "selectAsset": "Select investment", "date": "Date", "price": "Price", "currency": "Currency", "currencyMismatch": "Asset currency is {{assetCurrency}}, but you're entering price in {{priceCurrency}}", "cancel": "Cancel", "adding": "Adding...", "addPrice": "Add Price", "addShort": "Add", "noPricesYet": "No prices recorded yet.", "close": "Close", "feedSourcedBanner": "Price data sourced from {{source}}", "linked": "Linked" }, "ownership": { "badge": "There are {{total}} units on your account. {{own}} are yours, the other {{theirs}} are {{name}}'s.", "badgeMany": "There are {{total}} units on your account. {{own}} are yours, the other {{theirs}} belong to {{count}} other people.", "heldFor": "{{name}}'s part, not yours", "onAccount": "Together on your account", "alsoHeldFor": "This is only your part. {{name}} chipped in on some of these investments, so {{name}}'s {{amount}} isn't counted here.", "alsoHeldForMany": "This is only your part. {{count}} other people chipped in on some of these investments, so their {{amount}} isn't counted here." }, "assetDetail": { "lotsYearCount": "{{count}} lots", "accountsCount": "{{count}} accounts", "purchasesCount": "{{count}} purchases", "api": "API", "manual": "Manual", "details": "Details", "openPosition": "Open {{name}}", "edit": "Edit", "name": "Name", "symbol": "Symbol", "type": "Type", "isin": "ISIN", "exchange": "Exchange", "currency": "Currency", "save": "Save", "cancel": "Cancel", "close": "Close", "position": "Your investment", "quantity": "Quantity", "shares": "shares", "avgCost": "Avg Cost", "priceData": "Price Data", "addPriceBtn": "+ Add Price", "waitingForData": "Waiting for price data...", "asOf": "as of {{date}}", "manualOverrides": "Manual Overrides", "manualPrices": "Manual Prices", "deletePrice": "Delete price", "noPriceData": "No price data yet", "addFirstPrice": "Add first price manually", "confirmDelete": "Delete this price entry?", "lots": "Purchase History", "lotsSummary": "{{count}} · {{invested}} invested", "lotsOpenLabel": "open", "lotsSoldLabel": "sold", "lotOpen": "Open", "viewMarketContext": "View market data (daily / monthly / yearly changes)", "lotClosed": "Sold", "lotIfHeld": "if held", "lotRemaining": "remaining", "lotCost": "cost/unit", "noLots": "No buy lots for this asset", "lotSoldSeeRealized": "See realized", "lotUnknownAccount": "Unknown account", "lotAccount": "Account", "lotInvested": "Invested", "lotValue": "Value", "lotTradePrice": "Trade price", "lotGainSinceBuy": "since buy", "lotGainRealized": "realized", "lotSoldOn": "Sold on", "lotYouPaid": "You paid", "lotWorthMore": "Worth {{amount}} more now ({{pct}})", "lotWorthLess": "Worth {{amount}} less now ({{pct}})", "lotWorthFlat": "Worth about the same now", "lotMadeSelling": "Made {{amount}} selling ({{pct}})", "lotLostSelling": "Lost {{amount}} selling ({{pct}})", "lotHeldFor": "held {{duration}}", "purchasesUnit": "purchases", "accountsCount_one": "{{count}} account", "accountsCount_other": "{{count}} accounts", "purchasesCount_one": "{{count}} purchase", "purchasesCount_other": "{{count}} purchases", "sellsCount_one": "{{count}} sale", "sellsCount_other": "{{count}} sales", "dividendsCount_one": "{{count}} dividend", "dividendsCount_other": "{{count}} dividends", "activity": "Transactions", "openPositionTitle": "Current investment", "openPositionTitleAsOf": "Investment on {{date}}", "breakEven": "Break-even", "paidOut": "plus {{amount}} paid out", "lotsYearCount_one": "{{count}} lot", "lotsYearCount_other": "{{count}} lots", "unrealizedGain": "Unrealized gain", "performanceSummary": "Performance Summary", "currencyMismatchWarning": "Currency mismatch: asset is denominated in {{assetCurrency}} but prices are recorded in {{priceCurrency}}. Returns may not be accurate.", "managePrices": "Manage Prices", "market": "Market", "compare": "Compare with Others", "compareNoOverlap": "These investments don't have price history for the same dates, so they can't be compared.", "compareExplanation": "All lines start at 0% so you can compare fairly, a line at +10% means that asset gained 10% over this period.", "clearCompare": "Clear all", "compareNoYahooData": "Yahoo Finance has no price history for {{name}}. Cannot compare.", "comparePartialHistory": "{{name}} only has data from {{date}} onwards.", "fundDetails": "Fund Details", "aboutFund": "About this fund", "performanceSection": "Performance", "whatsInside": "What's inside", "sectorBreakdown": "Sector Breakdown", "topHoldings": "Biggest investments", "holdingsOther": "Other", "priceChart": "Price chart", "ter": "TER", "fundFamily": "Fund Family", "assetCategory": "Category", "inceptionDate": "Inception", "dataAsOf": "Data as of {{date}}", "lotSaved": "saved", "lotsFees": "fees", "lotDate": "Date", "lotQty": "Qty", "lotPrice": "Price", "lotFeesCol": "Fees", "lotStatus": "Status", "lotGain": "Gain", "lotStatusPartial": "Partly sold", "lotSeeHoldings": "See investments", "lotDays": "Days", "totalGain": "Total gain", "realizedGain": "Realized gain", "moreViews": "More", "marketData": "Price Trends", "marketDataDesc": "How this asset's price has moved, independent of your buys or sells.", "compareHint": "Pick investments above to see how they performed side by side." }, "dividends": { "title": "Dividend History", "noDividends": "No dividend payments recorded", "receipt": "{{gross}} gross − {{tax}} tax", "receiptOwed": "{{gross}} gross · {{tax}} tax still to pay", "totalReceived": "Total received" }, "benchmark": { "savingsAccount": "Savings {{rate}}%", "yourReturn": "Your return", "ahead": "Your investments are {{value}} ahead of a savings account", "behind": "A savings account would have earned {{value}} more", "customRate": "Custom savings rate", "settings": { "title": "Compare to a savings account", "description": "Show how your investments stack up against the same money in a savings account.", "enable": "Show comparison", "rateLabel": "Savings rate" } }, "performanceTab": { "viewValue": "Investments value", "viewValueShort": "Worth", "kpiLastMonth": "Last month", "kpiWithoutDividends": "Without dividends", "kpiWithDividends": "With dividends", "kpiNoteHoldings": "Investments only: dividends and realized gains excluded", "kpiNoteIncludes": "Includes realized gains and dividends", "kpiNoteIncludesNoDiv": "Includes realized gains (no dividends received yet)", "tooltipInvested": "Invested", "tooltipPriceGain": "Price gain", "tooltipPriceLoss": "Price loss", "tooltipPurchaseCosts": "Purchase costs", "tooltipValueChange": "Value change", "tooltipThisMonth": "This month", "tooltipTotalReturn": "Total return", "tooltipMissingPrices": "{{count}}/{{total}} investments missing price data", "viewPLEuro": "Result {{symbol}}", "viewPLEuroShort": "Result {{symbol}}", "viewReturn": "Result %", "viewReturnShort": "Result %", "viewMonthly": "Monthly result {{symbol}}", "viewMonthlyShort": "Monthly {{symbol}}", "viewMonthlyPct": "Monthly result %", "viewMonthlyPctShort": "Monthly %", "sectionGrowth": "Portfolio growth", "sectionMonthly": "Monthly breakdown", "descriptionValue": "Market value of your investments (solid line) vs what you paid for them (dashed line). The gap is your unrealized profit or loss. Dividends and realized gains are not shown here: see Result € for the full picture.", "descriptionPnl": "Your total investment return in euros, unrealized gains, realized gains from sales, and dividends combined. Above zero = you earned more than you invested.", "descriptionReturn": "Your total return as a percentage of what you invested. Above 0% = in profit. Select a benchmark to compare your performance.", "descriptionMonthlyEuro": "How your total return changed each month in euros. Includes price changes, realized gains, and dividends. Green = positive, red = negative.", "descriptionMonthlyPercent": "Your monthly return as a percentage. Shows how much your investments gained or lost each month relative to your cost basis.", "period": "Period", "compareTo": "Compare to", "assets": "Investments", "noBenchmark": "No benchmark", "fixedReturn": "Fixed annual return", "indexFund": "Index fund", "perYear": "per year", "pnlDrawer": { "filteredTo": "Filtered view, only: {{types}}", "subtitle": "Monthly Summary", "closedBadge": "CLOSED", "startOfMonth": "Start of Month", "endOfMonth": "End of Month", "whatHappened": "What Happened", "firstMonth": "This is your first month of investing, no prior data to compare.", "unrealizedPnl": "Unrealized P&L", "holdings": "Investments", "invested": "Invested", "cash": "Cash", "purchases": "Purchases", "purchase": "purchase", "sales": "Sales", "sale": "sale", "dividends": "Dividends", "fees": "Fees", "marketMovements": "Market Movements", "monthResult": "Month Result", "bestMonth": "Best month", "worstMonth": "Worst month", "realized": "Realized", "newBadge": "NEW", "assets": "investments", "vsBenchmark": "vs" }, "pageDescription": "Returns, benchmarks, and detailed P&L breakdown over time.", "description": "Your investment performance over time. Cash and interest are excluded: only investments, realized gains, and dividends count." }, "allocationTab": { "description": "This shows how your current portfolio is distributed based on today's market values, not what you originally paid. Use it to spot concentration risk or rebalancing opportunities.", "filterLabel": "Showing allocation for" }, "returnsTab": { "badgeRealized": "Realized", "description": "Your actual investment gains and losses: unrealized gains on investments you still own, realized profits from sales, and income earned from dividends and interest.", "filterLabel": "Showing returns for", "yourReturns": "Your Returns", "totalReturn": "Total Return", "periodReturn": "Period Return", "unrealized": "unrealized", "realized": "realized", "income": "income", "realizedPlusIncome": "realized + income", "unrealizedGain": "Unrealized Gain", "unrealizedLoss": "Unrealized Loss", "realizedGains": "Realized Gains", "dividends": "Dividends", "interest": "Interest", "allTimeSnapshot": "All-time snapshot", "incomeFocused": "Income-focused", "balanced": "Balanced", "growthFocused": "Growth-focused", "incomeLabel": "Income", "growthLabel": "Growth", "topPerformers": "Top Performers", "makingYouMoney": "Making you money", "draggingYouDown": "Dragging you down", "badgeUnrealized": "Unrealized", "badgeDividends": "Dividends", "realizedGainsOverTime": "Realized Gains Over Time", "gains": "Gains", "losses": "Losses", "incomeOverTime": "Income Over Time" }, "pricesTab": { "title": "Price History", "noPriceCards": "No investments with price data to display.", "filterLabel": "Showing investments from", "allAccounts": "all accounts", "filterCurrent": "Currently held", "filterCurrentDesc": "Investments you own right now", "filterAllTraded": "All traded", "filterAllTradedDesc": "Every investment you've ever bought or sold", "noLinkedAssets": "No investments linked to market data.", "selectAssetsHint": "Click an asset above to add or remove it from the chart", "noDataForPeriod": "No price data available for selected period", "zoomHint": "Shift + scroll to zoom in/out", "viewPrice": "Price (€)", "viewPriceDesc": "The actual market price in euros. Each point on the chart is what one unit of the asset was worth on that day.", "viewPercent": "Change (%)", "viewPercentDesc": "Shows how much each investment gained or lost since the left edge of the chart. Everything starts at 0% so you can easily compare investments with very different prices.", "viewDoD": "Day %", "viewDoDDesc": "Each point shows how much the price moved since yesterday. A spike means a big daily jump; a flat line near 0% means stable days.", "viewMoM": "Month %", "viewMoMDesc": "Each point shows the % change over the past 30 days. If the line is at +5%, the price is 5% higher than it was a month before that point.", "viewYoY": "Year %", "viewYoYDesc": "Each point shows the % change over the past 12 months. If the line is at +20%, the price is 20% higher than it was a year before that point.", "viewModesHelp": "What do these chart modes mean?", "compareOverview": "Compare", "compareHint": "Tap an asset above to compare it against the selected one.", "weekRange": "52-week range", "fromHigh": "from high", "fromLow": "from low", "avgCost": "Your avg cost", "belowCost": "below your cost", "aboveCost": "above your cost", "nearLow": "Near 52w low", "nearHigh": "Near 52w high", "midRange": "Mid range", "buysLabel_one": "buy", "buysLabel_other": "buys", "sellsLabel_one": "sell", "sellsLabel_other": "sells", "marketViews": "Market data", "subtitle": "Market prices over time, this shows how asset prices moved, not your portfolio value or gains.", "description": "See how each investment's price has been moving. Tap a card for the full story, including your buy and sell moments.", "galleryDescription": "Tap any card to see full price details and manage overrides.", "autoUpdates": "Auto-updates", "weekLow": "52w Low", "weekHigh": "52w High", "current": "Current", "marketData": "Market data", "positionViews": "My investment" }, "explore": { "researchTitle": "Research", "researchDescription": "Look up any stock, ETF, or crypto to see its price history and compare it with others.", "searchPlaceholder": "Search by name, ticker or ISIN...", "emptyStateHint": "While you set up your first account, you can still explore the market and compare investments.", "loadingHistory": "Fetching price history…", "noHistory": "No price history available for this asset yet.", "catalogEmpty": "No other investments to browse yet. Search above to discover one.", "noPrice": "No price", "showAll": "Show {{count}} more", "showLess": "Show less", "ownedBadge": "Owned", "compositionTitle": "What's inside", "priceTitle": "Price", "todayChange": "today", "sessionChange": "on {{day}}", "assetExistsHidden": "This asset already exists in your household but isn't shared with your account. Ask your partner to record the transaction, or check the relationship sharing settings." }, "masterPicker": { "startTyping": "Start typing to find an asset.", "keepTyping": "Keep typing, at least 2 characters.", "searchingListings": "Searching exchanges…", "pricesUnavailable": "Live prices unavailable right now, showing every listing. Try again in a minute for the full filter.", "validating": "Validating…", "fetchingPrices": "Fetching prices…", "noMatch": "No match in our catalog or on Yahoo.", "noHistoryAnywhere": "That listing has no usable price data, so we removed it from the results. Pick another listing, or add the investment manually.", "currencyUnavailable": "That listing has no reliable prices in {{currency}}, so we removed it from the results. Pick another listing instead.", "addFailed": "Couldn't add this investment. Please try again.", "addManually": "Add manually", "recommendedBadge": "Best match", "noYahooFeed": "No Yahoo price feed for exchange {{exchange}}, add manually instead.", "noYahooFeedBadge": "no Yahoo feed", "isinTip": "Tip: paste an ISIN to see every cross-listing (Xetra, Borsa Italiana, …)." }, "holdingsPage": { "sectionAllocationHistory": "Allocation History", "sectionContributors": "What contributed most", "sectionTrend": "Trend", "currentValue": "Current value" }, "holdingsDetail": { "subtitle": "{{count}} investments · {{value}}", "valueSubtitle": "Investments value · {{value}}", "sectorSublabel": "{{weight}} of {{asset}}", "holdingInFundSublabel": "{{weight}} of this fund", "directPositionSublabel": "Direct investment", "residualNoSector": "No sector published", "residualUnclassifiedPart": "{{weight}} of this fund has no sector", "residualUndisclosed": "Names this fund doesn't publish", "residualBelowChartCut": "Too small for the chart", "empty": "No investments in this slice.", "emptyDescription": "Nothing in this slice traces back to a holding." }, "returnPage": { "story": { "flat": "Nothing moved enough to report this period.", "showAllHoldings": "Show all {{count}} holdings", "openClass": "Open {{noun}}", "showLess": "Show less", "standing": { "onClass": " on {{noun}}", "onAsset": " on {{name}}", "acrossPortfolio": " across your investments", "soFar": { "monthly": " so far this month", "quarterly": " so far this quarter", "yearly": " so far this year" }, "flatSelfPast": "Since you started investing, you were about even overall by {{asOf}}.", "flatSelfPresent": "Since you started investing, you are about even overall{{soFar}}.", "flatClassPast": "Since you started investing, your {{noun}} were about even overall by {{asOf}}.", "flatClassPresent": "Since you started investing, your {{noun}} are about even overall{{soFar}}.", "toProfitSelfPast": "Since you started investing, you moved from a loss to an overall profit of {{money}} by {{asOf}}.", "toProfitSelfPresent": "Since you started investing, you've moved from a loss to an overall profit of {{money}}{{soFar}}.", "toProfitClassPast": "Since you started investing, your {{noun}} moved from a loss to an overall profit of {{money}} by {{asOf}}.", "toProfitClassPresent": "Since you started investing, your {{noun}} have moved from a loss to an overall profit of {{money}}{{soFar}}.", "toLossSelfPast": "Since you started investing, you slipped from a profit to an overall loss of {{money}} by {{asOf}}.", "toLossSelfPresent": "Since you started investing, you've slipped from a profit to an overall loss of {{money}}{{soFar}}.", "toLossClassPast": "Since you started investing, your {{noun}} slipped from a profit to an overall loss of {{money}} by {{asOf}}.", "toLossClassPresent": "Since you started investing, your {{noun}} have slipped from a profit to an overall loss of {{money}}{{soFar}}.", "profitGrownPast": "Since you started investing, your overall profit{{onClause}} had grown to {{money}} by {{asOf}}.", "profitGrownPresent": "Since you started investing, your overall profit{{onClause}} has grown to {{money}}{{soFar}}.", "profitEasedPast": "Since you started investing, your overall profit{{onClause}} had eased to {{money}} by {{asOf}}.", "profitEasedPresent": "Since you started investing, your overall profit{{onClause}} has eased to {{money}}{{soFar}}.", "profitHeldPast": "Since you started investing, your overall profit{{onClause}} held at {{money}} by {{asOf}}.", "profitHeldPresent": "Since you started investing, your overall profit{{onClause}} holds at {{money}}{{soFar}}.", "lossGrownPast": "Since you started investing, your overall loss{{onClause}} had grown to {{money}} by {{asOf}}.", "lossGrownPresent": "Since you started investing, your overall loss{{onClause}} has grown to {{money}}{{soFar}}.", "lossShrunkPast": "Since you started investing, your overall loss{{onClause}} had shrunk to {{money}} by {{asOf}}.", "lossShrunkPresent": "Since you started investing, your overall loss{{onClause}} has shrunk to {{money}}{{soFar}}.", "lossHeldPast": "Since you started investing, your overall loss{{onClause}} held at {{money}} by {{asOf}}.", "lossHeldPresent": "Since you started investing, your overall loss{{onClause}} holds at {{money}}{{soFar}}." } }, "tooltip": { "componentInProfit": "in profit", "componentInLoss": "in loss", "componentProfitGrew": "profit grew", "componentProfitShrank": "profit shrank", "componentSlippedIntoLoss": "slipped into loss", "componentBackInProfit": "back in profit", "componentLossShrank": "loss shrank", "componentLossGrew": "loss grew", "componentRealizedGain": "sold at profit", "componentRealizedLoss": "sold at loss", "componentDividends": "dividends" }, "summary": { "scopeUnrealized": "Current investments", "scopeRealized": "Sold investments", "scopeDividends": "Cash received" }, "groupByAsset": "Investment", "groupByType": "Type", "viewSummary": "Summary", "gainers": "Gainers", "losers": "Losers", "sectionOverTime": "Return over time", "sectionBreakdown": "Returns breakdown", "sectionMonthly": "Monthly returns", "sectionTrend": "Return trend", "underperformers": "Underperformers", "tabMonthly": "Monthly", "tabTrend": "Trend", "viewBar": "Bar", "viewMap": "Map", "drawer": { "storyPlain": "{{name}} returned {{total}} ({{pct}}).", "storyLed": "{{name}} returned {{total}} ({{pct}}). {{leader}} led with {{leaderAmt}}.", "storyDrag": "{{name}} returned {{total}} ({{pct}}). {{leader}} led with {{leaderAmt}}, while {{laggard}} pulled back {{laggardAmt}}.", "storyHeaviest": "{{name}} returned {{total}} ({{pct}}). {{laggard}} weighed heaviest at {{laggardAmt}}." } }, "investedPage": { "viewAll": "View all", "sectionTrend": "Trend" }, "dividendsPage": { "drawerStory": "{{count}} dividend payments from {{asset}}", "realized": "From sold investments", "neverTitle": "No dividends yet", "neverDescription": "Once your investments start paying out, dividend income will appear here. Stocks and ETFs with dividend policies distribute income periodically, so keep tracking your portfolio and they'll show up automatically.", "noPeriodTitle": "No dividends in {{period}}", "noPeriodDescription": "Your portfolio didn't pay out during this period. See the trend below for your full dividend history.", "sectionPerAsset": "Per investment", "sectionHistory": "Dividend history", "drawerStory_one": "{{asset}} paid out once.", "drawerStory_other": "{{asset}} paid out {{count}} times.", "drawerTotal": "Total received", "taxNoun": "in withheld tax" }, "tradedPage": { "drawerStoryBought": "{{count}} purchases of {{asset}}", "drawerStorySold": "{{count}} sales of {{asset}}", "sectionOverTime": "Activity over time", "emptyBoughtTitle": "No purchases yet", "emptyBoughtDescription": "Buy transactions will appear here once you record them.", "emptySoldTitle": "No sales yet", "emptySoldDescription": "Sell transactions will appear here once you record them.", "noPeriodBoughtTitle": "No purchases in {{period}}", "noPeriodSoldTitle": "No sales in {{period}}", "noPeriodDescription": "Navigate to another period to see activity.", "drawerStoryBought_one": "You bought {{asset}} once.", "drawerStoryBought_other": "You bought {{asset}} {{count}} times.", "drawerStorySold_one": "You sold {{asset}} once.", "drawerStorySold_other": "You sold {{asset}} {{count}} times.", "drawerTotalBought": "Total spent", "drawerTotalSold": "Total received", "includes": "Includes {{items}}", "afterCosts": "After {{items}}", "feeNoun": "in fees", "taxNoun": "in tax" }, "contributionsTab": { "description": "Money deposited into and withdrawn from your investment accounts over time. Use it to see your net investment and spot contribution patterns." }, "table": { "cash": "Cash" }, "rules": { "title": "Test a rule against history", "intro": "Check whether a signal actually meant anything, or whether the move was already gone by the time you could buy.", "hero": { "caption": "What buying {{target}} on this signal would have got you", "captionIdle": "Pick a signal and something to buy" }, "sections": { "rule": { "headline": "The rule", "explainer": "Write it as one sentence. Everything below re-runs as you change it." }, "timing": { "headline": "Were you on time?", "explainer": "Every time {{signal}} did this, here is what {{target}} did next, measured from the close you could actually buy at. The grey line is what any random day looked like. Where the two run together, there was nothing left to collect." }, "horizons": { "headline": "The numbers, against a random day", "explainer": "Being up after {{days}} days means nothing on its own. It only counts if it beats what any other {{days}} days would have given you." }, "split": { "headline": "Does it hold up?", "explainer": "The same rule, measured separately on the first and second half of the history. A rule that only worked in one half found a market episode, not a signal." }, "episodes": { "headline": "Every trade it would have made", "explainer": "So you can check the summary instead of trusting it. Note how the buy date is always after the day the rule fired." }, "mining": { "headline": "Let it search for a rule", "explainer": "Score every trigger in the grid, then check the winner against the best rule the same search finds on data where the signal cannot possibly work." }, "costs": { "headline": "What it keeps after costs", "explainer": "The figures above are price moves. These are what would have landed in your account after the spread, the commission and the tax." } }, "builder": { "when": "When", "moves": "moves", "up": "up", "down": "down", "over": "over", "tradingDays": "days", "buy": "buy", "atNextClose": "at the next close", "exitsLabel": "Sell again when", "afterDays": "After", "takeProfit": "Take profit at", "stopLoss": "Stop loss at", "reversal": "Signal reverses", "windowLabel": "Window", "kindMove": "Moves by %", "kindCross": "Averages cross", "kindAria": "Kind of rule", "above": "above", "below": "below", "crosses": "crosses", "presetAria": "Which pair of averages", "crossDirectionAria": "Which way the faster average crosses", "exitsHint": "Whichever triggers first. A stop loss measures from your buy price; a trailing stop measures from the highest close since, so it locks in gains as the trade moves. With none ticked, the position is held to the end of the history.", "signalAria": "Signal instrument", "targetAria": "Instrument to buy", "directionAria": "Direction of the move", "thresholdAria": "Size of the move, in percent", "lookbackAria": "Number of trading days the move is measured over", "afterDaysAria": "Sell after this many trading days", "takeProfitAria": "Sell once it is up this many percent", "stopLossAria": "Sell once it is down this many percent", "reversalAria": "Sell once the signal reverses by this many percent", "trailingStop": "Trailing stop", "trailingStopAria": "Trailing stop, in percent from the highest close since buying", "since": "since {{date}}" }, "stats": { "fired": "Times it fired", "missed": "Missed by waiting", "missedSub": "trigger close to your buy", "winShare": "Ended up", "ofClosed": "of {{count}} finished trades", "payoff": "wins {{win}} / losses {{loss}}", "expectancy": "Per trade", "expectancySub": "average; median {{value}}" }, "timing": { "afterRule": "After the rule fired", "afterAnyDay": "After any day", "dayLabel": "Day {{day}} after buying", "fromEpisodes": "from {{count}} times it fired", "axisHint": "Trading days after the day you bought. Both lines start at zero on the day of the buy." }, "priceChart": { "legendBought": "The rule bought", "legendSold": "The rule sold", "boughtOn": "The rule bought here, after firing on {{date}}", "sold": "The rule sold here, {{days}} days later: {{result}}", "axisHint": "The instrument's own price, with every trade the rule would have made marked on it.", "openNote": "A position still open at the end has a buy but no sell.", "dashesDropped": "{{count}} trade days is too many to draw a line at each, so only the triangles are shown." }, "horizons": { "horizon": "Held for", "afterRule": "After the rule", "afterAnyDay": "After any day", "edge": "Difference", "upShare": "Ended up", "days": "{{days}} days", "ofEntries": "({{count}} entries, ~{{effective}} independent)", "footnote": "Averages across every time the rule fired. The last column compares how often the rule ended up against how often any day did." }, "allocation": { "remaining": "{{pct}}% left to assign", "over": "{{pct}}% too much" }, "split": { "firstHalf": "First half", "secondHalf": "Second half", "edgeCaption": "difference over {{days}} days, from {{count}} times it fired", "noEntries": "It never fired in this half.", "flipped": "The two halves disagree: the rule helped in one and hurt in the other. That is what a rule fitted to one market episode looks like, and it is a reason to distrust the overall number above.", "consistent": "Both halves land in the same place, at a similar size. That is the least you would want to see, not proof: five years is roughly one market regime.", "unstable": "Both halves point the same way, but the size moves by more than triple between them. An edge that swings that far has not found something constant, so treat the overall number above as a range rather than a figure.", "thin": "One half only has {{count}} entries, under the {{minimum}} this needs to mean anything, so the two halves cannot be compared. Whatever they show is noise, in either direction." }, "episodes": { "fired": "Rule fired", "bought": "Bought", "sold": "Sold", "held": "Days held", "result": "Result", "stillOpen": "Still open", "notScored": "not counted", "none": "This rule never fired in the tested window. Try a smaller move, or a longer lookback.", "reason": { "time": "time", "takeProfit": "target hit", "stopLoss": "stop hit", "signalReversal": "signal reversed", "windowEnd": "end of history", "trailingStop": "trailing stop" } }, "honesty": { "thinSample": "This rule fired {{count}} times that do not overlap. Overlapping trades measure mostly the same days, so the real evidence is far thinner than the raw count suggests, and too thin to conclude anything.", "skipped": "Fired {{fired}} times, traded {{taken}} of them. The other {{skipped}} fired while a position was already open.", "noCosts": "Every figure above is a price move, before any cost. What is left after the spread, the commission and the tax is the next section, and for a rule that trades often that is most of the answer.", "fxFallback": "Part of this window has no stored exchange rate, so the earliest rate available was used there." }, "empty": { "title": "Nothing to test yet", "noPrices": "There is no price history stored for {{name}}.", "excluded": "{{name}} is priced in a currency with no stored exchange rate history, so it cannot be tested.", "tooShort": "These two instruments do not share enough history to test a rule on." }, "mining": { "intro": "Nothing is searched until you ask. Threshold rules and crossover rules are searched separately: each scores its own grid, picks the best on the first half of the history, and reports it on the second.", "search": "Search every rule", "searchAgain": "Search again", "nothingScorable": "No rule in this family fired often enough to be scored on this pair. {{count}} were skipped for firing too rarely.", "moveFamily": "Threshold rules", "crossFamily": "Crossover rules", "crossSentence": "The {{fast}} and {{slow}} day averages cross {{direction}}", "noLuckFloor": "This rule fires too rarely to test against chance, so there is no luck floor here. Read the score as unverified, not as passed.", "separateFloors": "Each family is searched and scored on its own, so the two counts and the two luck floors are not comparable. Pooling them would move the other family's verdict.", "rulesTried": "Rules tried", "tooRare": "{{count}} fired too rarely", "inSample": "Best found", "inSampleSub": "on the half it was picked on", "outOfSample": "Held up", "outOfSampleSub": "on the half it was not", "luckFloor": "Luck floor", "luckFloorSub": "best of {{count}} fake searches", "bestRule": "Best rule found", "useRule": "Load this rule", "runnersUp": "Next best", "ruleSentence": "Moves {{direction}} {{threshold}}% over {{days}} days", "pickedOn": "{{entries}} entries, picked on history up to {{date}}", "verdictNoise": "Nothing was found. The best of {{count}} rules scored {{best}}, and the same search on meaningless data typically scores {{luck}}. Turning the knobs until something looks good is exactly what this catches.", "verdictWeak": "The winner beats most searches on meaningless data, but it sits inside the range luck alone produces (which reaches {{p90}} here). Out of {{count}} rules tried, that is interesting rather than convincing.", "verdictStrong": "The winner beats 90% of searches on meaningless data, which reached {{p90}}, across {{count}} rules tried. That is the strongest thing this method can say, and it is still not proof." }, "costs": { "tradeSize": "Per trade", "editCosts": "What I pay", "roundTrip": "Round trip", "roundTripSub": "in and out, at this size", "gross": "Before costs", "net": "After costs", "perTrade": "per trade", "bill": "Costs paid", "billSub": "across {{count}} trades", "noneEntered": "No costs entered yet, so \"after costs\" is the same as \"before\". Tell it what your broker charges and these numbers will separate.", "flipped": "Costs turn this rule from a winner into a loser: {{gross}} per trade before them, {{net}} after. Trading it would have cost you money even though the signal was right.", "gainsTax": "Capital gains tax of {{amount}} is included, leaving {{net}} net.", "rareTrader": "A rule that trades this rarely barely pays any costs, so a good figure here is not evidence that it works. For a crossover the binding constraint is how few times it fires, not what trading it costs.", "notModelled": "Still not modelled: slippage beyond the spread, interest on cash between trades, and dividends while holding. Trade size is fixed, so these are per-trade figures rather than a compounding balance.", "settingsTitle": "What trading costs you", "settingsIntro": "The same figures the plan backtest uses. Enter what your broker actually charges. Everything is zero until you do." }, "luck": { "noise": "This rule's {{days}}-day edge is {{edge}}. The exact same rule, run against scrambled data where the signal cannot work, typically scores {{median}}. You have not found anything yet.", "weak": "This rule beats {{share}}% of runs on scrambled data, but pure chance reaches {{p90}} here. Worth keeping an eye on, not worth trusting.", "strong": "This rule beats {{share}}% of runs on scrambled data, where chance topped out around {{p90}}. That is the strongest thing this check can say, and it is still not proof.", "scale": "your rule: {{edge}}, against {{count}} scrambled runs", "notTestable": "This rule fired {{count}} times between {{start}} and {{end}}. That is too few to shuffle the history against, so there is no luck check here at all. Read the numbers above as untested rather than as passed.", "explainer": "The signal's history is rotated against the target so the two can no longer line up, then the identical rule is scored. Repeat that and you get the range of results that mean nothing at all." }, "entryTitle": "Test a rule on this", "entrySubtitle": "Check whether a signal on {{name}} meant anything, or whether the move was gone before you could buy." }, "incomeTax": { "BE": "Roerende voorheffing", "generic": "Withholding tax", "question": "Has this tax already been taken?", "questionNamed": "Has the {{tax}} already been taken?", "taken": "Already taken", "takenDescription": "What reached your account is what was left after tax.", "owed": "You still owe it", "owedDescription": "The full amount reached your account. The tax is a debt until you pay it.", "ES": "Retención", "beforeTax": "Before tax", "taxTaken": "Tax taken", "reachedYou": "Reached you" }, "instrumentPicker": { "placeholder": "Pick an instrument", "searchPlaceholder": "Search by name or ticker", "noMatch": "No instrument matches that" }, "tax": { "title": "Capital gains tax", "description": "See what you'd pay on what you sold this year", "realizedGain": "Your profit", "taxableGain": "Taxable gain", "hero": { "caption": "Estimated tax on what you sold in {{year}}", "ringCaption": "of exemption used", "covered": "Your exemption covers all {{taxable}} of taxable profit, so you owe nothing.", "above": "{{amount}} of your profit sits above your exemption, taxed at {{rate}}.", "nothingTaxable": "Nothing you sold in {{year}} is taxable.", "coveredSettled": "Your exemption covers all {{taxable}} of taxable profit — nothing to settle.", "nothingTaxableSettled": "Nothing you sold in {{year}} is taxable — nothing to settle.", "withheldSettled": "Your broker already withheld the {{due}} you owe — nothing to settle." }, "withholding": { "sectionTitle": "Withheld by your broker", "reclaim": "You get back", "reclaimSub": "claim it in your tax return", "stillOwed": "Still to pay", "vsDue": "Your broker withheld {{withheld}} against {{due}} of tax.", "noneWithheldSub": "Nothing was held back at source, so this goes in your tax return." }, "exemption": { "label": "Your exemption", "tileLabel": "Exemption left", "ofTotal": "of {{total}}", "used": "Used", "left": "Left", "carried": "Includes {{amount}} carried over from earlier years", "headroom": "You can still lock in {{amount}} of profit tax-free this year.", "headroomShared": "Together you can still lock in {{amount}} of profit tax-free this year, each within their own share.", "headroomNone": "Your exemption is used up. Profit you lock in from here is taxed at {{rate}}." }, "lots": { "boughtOn": "Bought {{date}}", "basisStepUp": "{{quantity}} units · valued {{date}}", "basisPurchase": "{{quantity}} units · taxed on your purchase price", "basisPurchaseAveraged": "{{quantity}} units · taxed from your average price before {{date}}", "basisHistoricalLoss": "{{quantity}} units · the drop from before 2026 is not counted" }, "unpriced": "We have no price on or before {{date}} for {{assets}}, so those sales are missing from the total. The real figure is higher.", "unconverted": "We have no exchange rate to put {{assets}} into {{currency}} on {{date}}, so those sales are missing from the total.", "unusableLosses": "{{amount}} of losses can't be set off against your gains, because they're a different kind of asset. Losses only count against gains of the same kind, in the same year.", "trades": { "headline": "What you sold", "rowLine": "Sold {{date}} · {{realized}} profit", "taxableLabel": "taxable", "basisLots": "From {{lots}} buy lots", "basisStepUp": "Taxed from its value on {{date}}", "basisHistoricalLoss": "The drop from before 2026 doesn't count", "basisMixed": "Mixed starting values across {{lots}} buy lots", "noBasis": "No 2025 price" }, "shelter": { "notTaxed": "{{amount}} of that grew before {{date}}, so it isn't taxed", "lossNotCounted": "{{amount}} of that drop happened before {{date}}, so it doesn't count" }, "harvest": { "headline": "What you could sell", "pickPrompt": "Pick what you'd sell and we'll show what it does to your exemption.", "summaryWithin": "Selling these locks in {{profit}} of profit, tax-free. {{left}} of your exemption would be left.", "summaryOver": "Selling these locks in {{profit}} of profit. That's {{over}} above your exemption, so about {{tax}} in tax.", "rowLine": "Worth {{value}} today · {{profit}} profit", "taxableIfSold": "taxable if sold", "offsetsIfSold": "offsets if sold", "fillNote": "Sell about {{quantity}} of them ({{value}}) to use up what's left", "excludedUnpriced": "Not listed: {{assets}}. We have no price to measure them against.", "excludedUnconverted": "Not listed: {{assets}}. We have no exchange rate to price them in {{currency}}.", "costsNote": "Valued at the last close, before what your broker and the transaction tax cost you. Anything above the exemption is taxed at {{rate}}." }, "empty": { "title": "Nothing sold in {{year}}", "description": "This tax only applies when you sell. Your full {{exemption}} exemption is still open." }, "assumptions": { "headline": "What this doesn't account for", "exemptionUnpublished": "The exemption for {{year}} hasn't been published yet, so we use the most recent one, {{exemption}}." } }, "tradeCosts": { "brokerFee": "Broker fee", "shareOfGross": "{{share}} of {{gross}}", "transactionTax": { "BE": "Stock exchange tax (TOB)", "generic": "Transaction tax", "ES": "Financial transaction tax (ITF)" }, "capitalGainsWithheld": "Capital gains tax withheld", "capitalGainsWithheldHint": "Only if your broker already took it off this sale. Most foreign brokers do not.", "reyndersTax": "Reynders tax (withholding on funds)", "reyndersTaxHint": "Only on a fund that holds bonds. Your statement lists it as \"RV op fondsen\".", "taxWithheld": "Already deducted by my broker", "taxNotWithheldNote": "You declare and pay it yourself.", "taxPendingNote": "You'll pay this yourself", "costsExceedProceeds": "Your costs are more than the sale is worth. Check the fee and the price.", "youPay": "You pay", "youReceive": "You receive", "totalHint": "Change this to match your statement to the cent.", "priceCouldNotMatch": "Closest we can get is {{total}}. With this many units the price can't be split any finer.", "priceAdjusted": "Price set to {{price}} per unit so this total matches exactly." }, "fullView": { "notice": "You're seeing the whole account, as the bank shows it. None of it counts in your net worth until you receive it." } }, "errorPage": { "notFound": { "title": "This page wandered off", "body": "The page you're looking for doesn't exist or has moved. Let's get you back on track.", "home": "Back home" }, "generic": { "title": "Something went wrong", "body": "An unexpected error happened on our end. Try again, or head back home.", "home": "Back home" } }, "seo": { "home": { "description": "Every account, transaction, plan, debt and investment in one place, turned into clear answers about where you stand. No ads, your data is never sold." }, "about": { "title": "About us, a letter from founder {{founderName}}", "description": "Why we built {{appName}}: your whole financial life in one place, privacy-first and made in Europe. A letter from founder {{founderName}}. No ads." }, "pricing": { "title": "Pricing and plans", "description": "Simple plans with a 14-day free trial of the full product. No ads, your data is never sold. See the plans and answers to the questions people ask most." }, "privacy": { "description": "How {{appName}} collects, uses, and protects your data under the GDPR: the data we process, why, how long we keep it, and the rights you have." }, "terms": { "description": "The terms of service for using {{appName}}: your rights and responsibilities, the plans, and the terms that govern your account." }, "deleteAccount": { "description": "How to permanently delete your {{appName}} account and data: how to ask, what is removed, what we must keep and for how long." }, "security": { "title": "Security and privacy", "description": "How {{appName}} keeps your money safe: a read-only PSD2 bank connection that sees your transactions but can never move a cent. Your data is never sold." }, "businessAdvisors": { "title": "For advisors: clients with the whole picture", "description": "Clients who arrive with their whole financial picture, kept current between meetings. {{appName}} for financial advisors." }, "businessEmployers": { "title": "For employers: financial calm for your team", "description": "A financial-wellbeing benefit your people use, where you never see their data. {{appName}} for employers and HR." } }, "marketing": { "common": { "getStarted": "Try Briliza free", "trialNote": "14 days · No credit card required", "joinWaitlist": "Reserve your spot", "pricing": "Pricing", "about": "About", "security": "Security", "logIn": "Log in", "openApp": "Open Briliza", "managePlan": "Change your plan", "blog": "Blog", "sources": "Sources" }, "waitlist": { "title": "Reserve your spot", "subtitle": "We're onboarding new members in small batches. Leave your email and we'll let you know the moment your spot opens.", "submit": "Reserve my spot", "joining": "Reserving…", "successTitle": "You're on the list", "successBody": "You're in. We'll email you the moment a spot opens.", "alreadyTitle": "You're already on the list", "alreadyBody": "Sit tight. We'll be in touch the moment a spot opens.", "error": "Something went wrong. Please try again in a moment.", "consentNote": "We'll email you when your spot is ready. Nothing else, and you can leave the list from any of those emails.", "backHome": "Back home" }, "invite": { "title": "First light is yours", "titlePersonal": "First light is yours, {{name}}", "subtitle": "You've been handed a rare invite to see your whole financial life clearly. Skip the line and step in.", "codeLabel": "Your invite", "spotsFew": "Only a few get in this early", "spotsFilling": "Almost full", "cta": "See it all", "invalidTitle": "This invite won't open", "invalidBody": "We couldn't read this one. Check the link, or join the waitlist below.", "expiredTitle": "This invite's gone dark", "expiredBody": "Its moment has passed. Join the waitlist and we'll light the way in.", "exhaustedTitle": "These lights are taken", "exhaustedBody": "Every spot on this invite is lit up. Join the waitlist and we'll bring you into the light soon.", "errorTitle": "We couldn't check this one", "errorBody": "Something flickered. Give it another try in a moment.", "waitlistCta": "Reserve your spot", "enterTitle": "Step into the light", "enterSubtitle": "Enter your invite to skip the line and see where you stand.", "enterLabel": "Invite code", "enterPlaceholder": "Your invite code", "enterCta": "Let me in", "haveCodePrefix": "Have an invite?", "redeemLabel": "Step in" }, "home": { "hero": { "headlineStart": "Stop|guessing", "headlineHighlight": "in the dark.", "headline": "Stop guessing in the dark.", "subheadline": "Your whole financial life in one honest picture: where you stand, what it's worth, and whether you're getting ahead. Sorted automatically, always up to date. No spreadsheet, no guesswork.", "strapline": "Your whole financial life, illuminated.", "straplineLead": "Your whole financial life,", "straplineHighlight": "illuminated.", "banksLabel": "Works with", "banksMore": "+ {{bankCount, number}} European banks", "category": "Your personal financial manager.", "secondaryCta": "See how it works" }, "heroPhone": { "goodMorning": "Good morning", "totalNetWorth": "Total Net Worth", "gainThisMonth": "{{amount}} this month", "overview": "Overview", "cash": "Cash", "investments": "Investments", "property": "Property", "debts": "Debts", "tabAccounts": "Accounts", "tabInsights": "Insights", "tabProfile": "Profile", "accountCurrent": "Current account", "accountSavings": "Savings account", "accountJoint": "Joint account", "accountBroker": "Brokerage account", "sharedWith": "With {{name}}", "thisMonth": "This month", "insightSaved": "Saved", "insightSavedDetail": "{{pct}} of your income", "insightGroceries": "Groceries", "insightGroceriesDetail": "of {{planned}} planned", "insightInvestDetail": "{{pct}} this month", "profileHousehold": "Household", "householdValue": "You & {{name}}", "profileBanks": "Connected banks", "profileCurrency": "Currency", "profileNotifications": "Notifications", "profileFaceId": "Face ID", "on": "On", "memberSince": "Member since {{year}}", "tabsLabel": "App screens", "salaryReceived": "Salary received" }, "acts": { "progressTitle": "You're earning, spending, saving. But are you actually getting *ahead*?", "progressSubtitle": "See what changed this month, whether what you save and invest is growing, and whether you're moving toward the things you care about.", "understandingTitle": "Your numbers changed. Do you know *why*?", "understandingSubtitle": "Saved money, but your net worth still fell? {{appName}} connects the movement to the explanation, so you're not left staring at a balance trying to work out what happened.", "controlTitle": "Do you still trust your own *total*?", "controlSubtitle": "Accounts in one place. Investments in a spreadsheet. Debts in your head. It works, until you stop fully trusting the answer it gives you." }, "features": { "bankSyncEyebrow": "{{bankCount, number}}+ banks", "bankSync": "Do you actually know *what you're worth* today?", "bankSyncDesc": "Every account you have, in **one running total** you can trust. Connect your accounts once across {{bankCount, number}}+ banks, and they stay synced from then on.", "categorizationEyebrow": "Automatic", "categorization": "Where does your money keep *vanishing*?", "categorizationDesc": "Spending is **categorised for you**. The rare misclassification, you fix once and it learns.", "plannerEyebrow": "Monthly plan", "planner": "Will you make it to *payday*?", "plannerDesc": "Set a monthly target per category and see **what's left at a glance**, this month and next. Always know if you'll make it to month-end.", "debtsEyebrow": "IOUs, both ways", "debts": "Get back *what you're owed*.", "debtsDesc": "Lent a friend some cash, or borrowed from family? Track **every IOU both ways**, what's owed to you and what you still owe, so it counts toward where you really stand.", "totalWealthEyebrow": "Total Net Worth", "totalWealth": "Are you actually *building wealth*?", "totalWealthDesc": "Cash, investments, real estate and pension, tracked month after month so you see **the direction, not just today's number**.", "investmentsEyebrow": "Portfolio", "investments": "Up, or *quietly losing*?", "investmentsDesc": "Holdings, dividends, returns, broken down per asset class. Finally see **how they're really doing**, across every account they live in.", "analyticsEyebrow": "Forward projection", "analytics": "Enough cash now. But what about *three weeks from now*?", "analyticsDesc": "A **forward projection** across every account, so the end of the month stops catching you out. Decide what to invest, save, or keep liquid.", "currencyEyebrow": "Any currency", "currency": "Money in *every currency*?", "currencyDesc": "Get paid, spend, and save in whatever currency you like. It all lands in **your home currency**, converted for you, so what you earn and spend is always one honest picture.", "multiOwnerEyebrow": "Fair splits", "multiOwner": "Paying more than *your share*?", "multiOwnerDesc": "See exactly who paid for what, so the split is **always fair and never a guess**. Solo, couple, or sharing rent, every household fits." }, "howItWorks": { "title": "From signup to in control, in minutes", "subtitle": "Three steps. Then it runs itself.", "step1Title": "5 minutes to set up", "step1Desc": "Pick your banks. Log in once. We handle the rest. (You can also add accounts manually.)", "step2Title": "See it all on one screen", "step2Desc": "Cash, investments, and what's scheduled. No tab-juggling, no opening four apps.", "step3Title": "Decide with real numbers", "step3Desc": "When the picture is clear, the right call is too. Save for the renovation, take the trip, or both. Your call." }, "security": { "money": { "eyebrow": "Your money", "see": "See your transactions", "seeValue": "Yes", "move": "Move your money", "moveValue": "Never", "password": "See your bank password", "passwordValue": "Never", "caption": "You sign in on your bank’s own page through PSD2. We can read, never touch, and never see your login." }, "data": { "eyebrow": "Your data", "sold": "Sold to anyone", "soldValue": "Never", "shared": "Shared with advertisers", "sharedValue": "Never", "train": "Used to train AI models", "trainValue": "Never", "caption": "We’re funded by your subscription, never by ads, so your data is never the product. The companies that run {{appName}} for us handle it only on our instructions." }, "readMore": "Read our full security story" }, "pricing": { "title": "Pay for {{appName}}. Not with your data.", "subtitle": "No ads. And we can't move your money.", "eyebrow": "All your banks, plus investments and partner sharing", "perMonth": "/month", "trialNoteSignedIn": "Switch plans or cancel anytime.", "manualNote": "Rather add things by hand? Manual is {{manualPrice}}." }, "finalCta": { "title": "Ready to get ahead?", "subtitle": "Connect your banks in five minutes. See your whole financial life in one place, and finally know where you stand." }, "previews": { "today": "Today", "bankSync": { "title": "Your accounts", "synced": "Auto-synced", "current": "Current", "savings": "Savings", "brokerage": "Broker", "joint": "Joint", "total": "Total" }, "categorization": { "title": "Categorised for you", "groceries": "Groceries", "eatingOut": "Eating out", "transport": "Transport" }, "planner": { "groceries": "Groceries", "eatingOut": "Eating out", "transport": "Transport", "subscriptions": "Subscriptions" }, "analytics": { "title": "Cash · next 4 weeks", "today": "Today", "inFourWeeks": "In 4 weeks" }, "investments": { "title": "Holdings · all-time" }, "currency": { "title": "In your currency", "converted": "Auto-converted", "usd": "US dollar", "gbp": "British pound", "chf": "Swiss franc" }, "wealth": { "title": "Net Worth · all-time", "ytd": "{{pct}} YTD", "realEstate": "Real estate", "investments": "Investments", "pension": "Pension", "cash": "Cash" }, "multiOwner": { "title": "Household · who paid for what", "rentLabel": "Rent · Mar", "restaurantDateBank": "Mar 12 · KBC", "rentDateBank": "Mar 1 · Argenta", "household": "Household" }, "debts": { "title": "IOUs · lent & borrowed", "lentLabel": "Lent to Sarah", "lentSub": "3 weeks ago", "borrowedLabel": "Borrowed from Dad", "borrowedSub": "Last month", "owedToYou": "Owed to you", "youOwe": "You owe" } }, "carousel": { "stepLabel": "Step {{n}}", "connect": { "title": "Connecting", "count": "{{done}} of {{total}}" }, "dashboard": { "title": "Net Worth · today", "current": "Current", "savings": "Savings", "stocks": "Stocks", "pension": "Pension" }, "goals": { "title": "Goals · what's possible", "onTrack": "{{n}} on track", "romeTrip": "Weekend in Rome", "renovation": "Renovation", "newCar": "New car" } } }, "about": { "hero": { "label": "About", "title": "It shouldn't take this much work", "titleHighlight": "to understand your own money.", "subtitle": "{{appName}} is your personal financial manager." }, "story": { "privacyLink": "Read exactly what we can and can't do" }, "pillars": { "control": "Know where you stand.", "understanding": "Understand what it means.", "progress": "See where you're going." }, "finalCta": { "title": "See it for yourself." }, "cards": { "privacyTitle": "It cannot move your money.", "privacyDesc": "{{appName}} can see the financial information you choose to connect.", "privacyDesc2": "We don't sell your financial data, and we don't build {{appName}} around advertising. You choose what to connect, and you remain the person making the decisions." }, "founder": { "eyebrow": "From the founder", "para1": "For a long time, I just wanted reliable answers to the questions I had about my own money. Excel worked perfectly at first. Then came more accounts, investments, currencies, assets and harder questions.", "para2": "How much could I safely invest? How much room did I have for a house? What did my investments actually make?", "para3": "The spreadsheet became more sophisticated, but also slower, harder to maintain and easier to break.", "para4": "Eventually, I reached the part that bothered me most.", "para5": "I stopped completely trusting my own answers.", "para6": "I wanted clear answers without having to piece everything together myself.", "para7": "That is where {{appName}} came from.", "para8": "The stressful part wasn't really the money. It was the not-knowing. I didn't need another app telling me to earn more or spend less. I needed to be able to see.", "para9": "That's still what I want {{appName}} to do.", "para10": "Make the complicated parts feel simple. Show you what is actually going on. Then let you decide.", "role": "Founder of {{appName}}", "talk": { "desc": "Want to talk it through? Book 30 minutes with me.", "cta": "Talk with {{firstName}}" } }, "contact": { "title": "There's a person on the other end.", "subtitle": "Pick whichever way is easiest. All of it reaches a real person, not a ticket queue.", "booking": "Talk with {{firstName}}", "bookingDesc": "30 minutes, one on one, with {{appName}}'s founder.", "message": "Send a message", "messageDesc": "For anything longer. It lands in our inbox and we answer within a day or two.", "whatsapp": "WhatsApp", "whatsappDesc": "The quickest way to reach us. A real person answers.", "faq": "FAQ", "faqDesc": "Answers about trials, plans and your data.", "form": { "name": "Name", "namePlaceholder": "Your name", "email": "Email", "emailPlaceholder": "you@example.com", "subject": "Subject", "message": "Message", "messagePlaceholder": "How can we help you?", "send": "Send Message", "sending": "Sending...", "successTitle": "Message Sent!", "successDesc": "Thank you for reaching out. We will get back to you soon.", "orEmail": "Or write to us yourself at", "sendAnother": "Send another message" }, "subjects": { "general": "General inquiry", "support": "Technical support", "feedback": "Feedback or suggestion", "partnership": "Partnership opportunity" }, "errors": { "nameRequired": "Name is required", "emailRequired": "Email is required", "messageRequired": "Message is required", "messageTooShort": "Message must be at least 10 characters" } } }, "pricing": { "hero": { "label": "Pricing", "titleStart": "Pay for {{appName}}.", "titleHighlight": "Not with your data.", "subtitle": "Every trial is 14 days of the full product. You pick a plan at the end, not now." }, "tiers": { "startTrial": "Start 14-day free trial", "mostPopular": "Most popular", "ctaReassurance": "No card required · Cancel anytime", "perMo": "/ mo", "banksLabel": "Banks synced", "investingLabel": "Investments", "householdLabel": "Partner sharing", "included": "Included", "notIncluded": "Not included", "manual": { "name": "Manual", "tagline": "Add your transactions yourself.", "price": "€3.99", "banks": "None", "perk": "Plans, forecasts and net worth, all included" }, "plus": { "name": "Plus", "tagline": "All your banks sync automatically.", "price": "€8.99", "banks": "All your banks", "perk": "All your banks, synced automatically" }, "premium": { "name": "Premium", "tagline": "Every bank, plus your investments and your partner.", "price": "€12.99", "banks": "All your banks", "perk": "All your banks synced, plus investments and partner sharing" } }, "ethos": { "title": "What we don't charge extra for.", "subtitle": "No credits, no usage meters. Every plan has these.", "aiCat": "AI categorization", "planner": "Monthly planner per category", "forecast": "Cashflow forecasting", "netWorth": "Net Worth across asset classes", "multiCurrency": "Multi-currency", "history": "Full transaction history", "csv": "CSV import & export" }, "faq": { "title": "Questions you might have.", "q1": "Do I need a credit card to start the trial?", "a1": "No. The 14-day free trial gives you the full Premium product. You only enter payment details when you choose a plan to keep going.", "q2": "What happens after the 14-day trial?", "a2": "You pick a paid plan, or you step down to Manual ({{manualPrice}}) and keep all your data. We never auto-charge you without your active choice.", "q3": "Can I change plans later?", "a3": "Yes. Upgrade, downgrade, or step down to Manual at any time. Your data stays with you across all plans.", "q4": "If I downgrade, do I lose my data?", "a4": "No. Manual keeps every transaction, category, and history you've built. The only thing that changes is automatic bank sync: you enter new transactions yourself.", "q5": "Is my financial data safe?", "a5": "Yes. Bank connections run through GoCardless, a regulated PSD2 provider, and the access is read-only: we can see your transactions, we can never move your money. We don't sell your data, and we don't show ads.", "q6": "Why isn't there a free plan?", "a6": "Because your subscription is the only thing paying for {{appName}}. We don't run ads and we don't sell your data, so there is nothing else funding it. The 14-day trial is your free path to decide whether it's worth it.", "q7": "Why no yearly billing?", "a7": "Not yet. We'd rather you stay month-by-month while you decide if the product fits your life. A yearly option arrives once we're confident in the fit.", "q8": "Is Briliza a bank?", "a8": "No. Briliza doesn't hold your money or replace your bank. It connects to the banks you already use through regulated PSD2 access and brings everything into one overview. Your money stays exactly where it is.", "q9": "How do I get in touch?", "a9": "Email us any time and a real person answers. No bots, no ticket queue.", "q10": "How long does setup take?", "a10": "About five minutes. Connect your banks once and everything stays in sync from then on, or add accounts by hand if you prefer. No card needed for the trial.", "q11": "Does Briliza give financial advice?", "a11": "No. Briliza shows you your own numbers and what they mean, but it never tells you what to buy, sell or sign, and it doesn't manage or invest money for you. The decisions stay yours.", "q12": "Which countries does Briliza work in?", "a12": "Anywhere in the EU and EEA. You can connect most banks there through PSD2, and Briliza speaks English, Dutch and Spanish. Outside the EU and EEA it isn't available yet." }, "bottomCta": { "title": "Start your 14-day free trial.", "subtitle": "No card. No commitment. The full product, your data.", "signedInTitle": "Your plan, your call.", "signedInSubtitle": "Switch plans or cancel whenever you like. Your data stays yours." } }, "security": { "hero": { "label": "Security and privacy", "title": "{{appName}} can see the financial information you choose to connect.", "titleHighlight": "It can't move your money.", "subtitle": "You sign in on your bank's own page through PSD2, the EU open-banking standard, and the access it hands us is read-only." }, "proof": { "title": "We can't move your money. We'll never sell your data.", "subtitle": "The two promises this whole app is built around." }, "cards": { "bankSync": { "eyebrow": "How the bank connection works", "title": "You connect your bank, not your password", "g1title": "We never see your login", "g1desc": "You sign in on your bank's own page, through PSD2.", "g2title": "Read-only access", "g2desc": "The EU open-banking standard, connect once and read.", "g3title": "We can't move a cent", "g3desc": "We can see your transactions, nothing more." } }, "cta": { "title": "We can't move your money.", "subtitle": "We'll never sell your data." } }, "footer": { "tagline": "Your whole financial life, illuminated. Made in Europe.", "contactUs": "Contact us", "whatsappUs": "WhatsApp us", "onPlatform": "{{appName}} on {{platform}}", "product": "Product", "features": "Features", "pricing": "Pricing", "account": "Account", "signUp": "Sign Up", "logIn": "Log In", "legal": "Legal", "security": "Security", "privacy": "Privacy", "terms": "Terms", "deleteAccount": "Delete account", "about": "About", "yourRights": "Your Rights", "gdprRights": "GDPR Rights", "dataProcessing": "Data Processing", "dataRequest": "Data Request", "copyright": "EU/EEA only.", "blog": "Blog", "banks": "Supported banks", "foundedBy": "Founded by" }, "legal": { "kboLabel": "Company number (KBO):", "vatLabel": "VAT:", "websiteLabel": "Website:", "emailLabel": "Email:", "phoneLabel": "Phone:", "yes": "Yes", "no": "No", "privacyPolicyLinkText": "Privacy Policy", "pricingPageLinkText": "Pricing page" }, "deleteAccount": { "title": "Delete your account", "intro": "This page explains how to permanently delete your {{appName}} account and the personal data linked to it. You can delete it at any time, you do not need an active subscription.", "how": { "heading": "How to delete your account", "body": "The fastest way is in the app itself: open Settings → Profile and choose Delete my account. Your account and its data are permanently deleted straight away. If you can no longer sign in, email {{emailLink}} from the email address you use for {{appName}}, with “Delete my account” as the subject, and we will delete it for you.", "verify": "If we cannot match your request to an existing account, we may ask for a few more details to confirm your identity before deleting anything." }, "whatDeleted": { "heading": "What gets deleted", "intro": "When your account is deleted, we permanently remove:", "items": [ "Your profile and sign-in credentials", "Every account you added (bank, savings, investment, and cash), with their balances", "All your transactions, with their categories, labels, and splits", "Your plans and savings goals", "Your investments, holdings, and their history", "Any shared owners or relationships you created", "Your connected banks and the permission to access them" ] }, "retained": { "heading": "What we keep, and for how long", "body": "We keep a limited set of records only where the law requires it, for example invoices and payment records we must retain for tax and accounting purposes. These are stored for the legally required period and then deleted. For the full breakdown, see the data-retention section of our {{privacyLink}}." }, "timing": { "heading": "How long it takes", "body": "We action deletion requests within 30 days. Copies of your data in routine backups are removed on our provider’s normal backup rotation, after which no copy remains." }, "contact": { "heading": "Contact", "intro": "If you have any questions about deleting your account or your data, contact us:" } }, "privacy": { "title": "Privacy Policy", "effective": "Effective date: 16 January 2026", "updated": "Last updated: 25 October 2026", "controller": { "heading": "1. Data Controller", "intro": "The data controller responsible for processing your personal data is:", "dpoAssessment": "We have assessed our processing against Article 37 GDPR and concluded that we are not required to appoint a Data Protection Officer: our core activities do not consist of large-scale processing of special categories of data, nor of large-scale, regular and systematic monitoring of individuals. We keep this assessment under review as the Service grows. For any privacy-related inquiry, please contact us at the email address above." }, "scope": { "heading": "2. Scope and Applicability", "intro": "This Privacy Policy applies to the {{appName}} personal finance platform (the \"Service\") and describes how we collect, use, disclose, and protect your personal data in accordance with:", "laws": [ "Regulation (EU) 2016/679 (General Data Protection Regulation, \"GDPR\")", "The Belgian Act of 30 July 2018 on the protection of natural persons with regard to the processing of personal data", "Directive 2002/58/EC (ePrivacy Directive) as implemented in Belgian law" ], "eea": "This Service is intended exclusively for users located in the European Union and European Economic Area (EU/EEA). By using the Service, you confirm that you are located within the EU/EEA." }, "categories": { "heading": "3. Categories of Personal Data We Collect", "intro": "We collect and process the following categories of personal data:", "accountTitle": "3.1 Account Data", "accountItems": [ "Email address", "Password (cryptographically hashed; we never store or have access to your plaintext password)", "Account creation date" ], "financialTitle": "3.2 Financial Data", "financialItems": [ "Bank account identifiers (account names, IBANs, BICs)", "Account balances", "Transaction data (dates, amounts, descriptions, counterparty names and IBANs, remittance information)", "Spending plan categories and allocations", "Investment holdings and transactions", "Bank export files (CSV) you send us to add older account history", "Documents you send us (statements, contracts, letters) and the figures read from them" ], "technicalTitle": "3.3 Technical Data", "technicalItems": [ "Authentication tokens (session cookies)", "Browser-stored preferences (localStorage), see Section 8.3", "Anonymized performance metrics (page load times via Web Vitals)", "Pseudonymized usage and interaction data, pages visited, clicks, scrolls, and masked session recordings (see Section 8.2)", "Approximate location (country only), derived from your IP address by our analytics providers; the IP address itself is not retained by us" ], "notCollected": "Data we do NOT collect: We do not track you across other websites, build advertising or marketing profiles, or use persistent cross-site identifiers. We do not collect precise (GPS) location, and we do not collect biometric data. Our analytics providers process your IP address only momentarily (to derive your approximate country and to count visits) but we do not store your IP address or use it to identify you." }, "purposes": { "heading": "4. Purposes and Legal Basis for Processing", "intro": "We process your personal data for the following purposes, each with a specific legal basis under Article 6(1) GDPR:", "tableHeaders": { "purpose": "Purpose", "basis": "Legal Basis", "data": "Data Categories" }, "rows": [ { "purpose": "Account creation and authentication", "basis": "Contract performance (Art. 6(1)(b))", "data": "Account data" }, { "purpose": "Providing the personal finance tracking service", "basis": "Contract performance (Art. 6(1)(b))", "data": "Financial data, Account data" }, { "purpose": "Bank account synchronization via Open Banking", "basis": "Contract performance (Art. 6(1)(b))", "data": "Financial data" }, { "purpose": "Setting up what the documents you send describe: read by our team, only by the people who set it up, and by Claude (Anthropic) when you add a document to a holding or a payment", "basis": "Contract performance (Art. 6(1)(b))", "data": "The documents you send and the figures read from them. Identity numbers, dates of birth, addresses and health details are not copied out of them" }, { "purpose": "AI-powered categorization and insights (a feature you choose to use)", "basis": "Legitimate interest (Art. 6(1)(f))", "data": "Aggregated, anonymized financial summaries" }, { "purpose": "Service performance monitoring", "basis": "Legitimate interest (Art. 6(1)(f))", "data": "Anonymized technical data" }, { "purpose": "Cookieless usage analytics (page views, country, masked session recordings)", "basis": "Legitimate interest (Art. 6(1)(f))", "data": "Pseudonymized usage data" }, { "purpose": "Enhanced analytics with cookies (linking page views within a visit, funnels)", "basis": "Consent (Art. 6(1)(a))", "data": "Analytics cookie identifiers" }, { "purpose": "Product usage logging linked to your account (which section of the app you open, and when)", "basis": "Legitimate interest (Art. 6(1)(f))", "data": "Account identifier, section opened, timestamp, device type and platform, app language" }, { "purpose": "Responding to support inquiries", "basis": "Contract performance (Art. 6(1)(b))", "data": "Account data, inquiry content" }, { "purpose": "Compliance with legal obligations", "basis": "Legal obligation (Art. 6(1)(c))", "data": "As required by law" } ], "lia": "Legitimate interest assessment: For performance monitoring, cookieless usage analytics (including masked session recordings), product usage logging linked to your account, and AI-assisted categorization and insights, our legitimate interest is understanding how the Service is used and helping you make sense of your finances, so we can find and fix problems and improve the Service. We have weighed this against your privacy and minimize the impact: no cookies are set for analytics in this mode, all text inputs and sensitive content are masked, recordings are pseudonymized and not linked across visits, the product usage log records only which section of the app you opened, when, and what kind of device you were on, never what was on screen and never any amount, account name or transaction detail, and it is deleted after 180 days, only aggregated and anonymized summaries (never individual transactions) are sent to our AI provider, and none of this is used to identify you or to make decisions that affect you. You can object at any time. Choosing \"Reject all\" in the cookie settings stops session-recording analytics for you, you can decline analytics cookies there, and you can choose not to use the AI features or contact us to object." }, "obligation": { "heading": "5. Obligation to Provide Data", "mandatory": "Mandatory data: Providing your email address and password is necessary to create an account and use the Service. Without this data, we cannot provide the Service to you.", "optional": "Optional data: Connecting bank accounts and entering financial data is voluntary. However, without this data, certain features of the Service (such as automatic transaction import and insights) will not be available." }, "recipients": { "heading": "6. Data Recipients and Processors", "intro": "We share your personal data with the following categories of recipients, acting as data processors under written agreements that comply with Article 28 GDPR:", "labels": { "purpose": "Purpose:", "data": "Data processed:", "location": "Location:", "safeguards": "Safeguards:", "note": "Note:" }, "processors": [ { "name": "Supabase Inc.", "purpose": "Database hosting, user authentication, and data storage", "data": "All account and financial data", "location": "European Union (Paris, France, eu-west-3)", "safeguards": "Data encrypted at rest (AES-256) and in transit (TLS 1.3)" }, { "name": "GoCardless Ltd (trading as Nordigen)", "purpose": "Open Banking connectivity (Account Information Service Provider under PSD2)", "data": "Bank account identifiers, transaction history (accessed via your bank's API with your authorization)", "location": "United Kingdom (GoCardless Ltd, authorized by the UK Financial Conduct Authority). The UK benefits from a European Commission adequacy decision.", "note": "We never receive or store your bank login credentials. Authentication occurs directly with your bank." }, { "name": "Google LLC (Google Generative AI / Gemini)", "purpose": "AI-powered financial insights and transaction categorization", "data": "Aggregated, anonymized financial summaries (not individual transactions with identifying details)", "location": "United States and other countries", "safeguards": "Standard Contractual Clauses (SCCs) approved by the European Commission" }, { "name": "Vercel Inc.", "purpose": "Application hosting, web analytics, and performance monitoring", "data": "Pageview data (pages visited, referrer, approximate country); Web Vitals performance metrics (page load times). Your IP address is processed momentarily to derive country and to count unique visits, but is not stored or shared, and no cross-site identifiers are used.", "location": "Global with EU edge nodes", "safeguards": "Standard Contractual Clauses (SCCs)" }, { "name": "Microsoft Corporation (Clarity)", "purpose": "Website behavior analytics (heatmaps, session recordings, scroll depth analysis) to improve user experience", "data": "Pseudonymized interaction data (clicks, scrolls, mouse movements, page navigation) and masked session recordings. All text input fields, numbers and other sensitive content are automatically masked, so recordings capture interaction patterns rather than your financial data. Approximate country is derived from your IP address; the IP address is not retained.", "location": "Global (Microsoft Azure infrastructure)", "safeguards": "Standard Contractual Clauses (SCCs); automatic masking of all text inputs and sensitive content; cookieless by default (cookies only after consent)" }, { "name": "Resend Inc.", "purpose": "Transactional email delivery for contact form notifications", "data": "Name, email address, and message content from contact form submissions", "location": "United States", "safeguards": "Standard Contractual Clauses (SCCs)" }, { "name": "WhatsApp Ireland Limited (Meta)", "purpose": "Customer support conversations, if you choose to message us on WhatsApp instead of using email or the in-app form", "data": "Your phone number, your WhatsApp profile name, and whatever you write in the chat. We never ask for passwords, bank login details, or card numbers over WhatsApp.", "location": "Ireland (European Union), with onward transfers to Meta Platforms, Inc. in the United States", "safeguards": "Standard Contractual Clauses (SCCs). Message contents are end to end encrypted in transit; Meta still processes the surrounding metadata, such as who messaged whom and when.", "note": "This channel is entirely optional and only ever starts with you. If you never message us on WhatsApp, nothing about you reaches Meta through us." }, { "name": "Anthropic, PBC", "purpose": "The AI features: the Liza assistant answering your questions, naming the columns of a broker file you import, and reading the documents you add to a holding or a payment", "data": "What a feature needs to answer, and nothing more: your question and the figures it is about, a few sample rows of an imported file, or the document you uploaded. Under Anthropic's commercial terms this is not used to train its models.", "location": "United States", "safeguards": "Standard Contractual Clauses (SCCs)" } ], "noSale": "We do not sell, rent, or trade your personal data to third parties. We do not share your data with advertisers or data brokers." }, "transfers": { "heading": "7. International Data Transfers", "intro1": "Your account and financial data are stored within the European Economic Area (Supabase, EU region). Some processors, however, process data outside the EEA: Google, Vercel, Microsoft, Resend and Anthropic (United States), and GoCardless (United Kingdom). WhatsApp support conversations are handled by an EU entity (WhatsApp Ireland Limited) but may be transferred onward to Meta Platforms, Inc. in the United States.", "intro2": "For these transfers we rely on:", "items": [ "Adequacy decision: the United Kingdom is covered by a European Commission adequacy decision, so transfers to GoCardless require no additional safeguards", "Standard Contractual Clauses (SCCs) adopted by the European Commission under Decision 2021/914, for transfers to the United States (Google, Vercel, Microsoft, Resend, Anthropic, Meta)", "Additional supplementary measures where necessary, including encryption and access controls" ], "outro": "You may request a copy of the relevant safeguards by contacting us." }, "cookies": { "heading": "8. Cookies and Similar Technologies", "intro": "We use the following cookies and storage mechanisms:", "necessaryTitle": "8.1 Strictly Necessary Cookies", "necessaryIntro": "These cookies are essential for the Service to function and cannot be disabled.", "tableHeaders": { "cookie": "Cookie", "purpose": "Purpose", "duration": "Duration" }, "items": { "supabaseAuth": { "name": "Supabase auth token", "purpose": "Keeps you signed in", "duration": "Session (managed by Supabase)" }, "locale": { "name": "locale", "purpose": "Remembers your chosen language", "duration": "1 year" }, "playClient": { "name": "play_client", "purpose": "Remembers that you arrived through the Android app", "duration": "Session" }, "inviteCode": { "name": "invite_code", "purpose": "Carries your invite code from the invite link to sign-up", "duration": "30 minutes" }, "inviteName": { "name": "invite_name", "purpose": "Carries the first name on a personal invite, so we can greet you and pre-fill it at sign-up", "duration": "30 minutes" } }, "necessaryBasis": "Legal basis: These cookies are exempt from consent requirements under Article 5(3) of the ePrivacy Directive as they are strictly necessary to provide the service you requested.", "analyticsTitle": "8.2 Analytics and Performance", "analyticsIntro": "We use the following analytics tools to understand how visitors use our website and to improve the user experience:", "analyticsItems": [ "Vercel Web Analytics: Cookie-free pageview analytics. Collects anonymous data about pages visited, referrer, and country. No personal data or IP addresses are stored.", "Vercel Speed Insights: Collects anonymized performance metrics (Core Web Vitals) to help us improve page load times. Does not identify individual users.", "Microsoft Clarity: Provides heatmaps, scroll-depth analysis, and masked session recordings so we can see how people use the site and fix usability problems. All text inputs and sensitive content are automatically masked. By default Clarity runs in a cookieless mode: it sets no cookies, treats each page view as a separate session, and does not link your activity across page views or visits. Choosing \"Accept all\" lets Clarity additionally set first-party cookies that link your page views into a single journey, recognize return visits, and enable funnels. Clarity records sessions in either mode; the cookies affect linking, not whether a recording is made. We also send a small set of coarse labels with each session — your interface language, whether you use the installed app or a browser, your device type, your subscription status, whether you have finished setup, and a rough band for how many banks you have linked — together with milestones such as starting setup or linking a bank. These describe the kind of session, never your finances: no amounts, balances, account or bank names, or transaction details are ever sent, and none of these labels identifies you personally." ], "analyticsBasisCookieless": "Legal basis (cookieless analytics): Legitimate interest (Art. 6(1)(f) GDPR). Vercel Web Analytics, Vercel Speed Insights, and Clarity's cookieless mode set no cookies and process only pseudonymized, masked data that is not linked across visits, so they run under our legitimate interest in improving the Service. To object: switch off \"Anonymous usage insights\" under Customize in the cookie settings. This stops Microsoft Clarity (including session recordings) from loading for you. Choosing \"Reject all\" only declines cookies; anonymous, masked, cookieless recording continues under legitimate interest until you object. Vercel's analytics are cookieless and aggregate and do not identify you individually; you can avoid them with a tracker-blocking browser or extension, and you may raise any objection under Article 21 with us at the email above.", "analyticsBasisCookie": "Legal basis (cookie-based analytics): Consent (Art. 6(1)(a) GDPR and Art. 5(3) ePrivacy Directive). Clarity's first-party analytics cookies are set only after you give consent via \"Accept all\". You can withdraw your consent at any time; it is as easy to withdraw as it was to give.", "analyticsNoTrack": "None of these tools track you across other websites, collect your personal financial data, or share data with advertisers.", "storageTitle": "8.3 Local Storage", "storageIntro": "We use your browser's local storage to remember your preferences and choices. This information stays on your device, is never sent to advertisers, and is not used to track you. We store the following, grouped by purpose:", "storageHeaders": { "what": "What we store", "purpose": "Purpose", "cleared": "Cleared on logout?" }, "storage": { "currentSelection": { "title": "Current selection", "purpose": "Which accounts, owners and bank you are currently viewing" }, "displayPrefs": { "title": "Display preferences", "purpose": "How the app looks for you: avatar style, privacy-blur (demo) mode, mobile navigation" }, "featureToggles": { "title": "Feature toggles", "purpose": "Optional features you have switched on or off" }, "toolSettings": { "title": "Tool and view settings", "purpose": "Your settings inside the planning and reporting tools: chart options, selected periods, planner inputs" }, "cookieChoice": { "title": "Cookie choice", "purpose": "Your analytics-cookie decision, so we do not ask you again" }, "cachedData": { "title": "Cached data and flags", "purpose": "Setup flags and cached reference data so the app loads faster" }, "usageSession": { "title": "Visit id (session storage)", "purpose": "A random id that groups the pages you open into a single visit. It is gone as soon as you close the tab, and is cleared when you log out" } }, "storageOutro": "Items not cleared on logout remain on your device until you clear your browser data. None of this is shared with us as personal data beyond what is described elsewhere in this policy." }, "retention": { "heading": "9. Data Retention", "intro": "We retain your personal data according to the following criteria:", "tableHeaders": { "category": "Data Category", "period": "Retention Period" }, "rows": [ { "category": "Account and financial data", "period": "Duration of your account, plus 30 days after deletion request" }, { "category": "Authentication logs", "period": "Retained only as long as necessary for security and fraud prevention" }, { "category": "Backup copies", "period": "Purged within 90 days of account deletion" }, { "category": "Product usage log", "period": "180 days, then automatically deleted" }, { "category": "Support correspondence", "period": "2 years after resolution (for legal compliance)" }, { "category": "Bank export files you send us", "period": "Deleted as soon as the transactions are added, at most 30 days after you send them" }, { "category": "Documents you send us", "period": "Kept until you remove them or delete your account. ID cards and passports are deleted as soon as we see them" } ], "outro": "When you delete your account (in Settings, or by asking us to do it), we revoke all bank connections and permanently delete your personal data. Erasure is immediate, and in any case within 30 days, with backups purged within 90 days." }, "rights": { "heading": "10. Your Rights Under GDPR", "intro": "You have the following rights regarding your personal data:", "items": [ "Right of access (Art. 15): Obtain confirmation of whether we process your data and receive a copy of that data.", "Right to rectification (Art. 16): Request correction of inaccurate personal data.", "Right to erasure (Art. 17): Request deletion of your personal data (\"right to be forgotten\").", "Right to restriction (Art. 18): Request that we limit how we process your data.", "Right to data portability (Art. 20): Receive your data in a structured, commonly used, machine-readable format.", "Right to object (Art. 21): Object to processing based on legitimate interests.", "Right to withdraw consent (Art. 7(3)): Where processing is based on consent, withdraw it at any time without affecting the lawfulness of prior processing." ], "howTo": "How to exercise your rights: Contact us at hello@briliza.com. We will respond within 30 days. If your request is complex, we may extend this period by up to 60 additional days, in which case we will inform you of the extension and the reasons.", "verification": "Identity verification: To protect your privacy, we may request information to verify your identity before processing your request." }, "automated": { "heading": "11. Automated Decision-Making and Profiling", "intro": "We use AI (Google Generative AI) to assist with transaction categorization and generate financial insights. This processing:", "items": [ "Provides suggestions only, you can always manually override any AI-generated category", "Does not produce legal effects or similarly significantly affect you", "Is based on aggregated financial patterns, not individual profiling for discrimination or credit decisions" ], "outro": "We do not engage in automated decision-making that produces legal effects concerning you or similarly significantly affects you within the meaning of Article 22 GDPR." }, "security": { "heading": "12. Data Security", "intro": "We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction, including:", "items": [ "Encryption in transit: TLS 1.3 for all data transmission", "Encryption at rest: AES-256 encryption for stored data", "Authentication: Secure password hashing (bcrypt), httpOnly session cookies", "Access control: Row-level security policies ensuring users can only access their own data", "Security headers: Content Security Policy (CSP), XSS protection, clickjacking prevention", "No credential storage: Bank login credentials are never transmitted to or stored by us" ], "outro": "Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we commit to promptly addressing any security incident." }, "breach": { "heading": "13. Data Breach Notification", "body": "In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, we will notify the Belgian Data Protection Authority (Gegevensbeschermingsautoriteit) within 72 hours of becoming aware of the breach, as required by Article 33 GDPR. If the breach is likely to result in a high risk to your rights and freedoms, we will also notify you directly without undue delay, as required by Article 34 GDPR." }, "children": { "heading": "14. Children's Privacy", "body": "The Service is not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If you believe we have inadvertently collected data from a child, please contact us immediately so we can delete it." }, "changes": { "heading": "15. Changes to This Privacy Policy", "intro": "We may update this Privacy Policy to reflect changes in our practices, legal requirements, or for other operational reasons. When we make material changes:", "items": [ "We will update the \"Last updated\" date at the top of this policy", "For significant changes affecting your rights, we will notify you by email at least 30 days before the changes take effect", "Where required by law, we will obtain your consent to material changes" ], "outro": "We encourage you to review this policy periodically. Your continued use of the Service after changes become effective constitutes acceptance of the revised policy, except where consent is required." }, "complaint": { "heading": "16. Right to Lodge a Complaint", "intro1": "If you believe that our processing of your personal data infringes the GDPR, you have the right to lodge a complaint with a supervisory authority.", "intro2": "For Belgium, the competent authority is:", "outro": "You may also lodge a complaint with the supervisory authority in the EU Member State of your habitual residence or place of work." }, "misc": { "heading": "17. Miscellaneous Provisions", "governingTitle": "17.1 Governing Law", "governingBody": "This Privacy Policy and any disputes arising from it shall be governed by the laws of Belgium, without regard to conflict of law principles. This choice of law does not deprive you of the protection afforded by provisions that cannot be derogated from by agreement under the law of your country of habitual residence.", "severabilityTitle": "17.2 Severability", "severabilityBody": "If any provision of this Privacy Policy is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.", "waiverTitle": "17.3 No Waiver", "waiverBody": "Our failure to enforce any right or provision of this Privacy Policy shall not constitute a waiver of that right or provision.", "languageTitle": "17.4 Language", "languageBody": "This Privacy Policy is available in English, Dutch, and Spanish. In the event of any conflict between the English version and a translation, the English version prevails, without prejudice to any mandatory right you have to rely on the version in your own language under the data-protection and consumer-protection laws of your country of residence." }, "contact": { "heading": "18. Contact Us", "intro": "For any questions about this Privacy Policy or our data practices, please contact:" } }, "terms": { "title": "Terms of Service", "effective": "Effective date: 16 January 2026", "updated": "Last updated: 18 August 2026", "intro": { "heading": "1. Introduction and Acceptance", "p1": "These Terms of Service (\"Terms\") constitute a legally binding agreement between you (\"User\", \"you\", \"your\") and {{companyName}}, a company registered in Belgium (enterprise number 1026.507.349) (\"Company\", \"we\", \"us\", \"our\"), governing your access to and use of the {{appName}} personal finance platform, including any related websites, applications, and services (collectively, the \"Service\").", "p2": "By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our {{privacyLink}}. If you do not agree to these Terms, you must not use the Service.", "p3": "These Terms are governed by Belgian law and comply with applicable European Union consumer protection regulations, including Directive 2011/83/EU on consumer rights." }, "definitions": { "heading": "2. Definitions", "intro": "In these Terms, unless the context requires otherwise:", "items": [ "\"Account\" means the user account you create to access the Service.", "\"Content\" means any data, text, information, or other materials uploaded, submitted, or generated through the Service.", "\"Personal Data\" has the meaning given in the General Data Protection Regulation (EU) 2016/679 (\"GDPR\").", "\"Subscription\" means a paid plan providing access to premium features of the Service.", "\"User Data\" means all data you input into the Service, including financial information, transactions, and preferences." ] }, "availability": { "heading": "3. Service Availability and Eligibility", "geoTitle": "3.1 Geographic Restriction", "geoBody": "The Service is intended exclusively for users located in the European Union and European Economic Area (EU/EEA). By using the Service, you represent and warrant that you are physically located within the EU/EEA. We reserve the right to restrict access from other locations.", "eligibilityTitle": "3.2 Eligibility", "eligibilityIntro": "To use the Service, you must:", "eligibilityItems": [ "Be at least 18 years of age or the age of legal majority in your jurisdiction", "Have the legal capacity to enter into a binding agreement", "Not be prohibited from using the Service under applicable law" ], "descTitle": "3.3 Service Description", "descBody": "The Service is a web-based personal finance management platform that allows users to track income, expenses, budgets, and investments. The Service may integrate with third-party banking providers to import financial data. We do not provide financial advice, and the Service should not be relied upon for investment, tax, or other financial decisions." }, "account": { "heading": "4. Account Registration and Security", "creationTitle": "4.1 Account Creation", "creationBody": "To access certain features of the Service, you must create an Account by providing accurate, current, and complete information, including a valid email address. You agree to update your information to keep it accurate and current.", "securityTitle": "4.2 Account Security", "securityIntro": "You are responsible for:", "securityItems": [ "Maintaining the confidentiality of your login credentials", "All activities that occur under your Account", "Notifying us immediately of any unauthorized use or security breach" ], "securityOutro": "We will not be liable for any loss or damage arising from your failure to protect your Account credentials.", "oneAccountTitle": "4.3 One Account Per Person", "oneAccountBody": "Each individual may maintain only one Account. We reserve the right to terminate duplicate accounts." }, "subscription": { "heading": "5. Subscription Plans and Pricing", "plansTitle": "5.1 Available Plans", "plansIntro": "We offer the following subscription plans:", "tableHeaders": { "plan": "Plan", "monthly": "Monthly Billing" }, "pricesNote": "All prices are in Euros (€) and include applicable VAT. Features available under each plan are described on our {{pricingLink}}, which forms part of these Terms.", "priceChangesTitle": "5.2 Price Changes", "priceChangesBody": "We reserve the right to modify subscription prices. Any price changes will be communicated to you at least 30 days before taking effect. Price changes will apply to the next billing cycle after the notice period. If you do not agree to a price change, you may cancel your Subscription before the new price takes effect.", "promoTitle": "5.3 Promotional and Introductory Pricing", "promoBody": "We may offer introductory or launch prices and may change or end them at any time for new subscriptions. If you are already subscribed at a launch price, we will give you notice under Section 5.2 before any change takes effect." }, "billing": { "heading": "6. Billing, Payment, and Auto-Renewal", "autoRenewWarning": "Important: Paid subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date.", "cycleTitle": "6.1 Billing Cycle", "cycleItems": [ "Subscriptions are billed monthly, on the same date each month (or on the last day of shorter months)." ], "renewalTitle": "6.2 Automatic Renewal", "renewalBody": "Your Subscription will automatically renew at the end of each billing period at the then-current price, unless you cancel before the renewal date. Your payment method will be charged automatically on each renewal date.", "methodsTitle": "6.3 Payment Methods", "methodsBody": "We accept payment methods as displayed during the checkout process. You authorize us to charge your selected payment method for all fees incurred. You are responsible for keeping your payment information current.", "failedTitle": "6.4 Failed Payments", "failedBody": "If a payment fails, we may retry the charge and/or suspend access to paid features until payment is received. We will notify you of any payment failures and provide an opportunity to update your payment method." }, "cancellation": { "heading": "7. Cancellation", "howTitle": "7.1 How to Cancel", "howIntro": "You may cancel your Subscription at any time by:", "howItems": [ "Using the cancellation option in Settings → Subscription", "Contacting us at hello@briliza.com" ], "effectTitle": "7.2 Effect of Cancellation", "effectIntro": "Upon cancellation:", "effectItems": [ "You retain access to paid features until the end of your current billing period", "After that period ends, your Subscription ends and paid features are no longer available", "Your User Data is preserved and remains available to view, and you can ask us for a copy of it at any time, in line with our Privacy Policy", "No further charges will be made to your payment method" ], "noRefundTitle": "7.3 No Partial Refunds", "noRefundBody": "Cancellations are effective at the end of the current billing period. We do not provide prorated refunds for partial billing periods." }, "refund": { "heading": "8. Refund Policy", "generalPolicy": "General policy: apart from the 14-day right of withdrawal in 8.3, we do not provide refunds.", "rationaleTitle": "8.1 Rationale", "rationaleBody": "The Service is a personal finance tracking and management tool. We provide features and functionality to help you organize your financial data. We do not and cannot guarantee specific financial outcomes, savings, or results. Your financial decisions and their outcomes are your sole responsibility.", "trialTitle": "8.2 Free Trial Alternative", "trialBody": "We offer a 14-day free trial that gives you the full product before committing to a paid Subscription. We strongly encourage you to use the trial to determine whether the Service meets your needs.", "euTitle": "8.3 Your 14-day right of withdrawal", "euBody": "Your Subscription is a contract for a digital service concluded at a distance, so under Directive 2011/83/EU and Book VI of the Belgian Code of Economic Law you may withdraw from it within 14 days, for any reason, without giving one. The statutory period runs from the day the contract is concluded, which is the day you start your free trial. We give you more than that: if you go on to a paid Subscription and change your mind, you may withdraw within 14 days of your first payment, and we refund that payment in full, with nothing charged for the days you used. This does not affect any statutory rights that cannot be waived.", "howTitle": "8.4 How to withdraw", "howBody": "Tell us before the 14 days are up, in a clear statement: email {{emailLink}}, or write to {{companyLine}}. You may use the model form below, but you do not have to, any clear statement will do. We confirm your withdrawal by email without delay and refund you within 14 days of receiving it, using the same payment method you paid with. Withdrawing costs you nothing.", "formIntro": "Model withdrawal form, addressed to {{companyLine}}, {{emailLink}}. Copy it into an email and fill in what applies:", "formItems": [ "I hereby give notice that I withdraw from my contract for the provision of the following service: my subscription", "Ordered on:", "Name of consumer:", "Address of consumer:", "Email address of the account:", "Date:" ] }, "license": { "heading": "9. License Grant and Restrictions", "grantTitle": "9.1 License to Use the Service", "grantBody": "Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial financial management purposes.", "restrictionsTitle": "9.2 Restrictions", "restrictionsIntro": "You agree not to:", "restrictionsItems": [ "Use the Service for any illegal purpose or in violation of applicable laws", "Attempt to gain unauthorized access to the Service, other accounts, or computer systems", "Interfere with or disrupt the integrity or performance of the Service", "Use automated scripts, bots, or other means to access the Service without authorization", "Reverse engineer, decompile, or disassemble any part of the Service", "Copy, modify, distribute, sell, or lease any part of the Service", "Remove or alter any proprietary notices or labels", "Use the Service to compete with us or build a similar product", "Upload malicious code, viruses, or harmful content", "Impersonate any person or entity or misrepresent your affiliation" ] }, "userData": { "heading": "10. User Data and Content", "ownershipTitle": "10.1 Ownership of User Data", "ownershipBody": "You retain all ownership rights to your User Data. We do not claim ownership of any data you input into the Service.", "licenseTitle": "10.2 License to User Data", "licenseBody": "By using the Service, you grant us a limited, non-exclusive license to access, process, and display your User Data solely for the purpose of providing and improving the Service. This license terminates when you delete your Account.", "accuracyTitle": "10.3 Data Accuracy", "accuracyBody": "You are responsible for the accuracy and legality of your User Data. We are not responsible for verifying the accuracy of data you enter or data imported from third-party services.", "portabilityTitle": "10.4 Data Portability", "portabilityBody": "In accordance with the GDPR, you have the right to receive your User Data in a structured, commonly used, machine-readable format. Contact us to request data export." }, "bank": { "heading": "11. Bank Connections and Third-Party Services", "providerTitle": "11.1 Open Banking Provider", "providerBody": "Bank account connections are provided through GoCardless Ltd (trading as Nordigen), a licensed Account Information Service Provider (AISP) authorized under the Payment Services Directive 2 (PSD2). GoCardless is regulated by the Financial Conduct Authority (FCA).", "authTitle": "11.2 Authorization", "authIntro": "When you connect a bank account, you:", "authItems": [ "Authorize GoCardless to access your bank account information on our behalf", "Authenticate directly with your bank, we never receive or store your bank login credentials", "Grant read-only access to account balances and transaction history" ], "durationTitle": "11.3 Connection Duration", "durationBody": "Bank connections typically remain active for 90-180 days depending on your bank's policies. You may need to re-authorize the connection periodically. You can revoke access at any time through the Service or directly through your bank.", "thirdPartyTitle": "11.4 Third-Party Terms", "thirdPartyBody": "Your use of bank connections is also subject to GoCardless's terms of service and your bank's terms. We are not responsible for the availability, accuracy, or functionality of third-party banking services." }, "ip": { "heading": "12. Intellectual Property", "ourTitle": "12.1 Our Intellectual Property", "ourBody": "The Service, including its software, design, text, graphics, logos, icons, images, and all other content (excluding User Data), is owned by {{companyName}} or its licensors and is protected by copyright, trademark, and other intellectual property laws of Belgium, the European Union, and international treaties.", "trademarksTitle": "12.2 Trademarks", "trademarksBody": "\"{{appName}}\", \"{{companyName}}\", and associated logos are trademarks and trade names of {{companyName}}, whether or not registered. You may not use them without our prior written permission.", "feedbackTitle": "12.3 Feedback", "feedbackBody": "If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use and incorporate such feedback into the Service without compensation or attribution." }, "disclaimers": { "heading": "13. Disclaimers and Limitation of Warranties", "asIsTitle": "13.1 \"As Is\" Provision", "asIsBody": "Without affecting the mandatory statutory rights you have as a consumer (see Section 13.4, including the legal conformity guarantee for digital services), and to the maximum extent permitted by law, the Service is provided \"as is\" and \"as available\" without warranties of any kind, either express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.", "noGuaranteesTitle": "13.2 No Guarantees", "noGuaranteesIntro": "We do not warrant or guarantee that:", "noGuaranteesItems": [ "The Service will be uninterrupted, timely, secure, or error-free", "Data imported from banks or other sources will be accurate or complete", "AI-generated categorizations, insights, or suggestions will be accurate", "The Service will meet your specific requirements or expectations", "Any errors in the Service will be corrected" ], "notAdviceTitle": "13.3 Not Financial Advice", "notAdviceBody": "The Service does not constitute financial, investment, tax, legal, or other professional advice. Any information, insights, or suggestions provided by the Service are for informational purposes only. You should consult qualified professionals before making financial decisions.", "consumerTitle": "13.4 Consumer Rights", "consumerBody": "Nothing in this section excludes or limits warranties that cannot be excluded or limited under applicable law, including EU consumer protection laws. As an EU consumer, you have statutory rights that are not affected by these Terms." }, "liability": { "heading": "14. Limitation of Liability", "exclusionTitle": "14.1 Exclusion of Certain Damages", "exclusionIntro": "To the maximum extent permitted by applicable law, {{companyName}} shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:", "exclusionItems": [ "Loss of profits, revenue, or business opportunities", "Loss of data or data corruption", "Loss of goodwill or reputation", "Cost of substitute services", "Financial losses resulting from decisions made using the Service" ], "capTitle": "14.2 Cap on Liability", "capBody": "Our total aggregate liability for all claims arising from or related to the Service shall not exceed the total fees you paid us for the Service in the 12 months preceding the claim.", "exceptionsTitle": "14.3 Exceptions", "exceptionsBody": "The limitations in this section do not apply to: (a) liability for death or personal injury caused by negligence; (b) fraud, fraudulent misrepresentation, gross negligence, or wilful misconduct; (c) the non-performance of an essential obligation that is the subject matter of the contract; (d) any liability that cannot be excluded or limited under applicable mandatory law, including Belgian consumer-protection law (Article VI.83 of the Code of Economic Law); or (e) our obligations under data protection law (GDPR).", "bargainTitle": "14.4 Basis of the Bargain", "bargainBody": "You acknowledge that the limitations of liability reflect a reasonable allocation of risk and are a fundamental element of the basis of the bargain between you and us. The Service would not be provided without such limitations." }, "indemnification": { "heading": "15. Indemnification", "body": "You agree to indemnify, defend, and hold harmless {{companyName}} and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from: (a) your unlawful use of the Service; (b) your breach of these Terms; or (c) your infringement of the rights of a third party. This obligation does not apply to the extent the claim arises from our negligence or wilful misconduct. If you use the Service as a consumer, this indemnity applies only to the extent permitted by mandatory consumer-protection law and never beyond losses you actually and culpably caused." }, "termination": { "heading": "16. Suspension and Termination", "byYouTitle": "16.1 Termination by You", "byYouBody": "You can delete your Account yourself at any time in the app: Settings → Profile → Delete my account. This permanently removes your Account and your User Data straight away. You can also email us at hello@briliza.com and we will do it for you, in accordance with our {{privacyLink}}.", "byUsTitle": "16.2 Termination by Us", "byUsIntro": "We may suspend or terminate your Account if you:", "byUsItems": [ "Violate these Terms or any applicable law", "Engage in fraudulent, abusive, or illegal activity", "Fail to pay Subscription fees after notice and opportunity to cure", "Pose a security risk to the Service or other users" ], "effectTitle": "16.3 Effect of Termination", "effectBody": "Where we suspend or terminate your Account for one of the reasons in Section 16.2, your right to use the Service ceases immediately. If we ever suspend or terminate for a reason not attributable to you, we will give you reasonable prior notice and the opportunity to export your data. Sections of these Terms that by their nature should survive (including intellectual property, disclaimers, limitations of liability, and indemnification) shall survive termination." }, "modifications": { "heading": "17. Modifications to Terms", "intro": "We may modify these Terms at any time. When we make material changes:", "items": [ "We will update the \"Last updated\" date at the top of these Terms", "We will notify you at least 30 days before material changes take effect via email or through the Service", "For changes that materially reduce your rights or increase your obligations, we will seek your affirmative consent where required by law" ], "outro": "If you do not agree to a material change, you may cancel your Subscription or close your Account before it takes effect, and you will not be bound by that change. Material changes do not apply retroactively. Continued use of the Service after a change has taken effect constitutes acceptance of that change." }, "governing": { "heading": "18. Governing Law and Dispute Resolution", "lawTitle": "18.1 Governing Law", "lawBody": "These Terms shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law provisions.", "jurisdictionTitle": "18.2 Jurisdiction", "jurisdictionBody": "Subject to Section 18.3, disputes arising from these Terms or the Service may be brought before the courts of Belgium. If you are a consumer, this does not deprive you of the right to bring or defend proceedings in the courts of your EU country of residence, as guaranteed by mandatory law.", "euTitle": "18.3 EU Consumer Rights", "euBody": "If you are a consumer residing in the EU, nothing in this section deprives you of: (a) the protection of mandatory consumer protection laws of your country of residence; or (b) the right to bring proceedings in the courts of your country of residence.", "odrTitle": "18.4 Out-of-Court Dispute Resolution", "odrBody": "If you are a consumer and we cannot resolve a dispute directly, you may refer it to the Belgian Consumer Mediation Service (Consumentenombudsdienst / Service de médiation pour le consommateur), North Gate II, Koning Albert II-laan 8 box 1, 1000 Brussels, consumentenombudsdienst.be. If you reside in another EU country, you may also contact the alternative dispute resolution body competent in your country of residence. We are willing to take part in out-of-court dispute resolution but are not obliged to do so." }, "general": { "heading": "19. General Provisions", "entireTitle": "19.1 Entire Agreement", "entireBody": "These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements, understandings, and communications.", "severabilityTitle": "19.2 Severability", "severabilityBody": "If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, deemed severed. The remaining provisions shall continue in full force and effect.", "waiverTitle": "19.3 No Waiver", "waiverBody": "Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.", "assignmentTitle": "19.4 Assignment", "assignmentBody": "You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, provided that any such assignment does not reduce your rights under these Terms or under applicable law without your consent.", "forceMajeureTitle": "19.5 Force Majeure", "forceMajeureBody": "We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, power failures, internet or telecommunications failures, or cyberattacks.", "noticesTitle": "19.6 Notices", "noticesBody": "We may provide notices to you via email to the address associated with your Account or through the Service. You must provide notices to us via email to hello@briliza.com. Notices are effective upon receipt.", "languageTitle": "19.7 Language", "languageBody": "These Terms are available in English, Dutch, and Spanish. In the event of any conflict between the English version and a translation, the English version prevails, without prejudice to any mandatory right you have to rely on the version in your own language under the consumer-protection laws of your country of residence.", "headingsTitle": "19.8 Headings", "headingsBody": "Section headings are for convenience only and do not affect the interpretation of these Terms." }, "contact": { "heading": "20. Contact Information", "intro": "For questions, concerns, or notices regarding these Terms, please contact:" } }, "blog": { "eyebrow": "Blog", "title": "Money, made clear", "subtitle": "Practical, jargon-free guides to understanding your money, your investments, and sharing finances as a couple.", "metaDescription": "Practical, jargon-free money guides from Briliza: planning, saving, investing, net worth, and managing money as a couple.", "readTime": "{{minutes}} min read", "empty": "New articles are on the way. Check back soon.", "allArticles": "All articles", "ctaTitle": "See your whole financial life in one place", "ctaSubtitle": "Briliza brings your accounts, spending, saving and investments together, so the whole picture is finally clear.", "topic": { "banking": "Banking", "couples": "Couples & money", "story": "Our story" }, "keyTakeaways": "Key takeaways", "inThisArticle": "In this article", "glossaryTitle": "Glossary", "updated": "Updated", "readArticle": "Read the article", "keepReading": "Keep reading" }, "business": { "product": { "p1title": "All their money in one place", "p1desc": "Accounts at {{bankCount, number}}+ banks, investments, property and loans, together in one running total.", "p2title": "A plan for every month", "p2desc": "A monthly target per category, and always clear what's left, this month and next.", "p3title": "Together with their partner", "p3desc": "Couples see their shared money and each their own, in one place, each with their own share." }, "advisors": { "hero": { "label": "For financial advisors", "title": "Your clients arrive with the", "titleHighlight": "whole picture.", "subtitle": "{{appName}} brings accounts, investments, loans and fixed costs into one place, so a meeting starts at the question, not at collecting paperwork." }, "gains": { "eyebrow": "What changes for you", "title": "Less gathering, more advising.", "p1title": "No more shoebox", "p1desc": "Your client connects their banks and adds investments and loans. No more requesting statements before every meeting.", "p2title": "Always up to date", "p2desc": "Between meetings, {{appName}} keeps the picture current. What changed, and why, is already there.", "p3title": "Time for advice", "p3desc": "The meeting is about decisions, not about finding the numbers. That's what your client comes to you for." }, "product": { "eyebrow": "What your client gets", "title": "An overview they keep up themselves." }, "contact": { "body": "Tell us about your practice and your clients. We reply personally, usually within a day or two. Pricing on request." }, "form": { "company": "Firm", "companyRequired": "Enter your firm's name", "size": "Number of clients (optional)" } }, "employers": { "hero": { "label": "For employers and HR", "title": "Financial calm,", "titleHighlight": "for your whole team.", "subtitle": "Money worries come to work too. {{appName}} gives your people one clear view of their money, and you never see any of it." }, "product": { "eyebrow": "What your team gets", "title": "One clear view of their money." }, "gains": { "eyebrow": "What it means for you", "title": "A benefit, without looking in.", "p1title": "A benefit people can use", "p1desc": "Something your people can open any day of the month, not a leaflet that ends up in a drawer.", "p2title": "Their numbers stay theirs", "p2desc": "As an employer you never see anyone's balances, spending or any other data.", "p3title": "Nothing to manage", "p3desc": "Your people create their own account and connect their own banks. There is nothing to install or run on your side." }, "contact": { "body": "Tell us how big your team is and what you're looking for. We reply personally, usually within a day or two. Pricing on request." }, "form": { "company": "Company", "companyRequired": "Enter your company name", "size": "Number of employees (optional)" } }, "contact": { "title": "Let's talk." }, "form": { "workEmail": "Work email", "sizePlaceholder": "e.g. 40", "question": "What would you like to know? (optional)", "questionPlaceholder": "What slows you down today?" } } }, "debtPage": { "receivables": { "title": "Receivables", "emptyTitle": "No outstanding receivables", "emptyDescription": "No one owes you money" }, "debts": { "title": "Debts", "emptyTitle": "No outstanding debts", "emptyDescription": "You don't owe anyone money" } }, "debtPageV2": { "movements": "{{count}} movement", "settled": { "received": "Got back", "paid": "Paid back", "justNow": "just now", "daysAgo": "{{count}} day ago", "monthsAgo": "{{count}} month ago", "yearsAgo": "{{count}} year ago" }, "overpaid": { "label": "Possible mismatch" }, "detail": { "notFoundTitle": "Party not found", "notFoundDescription": "We couldn't find any transactions for this party." }, "urgency": { "overdueDays": "Overdue {{count}} day", "overdueMonths": "Overdue {{count}} month", "dueThisMonth": "Due this month", "expected": "Expected {{date}}", "needsDate": "Set a date" }, "ledger": { "caption": "What {{name}} gave you, minus their share of each buy, plus their share of each sale and dividend, minus what you paid back. Interest and fees are split the same way.", "buy": "{{name}}'s share of buying {{asset}}", "sell": "{{name}}'s share of selling {{asset}}", "dividend": "{{name}}'s share of the {{asset}} dividend", "interest": "{{name}}'s share of interest", "fee": "{{name}}'s share of fees" } }, "transactionTypes": { "periodQuestion": { "advanced": "When will you get it back?", "borrowed": "When will you pay it back?", "default": "Which month does this count towards?", "unknown": "Don't know" }, "income": { "label": "Income", "description": "Real earnings: salary, sales, interest" }, "expense": { "label": "Expense", "description": "Regular spending from your account" }, "reimbursed": { "label": "Got back", "description": "Someone is paying you back" }, "borrowed": { "label": "Borrowed", "description": "You'll pay someone back" }, "advanced": { "label": "Lent", "description": "Someone will pay you back" }, "payback": { "label": "Paid back", "description": "You're paying someone back" }, "wealthReceived": { "label": "Gift received", "description": "A gift or an inheritance. Not income: it adds to what you own" }, "wealthGiven": { "label": "Gift given", "description": "Money you gave away, or the tax and notary costs of a gift or inheritance" }, "transfer": { "label": "Transfer", "description": "Moving money between your own accounts" }, "holding": { "label": "Bought something I own", "description": "A fund, pension, car or other holding, not everyday spending", "labelIn": "Money from something I own", "descriptionIn": "Sold a piece, or it paid you a dividend or interest" }, "explainer": { "title": "What kind of move is this?", "subtitle": "Every transaction is one of these moves.", "footer": "Lending is the tricky family: money lent or borrowed comes back later, so it never counts as income or spending. It only opens a debt or pays one back.", "loanLabel": "Lending", "moves": { "incomeOneLiner": "Money in that stays, salary, sales, interest.", "expenseOneLiner": "Money out, gone for good.", "loanOneLiner": "Lent or borrowed, it comes back later, so it never counts as income or expense.", "transferOneLiner": "Same money, a different pocket. Never income or expense.", "wealthOneLiner": "Wealth changing hands. Never income or expense: it changes what you own, not what you saved." }, "wealthLabel": "Gift or inheritance" } }, "gifts": { "pageTitle": "Gifts & inheritances", "receivedCaption": "Gifts received, in total", "givenCaption": "Gifts given, in total", "from": "From {{name}}", "to": "To {{name}}", "fromUnknown": "From someone not named yet", "toUnknown": "To someone not named yet", "paymentLine": "{{category}} · {{account}}", "inPeriod": "Gifts & inheritances: {{amount}}", "empty": { "title": "No gifts or inheritances", "description": "A gift or an inheritance, received or given, shows here with every payment." } }, "heldForOthers": { "pageTitle": "Other people's money", "totalCaption": "Some of what's on your accounts belongs to someone else, because they chipped in or keep their money with you. That part is theirs, so we leave it out of what you own.", "empty": { "title": "Nobody has money with you", "description": "When someone chips in on a purchase, say your dad pays half of a share you buy, we show here what's theirs and keep it out of what you own." }, "detail": { "notFound": "We couldn't find this person", "caption": "This sits on your accounts, but it belongs to {{name}}. It doesn't count towards what you own.", "positionsTitle": "Investments {{name}} owns part of", "unitsOf": "{{theirs}} of the {{total}} units are {{name}}'s", "noPrice": "No price yet", "cashTitle": "Cash that's {{name}}'s · {{amount}}", "cashShareOf": "{{share}} of what's on here is {{name}}'s", "theyLentYou": "{{name}} lent you money", "youLentThem": "You lent {{name}} money", "cashDebtsNote": "That's already under Who owes whom, so we don't count it here again", "nothingHeld": { "title": "Nothing of {{name}}'s sits with you right now", "description": "{{name}} has no investments or cash on your accounts any more. If {{name}} chips in on a purchase again, you'll see it here." }, "settledThrough": "You and {{name}} last squared everything up on {{date}}.", "cashAll": "Everything on this account is {{name}}'s", "cashHalf": "Half of what's on here is {{name}}'s" }, "row": { "investmentsAndCash": "Part of the investments on your accounts, and some cash", "investments": "Part of the investments on your accounts", "cash": "Some of the cash on your accounts" } }, "loans": { "pageTitle": "Loans", "terms": { "title": "Monthly cost & end date", "ctaTitle": "Add the rate and end date", "ctaSubtitle": "Then we can show what it costs a month and when it's paid off.", "rateLabel": "Interest rate", "rateHint": "The yearly rate you're charged. Change it here whenever your lender revises it — the old rate keeps its dates.", "endLabel": "Last payment", "endHint": "The month the loan runs out.", "projectionEyebrow": "If nothing changes", "projectionCaveat": "Assuming the rate holds and you keep paying the same amount.", "schedule": "Payment schedule", "saved": "Terms saved", "saveFailed": "Couldn't save the terms. Try again." }, "add": "Add loan", "stillOwed": "Still owed", "totalCaption": "What you still owe on your loans", "settled": "Paid off", "paidOff": "Paid off", "empty": { "title": "No loans yet", "description": "A mortgage or a loan is money you owe. Adding it here keeps your net worth honest: the house counts as yours, the debt counts against it." }, "detail": { "notFound": "This loan no longer exists", "settledCaption": "Nothing left to pay", "splitPending": "Until interest is split out, \"Still owed\" may be lower than your bank's figure.", "noPayments": { "title": "No payments recorded yet", "description": "You owe {{amount}}. Record a payment and it comes off here." }, "detailsTitle": "Loan details", "lenderLabel": "Lender", "takenOutLabel": "Taken out" }, "facts": { "lender": "Borrowed from {{name}}", "paidFor": "Paid for {{name}}", "since": "Taken out in {{month}}", "rate": "{{rate}} interest", "lastPayment": "Last payment in {{month}}", "monthly": "Each month", "interest": "Interest still to come" } }, "netWorth": { "assets": "What you own", "liabilities": "What you owe", "netWorth": "Net Worth", "cashAndBank": "Money on Accounts", "fxMovement": "Exchange-rate movement", "cashAvailable": "Cash Available", "moneyYoullReceive": "Money You'll Receive", "futureExpenses": "Scheduled payments", "moneyYoullPay": "Money You'll Pay", "fixedAssets": "Holdings", "investments": "Investments", "totalInvestments": "Total Investments", "othersOweYou": "Lent", "youOweOthers": "Borrowed", "loans": "Loans", "heldForOthers": "Other people's money", "heldForOthersDetail": { "assets": "{{name}}'s investments", "cashShares": "{{name}}'s cash", "cashDebts": "Money you lent each other", "assetsNote": "We already leave these out of your investments" }, "netPosition": "Net Position", "loansSubtitle": "{{count}} part{{plural}} • {{description}}", "totalReceivable": "Total Receivable", "totalPayable": "Total Payable", "composition": { "title": "Where your net worth comes from", "modeTotals": "Totals", "modeChange": "Monthly change", "average": "Average", "noChange": "No change", "basisSoFar": "so far this month", "basisToday": "today", "basisProjected": "projected", "narrationTopClass": "Most of what you own sits in {{name}}: {{amount}}, or {{share}}%.", "narrationOnlyClass": "All of what you own sits in {{name}}: {{amount}}.", "narrationNoMove": "Nothing moved between {{from}} and {{to}}.", "narrationAdded": "{{name}} added {{amount}}", "narrationTook": "{{name}} took away {{amount}}", "narrationBothDrivers": "{{added}} and {{took}}", "narrationWindow": "From {{from}} to {{to}}, {{body}}." }, "detail": { "backToNetWorth": "Back to Net Worth", "currentBreakdown": "Current Breakdown", "plannedPointerIncome": "{{amount}} more income is planned for later. See it in your forecast", "plannedPointerExpense": "{{amount}} more is planned to pay later. See it in your forecast", "duePayment": "Leaves {{date}}", "dueReceipt": "Expected {{date}}", "plannedPointerRest": "The months still ahead sit in your forecast", "plannedSlice": "{{planned}} of the full {{total}} is for {{periods}}, still in your forecast", "plannedSliceUnknownPeriod": "{{planned}} of the full {{total}} is still in your forecast", "investmentsCta": "View your investments", "heroLabel": { "cash-and-bank": "What you have on your accounts", "fixed-assets": "What your assets are worth", "investments": "What your investments are worth", "receivables": "What's still coming your way", "others-owe-you": "What others owe you", "future-expenses": "What you've got scheduled to pay", "you-owe-others": "What you owe others", "advanced-liability": "What you owe others", "held-for-others": "On your accounts, but it belongs to someone else" }, "empty": { "title": "Nothing to show yet", "description": "This category has no items for the selected owner." }, "cashInterest": { "byType": "By type", "byRate": "By rate" } }, "breakdown": { "cashAndBank": { "title": "Money on Accounts", "totalBalance": "Total Balance", "noAccounts": "No accounts found" }, "fixedAssets": { "title": "Holdings", "totalValue": "Total Value", "groupLabel": "Holdings" }, "investments": { "title": "Investments", "currentMarketValue": "Current market value", "portfolioValue": "Portfolio Value", "noInvestments": "No investments found", "noInvestmentsTitle": "No investments", "noInvestmentsDescription": "Start investing to see your portfolio here" }, "receivables": { "title": "Money You'll Receive", "groupedByTimePeriod": "Grouped by time period", "totalExpected": "Total Expected", "noReceivables": "No accounts receivable" }, "payables": { "title": "Money You'll Pay", "groupedByTimePeriod": "Grouped by time period", "totalPayable": "Total Payable", "noPayables": "No accounts payable" }, "noBank": "No bank", "ownerDebts": { "transactions_one": "{{count}} transaction", "transactions_other": "{{count}} transactions" } }, "spendable": "Spendable", "invested": "Invested", "change": { "title": "What changed", "fromTo": "From {{from}} to {{to}}", "noHistory": { "title": "No net worth history yet", "description": "There is no month-end before this period to measure the change from." }, "subject": "Your net worth", "verdict": { "grew": "{{subject}} grew", "fell": "{{subject}} fell", "heldSteady": "{{subject}} held steady" }, "other": "Other", "more": "{{amount}} more", "less": "{{amount}} less", "noChange": "No change", "tileCaption": "Your net worth", "tileCta": "View breakdown", "classVerdict": { "up": "{{subject}}: up", "down": "{{subject}}: down", "flat": "{{subject}}: unchanged" } }, "atDate": "{{subject}} on {{date}}", "hero": { "trendCaption": "Last 12 months", "trendEmpty": "Not enough months yet" } }, "balances": { "pageTitle": "Who owes whom", "eyebrow_one": "Who owes whom · {{count}} person", "eyebrow_other": "Who owes whom · {{count}} people", "settled": "Settled up", "pairTitle": "{{a}} ↔ {{b}}", "side": { "owed": { "you": "Owed to you", "household": "Owed to you", "owner": "Owed to {{owner}}" }, "owe": { "you": "You owe", "household": "You owe", "owner": "{{owner}} owes" } }, "owesBack": { "owesSide": { "you": "{{name}} still has to pay you back", "household": "{{name}} still has to pay you back", "owner": "{{name}} still has to pay {{owner}} back" }, "sideOwes": { "you": "You still have to pay {{name}} back", "household": "You still have to pay {{name}} back", "owner": "{{owner}} still has to pay {{name}} back" } }, "unlinkedOnly": { "received": { "self": "Received from {{name}}, not linked to a payment yet", "owner": "Sent by {{name}} to {{owner}}, not linked to a payment yet" }, "sent": { "self": "Sent to {{name}}, not linked to a payment yet", "owner": "Sent by {{owner}} to {{name}}, not linked to a payment yet" } }, "ledger": { "lent": { "you": "Ask {{name}} for the {{amount}} you lent", "household": "Ask {{name}} for the {{amount}} you lent", "owner": "Ask {{name}} for the {{amount}} {{owner}} lent" }, "borrowed": { "you": "Pay {{name}} back the {{amount}} you borrowed", "household": "Pay {{name}} back the {{amount}} you borrowed", "owner": "Pay {{name}} back the {{amount}} {{owner}} borrowed" }, "sent": { "you": "Say what the {{amount}} you sent {{name}} was for", "household": "Say what the {{amount}} you sent {{name}} was for", "owner": "Say what the {{amount}} {{owner}} sent {{name}} was for" }, "received": { "you": "Say what the {{amount}} {{name}} sent you pays back", "household": "Say what the {{amount}} {{name}} sent you pays back", "owner": "Say what the {{amount}} {{name}} sent {{owner}} pays back" }, "lentRest": { "you": "Ask {{name}} for the {{amount}} still open of what you lent", "household": "Ask {{name}} for the {{amount}} still open of what you lent", "owner": "Ask {{name}} for the {{amount}} still open of what {{owner}} lent" }, "borrowedRest": { "you": "Pay {{name}} back the {{amount}} still open of what you borrowed", "household": "Pay {{name}} back the {{amount}} still open of what you borrowed", "owner": "Pay {{name}} back the {{amount}} still open of what {{owner}} borrowed" }, "receivedMore": { "you": "{{name}} sent you {{amount}} more than you lent", "household": "{{name}} sent you {{amount}} more than you lent", "owner": "{{name}} sent {{owner}} {{amount}} more than {{owner}} lent" }, "sentMore": { "you": "You sent {{name}} {{amount}} more than you borrowed", "household": "You sent {{name}} {{amount}} more than you borrowed", "owner": "{{owner}} sent {{name}} {{amount}} more than {{owner}} borrowed" }, "ask": { "sent": { "you": "What does the {{amount}} you sent {{name}} pay back?", "household": "What does the {{amount}} you sent {{name}} pay back?", "owner": "What does the {{amount}} {{owner}} sent {{name}} pay back?" }, "received": { "you": "What does the {{amount}} {{name}} sent you pay back?", "household": "What does the {{amount}} {{name}} sent you pay back?", "owner": "What does the {{amount}} {{name}} sent {{owner}} pay back?" } } }, "unlinked": { "eyebrow": "To link", "match": "Link", "notNow": "Not now" }, "link": { "paysBack": "Pays back:", "settledOn": "Settled on {{date}}", "partlySettledOn": "Partly settled on {{date}}", "nets": "Settles:", "lines": "{{count}} lines", "times": "{{count}}× {{name}}", "choose": "Choose what it pays back", "chooseFirst": "Say what this pays back first" }, "detail": { "lent": "Lent", "borrowed": "Borrowed", "overpaid": "not linked yet", "leftoverOf": "left of {{total}}", "expectedBack": "expected back in {{month}}", "closed": "Done ({{count}})", "expectedSince": "you expected it in {{month}}", "settledSince": "since {{date}}", "backAfter": { "lent": "back {{after}} later", "borrowed": "paid back {{after}} later" }, "backSameDay": { "lent": "back the same day", "borrowed": "paid back the same day" }, "paidAhead": { "lent": "{{name}} had paid {{ahead}} before", "borrowed": "you had paid {{ahead}} before" } }, "sections": { "household": "Within your household", "settled": "Settled up ({{count}})", "also": "Also" }, "empty": { "title": "Nobody yet", "description": "Pay for someone or lend them money, and they show up here." }, "pairMove": { "paidBack": "{{payer}} paid {{payee}} back", "lent": "{{payer}} lent money to {{payee}}", "sent": "{{payer}} sent {{payee}} money", "earlierMonths": "Earlier months", "openCost": "{{debtor}} still has to pay {{creditor}} back for this", "openCostPart": "{{debtor}} still has to pay {{creditor}} back {{amount}} of this", "openIncome": "{{debtor}} still has to pass this on to {{creditor}}", "openIncomePart": "{{debtor}} still has to pass {{amount}} of this on to {{creditor}}" }, "move": { "lent": "Lent to {{name}} on {{date}}", "borrowed": "Borrowed from {{name}} on {{date}}", "gotBack": "Got back from {{name}} on {{date}}", "paidBack": "Paid back to {{name}} on {{date}}", "lentOn": "Lent on {{date}}", "borrowedOn": "Borrowed on {{date}}", "gotBackOn": "Got back on {{date}}", "paidBackOn": "Paid back on {{date}}", "to": "To {{name}}", "from": "From {{name}}", "sent": "Sent to {{name}} on {{date}}", "received": "Received from {{name}} on {{date}}", "sentOn": "Sent on {{date}}", "receivedOn": "Received on {{date}}" }, "loanLine": { "left": { "lent": { "you": "You still get {{amount}} back", "household": "You still get {{amount}} back", "owner": "{{owner}} still gets {{amount}} back" }, "borrowed": { "you": "You still have {{amount}} to pay back", "household": "You still have {{amount}} to pay back", "owner": "{{owner}} still has {{amount}} to pay back" } }, "done": { "lent": "Got it all back on {{date}}", "borrowed": "Paid it all back on {{date}}" }, "when": { "expected": "expected in {{month}}", "late": "expected in {{month}}" } }, "search": "Search a name", "noMatch": "No one called “{{query}}”", "claim": { "paidPart": "{{name}} paid back {{paid}} of {{total}}", "paidAll": "{{name}} paid it all back", "isThatAll": "Is that all from {{name}}?", "yesAll": "Yes, {{paid}}", "moreComing": "More is coming", "overpaid": "{{name}} paid {{amount}} too much. Is that a gift?", "yesGift": "Yes, a gift", "nothing": "{{name}} pays nothing back", "shareWasEstimate": "{{name}}'s share becomes {{amount}} (you guessed {{estimate}}). You're square." }, "findRepayment": { "lent": "Already got it back? Find the payment", "borrowed": "Already paid it back? Find the payment" } }, "ownerDebt": { "link": { "searchPlaceholder": "Search a payment", "noneFound": "No payment found in the year before.", "title": "What does this pay back?", "summaryRounding": "{{explained}} of {{total}} explained · {{rounding}} rounding", "summaryFull": "All {{total}} explained", "summaryBelowZero": "What you ticked ran the other way. Also tick what this {{total}} pays back.", "summaryTooMuch": "{{excess}} too much ticked for this {{total}}", "ofTotal": "of {{amount}}", "full": "This repayment is fully used. Untick a cost first.", "saved": "Saved what this paid back", "saveFailed": "Couldn't save that", "noneTitle": "Nothing left to pay back", "noneHint": "Every cost between these two is already paid back.", "hint": "{{amount}} on {{date}}", "notInList": "Not in the list? Find the payment", "leftover": { "square": "{{name}} rounded to {{amount}}. You're square.", "open": { "more": "No, I'll pay {{name}} back {{amount}}", "less": "No, {{name}} still owes me {{amount}}" } }, "findTitle": "Which payment was it?", "findHintPair": "What you pick becomes an expense of {{owner}}", "claimNote": "Becomes an expense of {{owner}}", "split": { "2": "half: {{amount}}", "3": "a third: {{amount}}", "4": "a quarter: {{amount}}" }, "combination": "Suggested: these {{count}} together", "restWith": "{{explained}} of {{total}} explained. The other {{rest}} stays open with {{name}}.", "restBetween": "{{explained}} of {{total}} explained. The other {{rest}} stays open between you.", "noneFits": "No payment of this size found. Search it by name.", "nothingLent": "Nothing is marked as lent to {{name}} yet.", "nothingBorrowed": "Nothing is marked as borrowed from {{name}} yet.", "searchAnyway": "Find the payment anyway" } }, "review": { "nothingToReview": "Nothing to review", "allUpToDate": "All transactions are up to date!", "allDone": "All done!", "continueReviewing": "Continue reviewing", "transactionToReview": "1 transaction to review", "transactionsToReview": "{{count}} transactions to review", "doneForNow": "Not now", "looksGood": "Looks good", "unconfirmToEdit": "Reviewed, uncheck to edit", "confirm": "Mark as reviewed", "confirmed": "Reviewed", "confirmedClickUndo": "Reviewed, tap to undo", "confirmAllParts": "Mark all parts as reviewed", "allPartsReviewedClickUndo": "All parts reviewed, tap to undo", "somePartsReviewedClickAll": "{{reviewed}} of {{total}} parts reviewed, tap to review all", "selectCategoryFirst": "Select a category first", "skip": "Skip", "done": "Done", "today": "Today", "yesterday": "Yesterday", "progress": "{{current}} of {{total}}", "showEverything": "Show everything", "undo": "Undo", "quickReviewTitle": "Quick Review", "firstRunHint": "We've filled in the details for you. Confirm them with {{action}}, or change anything that's off.", "savedHeadline": "Still to review", "stillToReviewHeadline": "{{scope}} still to review", "doneHeadline": "{{scope}} done", "bodyAllReviewed_one": "You reviewed the one transaction.", "bodyAllReviewed_other": "You reviewed all {{count}} transactions.", "bodyMixed_one": "You reviewed {{count}} of {{total}} transactions. The other {{skipped}} stay here until you review them.", "bodyMixed_other": "You reviewed {{count}} of {{total}} transactions. The other {{skipped}} stay here until you review them.", "bodySkippedAll_one": "You skipped the one transaction. It stays here until you review it.", "bodySkippedAll_other": "You skipped all {{count}} transactions. They stay here until you review them.", "offerElsewhereInMonth_one": "One more is waiting elsewhere in {{scope}}.", "offerElsewhereInMonth_other": "{{count}} more are waiting elsewhere in {{scope}}.", "offerMonth_one": "One more is waiting in {{scope}}.", "offerMonth_other": "{{count}} more are waiting in {{scope}}.", "offerEarlierMonth_one": "Everything after {{scope}} is already reviewed. One is still waiting in {{scope}}.", "offerEarlierMonth_other": "Everything after {{scope}} is already reviewed. {{count}} are still waiting in {{scope}}.", "reviewScope": "Review {{scope}}", "alreadyReviewedToday": "Already reviewed at {{time}}.", "alreadyReviewedYesterday": "Already reviewed yesterday at {{time}}.", "allCaughtUp": "All caught up!", "allCaughtUpDone": "No unreviewed transactions. Great work!", "completionMessage": "You've reviewed all {{count}} transactions. Great work!", "confirmAndFinish": "Confirm & Finish", "confirmAndNext": "Confirm & Next", "skipForNow": "Skip for now", "selectCategoryToConfirm": "Select a category to confirm", "editPartsToChangeAmounts": "Edit parts to change amounts", "linkedTransferConfirmed": "Linked transfer confirmed", "undoConfirmation": "Undo confirmation", "undoConfirmationAll": "Undo all", "editableDescription": "Toggle to mark as reviewed and skip the review queue", "editableShort": "Toggle to mark as reviewed", "lockedDescription": "Marked as reviewed, won't appear in review queue", "lockedShort": "Won't need reviewing" }, "ownerAssignment": { "overlay": { "sharedHint": "Paid for the two of you? Put it on {{name}}, and the money you get back from the joint account closes it.", "skip": "Skip", "allDone": "All done!", "nothingToAssign": "Every transaction has an owner", "confirmed": "{{count}} confirmed", "reassigned": "{{count}} reassigned", "skipped": "{{count}} skipped", "done": "Done", "whoFor": "Who is this for?", "keep": "Keep" } }, "labels": { "title": "Labels", "manageTitle": "Manage labels", "manageCategories": "Manage Categories", "statsActive": "{{active}} active", "statsTotal": "{{total}} total", "addLabel": "Add label", "editLabel": "Edit label", "create": "Create label", "save": "Save", "nameStepTitle": "What should this label be called?", "typesStepTitle": "Where should it apply?", "createIntro": "Labels tag transactions across categories, so you can track spending for a trip, a project, or anything else.", "name": "Name", "namePlaceholder": "e.g., Holiday Spain, Kitchen Reno, Side Project", "useFor": "Use for", "useForHint": "Pick all that fit — most labels work for every type.", "types": { "income": "Income", "incomeHint": "Salary, dividends, refunds", "expense": "Expense", "expenseHint": "Purchases, bills, subscriptions" }, "filter": { "all": "All", "showInactive": "Show inactive" }, "empty": { "title": "No labels yet", "description": "Labels let you group transactions across categories. Tag all expenses for a holiday, a renovation, or a side project, then filter by label to see the full picture.", "examples": "Ideas: \"Holiday Spain 2026\", \"Kitchen Renovation\", \"Wedding\"", "action": "Create your first label", "filteredTitle": "No matching labels", "filteredDescription": "Try a different filter or create a new label.", "filteredAction": "Show All" }, "inactive": "Inactive", "activate": "Activate", "deactivate": "Deactivate", "deleteConfirm": "Delete \"{{name}}\"?" }, "reviewCombos": { "reportCard": { "title": "Review Report Card", "currentMonth": "This Month", "overall": "Overall", "totalReviewed": "Reviewed", "unreviewed": "Unreviewed", "unreviewedAmount": "To review", "gradeHistory": "Monthly Overview", "details": "Drill Down", "detailsDescription": "Click any cell to review those transactions", "switchAccount": "Switch Account:", "viewAllAccounts": "View All Accounts", "noTransactions": "No transactions found", "noTransactionsDescription": "No transactions found for the selected filters." }, "session": { "reviewed": "{{count}} reviewed", "skipped": "{{count}} saved for later" }, "indicator": { "reviewGrade": "Review grade" } }, "currency": { "rateSource": "ECB rates", "ratesAge": "Rates · {{time}}", "refreshRates": "Refresh rates", "sourceTransfer": "the rate you got", "sourceMarket": "at today's ECB rate", "rateUnavailable": "no live rate", "totalExcludesUnconvertible": "Total excludes currencies with no available rate.", "unconvertibleRows_one": "{{count}} transaction in a currency with no available rate.", "unconvertibleRows_other": "{{count}} transactions in a currency with no available rate." }, "trendsOverview": { "reportV2": { "openLabel": "View as report", "biggestExpense": "Biggest expense", "biggestIncome": "Biggest income", "flipAria": "Flip to see your last 6 months", "rateDetailCta": "View savings rate" }, "story": { "cardCta": "See your recap", "prevPeriod": "Previous period", "nextPeriod": "Next period", "coverTitle": "{{period}}, wrapped", "coverSubtitleSavings": "Your income and expenses, transfers between accounts left out.", "coverSubtitleCashflow": "Every euro in and out of your accounts, transfers included.", "momMore": "{{pct}} more than {{prev}}", "momLess": "{{pct}} less than {{prev}}", "incomeTitle": "You earned", "cashInTitle": "Money came in", "expenseTitle": "You spent", "cashOutTitle": "Money went out", "netSavedTitle": "You saved", "netOverspentTitle": "You overspent", "netEvenTitle": "You broke even", "netUpTitle": "More came into your accounts than left", "netDownTitle": "More left your accounts than came in", "netFlatTitle": "As much came into your accounts as left", "savingsRatePct": "{{pct}} of your income", "outroEyebrow": "That's a wrap", "outroSaved": "In {{period}} you saved {{net}}, a {{rate}} savings rate.", "outroOverspent": "In {{period}} you spent {{amount}} more than you earned.", "outroEven": "In {{period}} your income and spending balanced out.", "outroCashUp": "In {{period}}, {{amount}} more came into your accounts than left them.", "outroCashEven": "In {{period}}, as much came into your accounts as left them.", "outroCashDown": "In {{period}}, {{amount}} more left your accounts than came in." }, "modesExplainer": { "openLabel": "What do these views mean?", "title": "Savings or your accounts?", "subtitle": "Two angles on the same money, pick the one that answers your question.", "savingsDesc": "What you earned and spent, shown in the month you chose. Loans, investments, and transfers between your accounts are left out.", "cashflowDesc": "Every euro in and out of your accounts, counted on the day it actually moved. Loans and investments included; transfers between your own accounts cancel out to zero.", "whatCountsTitle": "What counts", "rows": { "salary": "Salary", "groceries": "Groceries", "transferBetween": "Transfer between accounts", "loan": "Loan, borrow or repay", "investment": "Investment, buy or sell", "gift": "Gift or inheritance" }, "timingTitle": "And when it counts", "timingHint": "See how each lens treats the same euro, or flip the toggle yourself.", "timing": { "shiftLabel": "Shift", "spreadLabel": "Spread", "phoneTitle": "New phone, {{amount}}", "phoneCashflow": "Counted in full in {{month}}, the month you paid.", "phoneSavings": "Spread as {{amount}} a month across the year." } }, "breakdown": "Breakdown", "breakdownExpenses": "Expense Breakdown", "breakdownIncome": "Income Breakdown", "breakdownCashOut": "Where it went", "breakdownCashIn": "Where it came from", "cards": { "income": "Income", "expenses": "Expenses", "netSavings": "Net Savings", "savingsRate": "Savings Rate", "cashIn": "Into your accounts", "cashOut": "Out of your accounts", "netFlow": "Net on your accounts", "perMonth": "/mo", "avg": "Average last 6 months:" }, "savingsTarget": { "prompt": "Set a target", "other": "Other", "save": "Save" }, "insights": { "highInPeriod": "Highest in {{count}} {{unit}}", "lowInPeriod": "Lowest in {{count}} {{unit}}", "noActivity": "No activity this {{unit}}", "streakDown": "Falling {{count}} {{unit}} straight", "streakUp": "Rising {{count}} {{unit}} straight" }, "periodUnits": { "monthly": "months", "monthlySingular": "month", "quarterly": "quarters", "quarterlySingular": "quarter", "yearly": "years", "yearlySingular": "year" }, "periods": { "YTD": "YTD", "6M": "6M", "1Y": "1Y", "3Y": "3Y", "5Y": "5Y", "All": "All" }, "periodsLong": { "YTD": "Year to date", "6M": "6 months", "1Y": "1 year", "3Y": "3 years", "5Y": "5 years", "All": "All time" }, "empty": { "title": "No trend data yet", "description": "Trends appear once you have 3+ months of data." }, "flowCard": { "subtitle": "See how your money flows from income to expenses" }, "inactiveCategories": { "show": "Show {{count}} more", "hide": "Show less" }, "uncategorizedCard": { "cta": "Categorize" }, "actions": { "reviewChip": "{{count}} to review", "assignChip": "{{count}} to assign" }, "detail": { "back": "Back", "noData": "No data for this metric", "heroCaption": "Your {{metric}} in {{period}}", "drawerCaption": "in {{period}}", "otherSubcategory": "Other", "amount": "Amount", "share": "Share", "topMovers": "What changed the most", "comparePeriods": "Compare with another period", "comparePickAnother": "Pick another", "compareShortcuts": { "previous": "Previous period", "lastYear": "Same period last year" }, "compare": { "question": "Compare {{period}} with what?", "spentMore": "In {{a}} you spent {{amount}} more than in {{b}}", "spentLess": "In {{a}} you spent {{amount}} less than in {{b}}", "spentSame": "In {{a}} you spent as much as in {{b}}", "receivedMore": "In {{a}} you received {{amount}} more than in {{b}}", "receivedLess": "In {{a}} you received {{amount}} less than in {{b}}", "receivedSame": "In {{a}} you received as much as in {{b}}", "rowMore": "{{amount}} more", "rowLess": "{{amount}} less", "spentMoreSoFar": "So far in {{a}} you spent {{amount}} more than in {{b}}", "spentLessSoFar": "So far in {{a}} you spent {{amount}} less than in {{b}}", "spentSameSoFar": "So far in {{a}} you spent as much as in {{b}}", "receivedMoreSoFar": "So far in {{a}} you received {{amount}} more than in {{b}}", "receivedLessSoFar": "So far in {{a}} you received {{amount}} less than in {{b}}", "receivedSameSoFar": "So far in {{a}} you received as much as in {{b}}" }, "showAllMovers": "Show {{count}} more", "showLess": "Show less", "noChanges": "No changes vs this period", "bestMonth": "Best: {{value}} in {{period}}", "worstMonth": "Lowest: {{value}} in {{period}}", "streak": "{{count}}-{{unit}} {{direction}} trend", "streakUp": "upward", "streakDown": "downward", "aboveAvg": "Above average {{count}} of {{total}} {{unit}}", "belowAvg": "Below average {{count}} of {{total}} {{unit}}", "recentVsAvg": "Last {{unit}} was {{pct}} {{direction}} your average", "above": "above", "below": "below", "momChange": "{{direction}} {{value}} vs previous {{unit}}", "up": "Up", "down": "Down", "heroCaptionNamed": "{{metric}} in {{period}}" }, "contributionNote": "Counts as income. Was it a repayment? Say what it paid back." }, "categoryNames": { "19": "Groceries", "20": "Coffee & Bars", "21": "Dining Out", "22": "Personal", "23": "Work-related", "24": "Fruit & Vegetables", "25": "Meat & Fish", "26": "Dairy", "27": "Bread & Grains", "28": "Meal Subscriptions", "29": "Snacks", "30": "Rent & Mortgage", "31": "Insurance", "32": "Bills", "33": "Repairs", "34": "Furnishings", "35": "Rent", "36": "Property Tax", "37": "HOA / Syndic Fees", "38": "Home Loan Interest", "39": "Purchase Fees", "40": "Home Insurance", "41": "Legal Protection", "42": "Contents Insurance", "43": "Electricity", "44": "Water", "45": "Gas", "46": "Internet & Mobile", "47": "Trash", "48": "Plumbing", "49": "Electrical", "50": "Roof & Structure", "51": "Cleaning", "52": "General Repairs", "53": "Furniture", "54": "Lighting", "55": "Textiles", "56": "Appliances", "57": "Decoration", "58": "Public Transportation", "59": "Car", "60": "Bike", "61": "Plane", "62": "Fuel", "63": "Maintenance & Repairs", "64": "Parking", "65": "Tolls", "66": "Vehicle Insurance", "67": "Purchase", "68": "Lease Payments", "69": "Loan Interest", "70": "Registration & Licensing", "77": "Appearance", "78": "Apparel", "79": "Entertainment", "80": "Sport", "81": "Education", "82": "Other", "83": "Pets", "84": "Hair & Barber", "85": "Skincare", "86": "Body Care", "89": "Clothes", "90": "Shoes", "91": "Underclothing", "92": "Accessories", "93": "Laundry", "94": "Movies", "95": "Music", "96": "Reading", "97": "Gaming", "98": "Creative Hobbies", "99": "Memberships", "100": "Sportswear", "101": "Equipment", "102": "Classes", "103": "Technology", "104": "Events", "105": "Purchase", "106": "Food", "107": "Medication", "108": "Vet Bills", "109": "Accessories", "110": "Phone & Audio", "111": "Computer & Tablet", "112": "TV & Display", "113": "Software & Services", "114": "Wearables & Accessories", "115": "Formal Education", "116": "Online & Continuing Education", "117": "Charity", "118": "Gifts", "124": "Purchase", "125": "Maintenance & Repairs", "126": "Accessories", "127": "Bike Insurance", "128": "Leasing", "129": "Local Travel", "130": "Long Distance Travel", "134": "Ticket", "135": "Baggage Fees", "136": "Seat Selection", "137": "Taxes & Surcharges", "138": "Other Travel Costs", "139": "General Health", "140": "Mental Health", "141": "Dental Care", "142": "Medication", "143": "Health Insurance", "144": "Doctor", "145": "Hospital", "146": "Physiotherapy", "147": "Psychologist", "148": "Other", "149": "Coaching", "150": "Self-Help Tools", "151": "Courses & Retreats", "152": "Checkup", "153": "Treatment", "154": "Orthodontics", "155": "Prescription", "156": "Over-the-Counter", "157": "Supplements", "159": "Salary", "160": "Pension", "161": "State Benefits", "162": "Scholarships", "163": "Other", "165": "Service Revenue", "166": "Other", "167": "Product Sales", "168": "Bonuses", "169": "Reimbursements", "171": "Management Fee", "172": "Dividends", "173": "Interest", "174": "Reimbursements", "176": "Capital Gains", "177": "Rental Income", "178": "Interest", "179": "Dividends", "180": "Other", "182": "Family Allowance", "183": "Gifts", "184": "Family Refunds", "185": "Inheritance", "186": "Other", "187": "Insurance Payouts", "189": "Holiday Pay", "190": "Meal Vouchers", "191": "Eco-cheques", "192": "Expense Reimbursements", "193": "Exit Compensation", "194": "Grants & Subsidies", "195": "Royalties", "196": "Other", "197": "Child Benefits", "198": "Tax Refunds", "199": "Takeout & Delivery", "200": "Taxi & Rideshare", "201": "Household", "202": "Supplies", "203": "Garden", "204": "Cookware", "205": "Therapy", "206": "Osteopath", "207": "Speech Therapy", "208": "Alternative", "209": "Lab & Imaging", "210": "Maternity", "211": "Eye Care", "212": "Exam", "213": "Glasses", "214": "Contacts", "215": "Going Out", "216": "Wellness", "217": "Family Support", "218": "Children", "219": "Other", "221": "Accommodation", "222": "Transport", "223": "Food & Dining", "224": "Activities", "225": "Other", "226": "Other Food", "227": "Other Housing", "228": "Other Transportation", "229": "Other Health", "230": "Other Groceries", "231": "Other Dining Out", "232": "Other Takeout & Delivery", "233": "Other Rent/Mortgage", "234": "Other Insurance", "235": "Other Utilities", "236": "Other Furnishings", "237": "Other Household", "238": "Other Public Transport", "239": "Other Car", "240": "Other Bike", "241": "Other General Health", "242": "Other Dental Care", "243": "Other Medication", "244": "Other Therapy", "245": "Other Eye Care", "246": "Other Appearance", "247": "Other Apparel", "248": "Other Entertainment", "249": "Other Sport", "250": "Other Education", "251": "Other Pets", "252": "Other Technology", "253": "Souvenirs & Shopping", "304": "Alcohol", "305": "Beer", "306": "Wine & Bubbles", "307": "Spirits & Cocktails", "308": "Other Alcohol", "310": "Tobacco & Nicotine", "311": "Cigarettes & Tobacco", "312": "Vapes & Pouches", "313": "Other Tobacco & Nicotine", "315": "Gambling & Lottery", "316": "Bank Fees", "317": "Memberships & Dues", "318": "Life Insurance", "320": "Income Tax", "321": "Gift", "322": "Gift & inheritance tax, notary", "323": "Gift" }, "incomeSpendingDefaults": { "settingsTitle": "Income Protection", "settingsDescription": "Decide how much of each income is available to spend", "title": "Income Protection", "marketingTitle": "Protect part of every income for wealth building", "marketingSubtitle": "Split each income into a spendable share and a wealth-building share, automatically.", "setupCta": "Set up income protection", "previewBenefit1": "Splits each income into a spendable part and a wealth-building part", "previewBenefit2": "Auto-funds your category plans with spendable income (FIFO)", "previewBenefit3": "Adds a \"months ahead funded\" section on the planning page", "heroExampleTitle": "Example: salary at 50% spendable", "heroExampleIncome": "€3,000 salary", "heroExampleSpendable": "€1,500 spendable", "heroExampleSaved": "€1,500 saved", "heroExampleExplain": "Only €1,500 flows into expenses. €1,500 goes toward wealth building.", "wizardStep1Label": "Pick a starting point", "wizardStep1Title": "How much of your income should be spendable?", "wizardStep1Description": "One percentage for every kind of income — you can fine-tune each one next.", "wizardStep2Label": "Fine-tune by category", "wizardStep2Title": "How much of each income can you spend?", "wizardStep2Description": "Applies to new income, and to past income you didn't change yourself.", "wizardStep3Label": "Review and enable", "wizardStep3Title": "Turn on income protection?", "wizardStep3Description": "These apply to past income too, except what you changed yourself.", "wizardPreset": { "mostSpendable": { "label": "Most spendable", "description": "Keep most of your income free to spend, save a little on the side." }, "balanced": { "label": "Balanced", "description": "Half goes to spending, half goes toward wealth building." }, "wealthFocused": { "label": "Wealth-focused", "description": "Save aggressively, only a quarter of your income flows to spending." }, "custom": { "label": "Custom percentage", "applyCta": "Apply to all" } }, "wizardSkipPreset": "I'll set each category manually", "wizardProgress": "{{configured}} of {{total}} configured", "wizardProgressDone": "All {{total}} configured", "wizardRetroNote": "When you enable protection we'll apply these percentages to your past income, except for entries you've already adjusted manually.", "wizardEnableCta": "Enable income protection", "autoSyncedPast": "Synced {{count}} past income row(s) to your new defaults.", "autoSyncNote": "Changes to defaults are applied automatically to past income, manually-adjusted rows are preserved.", "statusOnReady": "On, {{count}} income categories configured.", "statusOnIncomplete": "On, but {{count}} categories still need a default.", "setupIncompleteTitle": "Setup incomplete.", "missingDefaultsBanner": "{{count}} category default(s) still need a value. Configure them below to finish setup.", "cannotEnableMissing": "Set a default for every income category before turning protection on. Still missing: {{categories}}", "notConfigured": "This income hasn't been configured yet. Choose how much of it is spendable so it counts in your plan.", "notConfiguredNoCategory": "Pick a category first, then choose how much of this income is spendable so it counts in your plan.", "setAsDefault": "Set as default", "updateDefault": "Update default", "removeDefault": "Remove default", "currentDefault": "Default: {{percentage}}%", "defaultSaved": "Default saved: {{categoryName}} at {{percentage}}%", "defaultRemoved": "Default removed for {{categoryName}}", "applyDefault": "Apply default ({{percentage}}%)", "defaultHint": "Your default for this income type is {{percentage}}%", "bulkSaved": "Set {{count}} categories to {{percentage}}%", "bulkSavedWithSync": "Set {{count}} categories to {{percentage}}%. Synced {{syncedCount}} past income row(s).", "quickSet": "Quick set:", "allTo": "All to {{percentage}}%", "advancedSettings": "Advanced settings", "noCategoryId": "Cannot set default: income category not identified", "noCategories": "No income categories", "noCategoriesDesc": "Income categories will appear here once you have categorized income transactions.", "allocateGuard": "Income allocation requires income protection to be enabled. Turn it on to decide how much of each income is available to spend.", "goToSettings": "Set up Income Protection" }, "onboarding": { "finishLater": "I'll finish later", "pickAny": "Pick any that apply", "steps": { "welcome": "Welcome", "name": "Your name", "purpose": "Goals", "situation": "About you", "account": "Accounts", "tour": "The basics", "recap": "All set" }, "moneyMoves": { "title": "How your money moves", "subtitle": "The three moves you'll see most, and we usually spot them for you.", "footnote": "Money you borrow, lend, or invest gets its own label the moment you need it." }, "allSet": { "title": "Welcome to {{appName}}", "titleNamed": "Welcome to {{appName}}, {{name}}", "subtitle": "Your whole money, in one calm place.", "cta": "Take me to {{appName}}" }, "welcome": { "title": "Welcome to {{appName}}", "description": "Let's set up your space. A few quick questions so we can tailor the app to you.", "cta": "Get started" }, "name": { "title": "How can we call you?", "label": "Your name", "placeholder": "Your name", "placeholderPartner": "Your partner's first name", "placeholderYou": "Your first name", "titleCouple": "What are your names?" }, "household": { "who": { "title": "Who's this for?", "solo": "Just me", "partner": "Me and my partner" }, "money": { "title": "How do you two handle money?", "together": "All together, it's all ours", "togetherHint": "One login for the two of you is all you need.", "some": "Some together, some on our own", "someHint": "Each of you starts your own login, and you connect them in Settings.", "unsure": "We're still figuring that out", "unsureHint": "Start with your own money. You can connect later." }, "saveError": "Couldn't save that. Check your connection and try again." }, "purpose": { "title": "Why are you here?", "titleCouple": "Why are you here?", "tiles": { "spending": { "name": "See where my money goes", "nameCouple": "See where our money goes" }, "saving": { "name": "Grow my savings", "nameCouple": "Grow our savings" }, "investing": { "name": "Follow my investments", "nameCouple": "Follow our investments", "description": "Track stocks, ETFs, crypto or bonds." }, "planning": { "name": "Plan ahead", "nameCouple": "Plan ahead", "description": "Look forward and forecast what's coming." } } }, "situation": { "title": "What's applicable to you?", "titleCouple": "What's applicable to you two?", "lockedHint": "Already in use", "tiles": { "home": { "name": "I own a home, car, pension or other assets", "nameCouple": "We own a home, car, pension or other assets" }, "selfEmployed": { "name": "I'm self-employed or freelance", "nameCouple": "One of us is self-employed or freelance", "description": "We'll add self-employment income." }, "business": { "name": "I run a business", "nameCouple": "One of us runs a business", "description": "We'll add business income." } } }, "done": { "title": "You're all set!", "description": "Your preferences are saved. Let's dive into your finances.", "cta": "Take me to Briliza" } }, "loanSimulator": { "pageTitle": "Loan affordability", "banner": { "title": "Loan affordability", "subtitle": "See what you can afford to borrow, based on what you actually earn." }, "income": { "title": "What you earn", "subtitle": "Your average monthly income over the last 12 months, by source. Pick which ones count toward a loan.", "qualifyingIncome": "Income the bank counts", "averageNote": "Your 12-month average", "perMonth": "a month", "uncategorized": "Uncategorized", "includeAria": "Count {{source}} toward the loan", "expandAria": "Show {{source}} breakdown", "noData": "We don't see 12 months of income yet.", "noDataHint": "Categorize your income or enter an estimate below to keep exploring.", "manualLabel": "Estimated monthly income", "manualHelp": "We'll use this until your real income history builds up." }, "bankRule": { "title": "How much of your income can go to the loan", "subtitle": "Lenders cap loan payments at a share of your income. Drag to match your bank.", "capLabel": "Payments up to", "ofIncome": "of income", "maxPayment": "Max monthly payment", "netNote": "Based on income landing in your accounts (net). Banks use gross figures, so nudge the slider to match your lender." }, "borrowingPower": { "title": "What you could borrow", "approx": "You could borrow about", "exploring": "A loan of", "paymentLine": "{{payment}} a month, at {{rate}} over {{term}} years", "noIncome": "Add some income above to see your borrowing power." }, "explore": { "title": "Explore a loan", "subtitle": "Adjust the amount to see the real cost.", "amount": "Loan amount", "useMax": "Use my max", "overMax": "Above your estimated max, payments would exceed the bank rule.", "monthlyPayment": "Monthly payment" }, "realityCheck": { "title": "Reality check", "basis": "Your typical month (from your plan)", "income": "Typical income", "expenses": "Typical spending", "spareCashNow": "Spare cash", "loanPayment": "This loan payment", "afterPayment": "After this payment", "comfortable": "This payment fits inside your spare cash.", "tight": "This payment is more than your spare cash, borrowing to the limit would leave you tight.", "negative": "Your cashflow is already negative, a loan would strain it further.", "viewCashflow": "See your cashflow", "estimateNote": "The bank counts what landed in your accounts over the last 12 months; this check uses the typical month your plan expects, so the two incomes can differ." }, "amortization": { "sectionTitle": "Payment schedule" }, "howItWorks": { "title": "How this is calculated", "body": "We average the income that landed in your accounts over the last 12 months (only the sources you count), take the share of it a bank lets go to a loan, and run the fixed-rate loan formula in reverse to estimate how much you could borrow. The reality check then sets that payment against a typical month from your plan: what usually comes in, minus what you plan to spend." }, "form": { "years": "years" }, "warnings": { "rateHigh": "An annual rate above 25% is unusual, double-check it's not a monthly rate.", "termLong": "Terms longer than 50 years are unusual." }, "summary": { "totalInterest": "Total interest", "payoffDate": "Paid off" }, "chart": { "interest": "Interest", "principal": "Paid off the loan", "balance": "Still owed" }, "schedule": { "yearly": "Yearly", "monthly": "Monthly", "year": "Year", "date": "Date", "payment": "Payment", "payments": "Paid", "interest": "Interest", "principal": "Paid off the loan", "remaining": "Still owed", "endBalance": "Still owed at year end" }, "whatIf": { "title": "Pay it off faster", "subtitle": "Tap an amount to see how much sooner you'd be done.", "extraPerMonth": "Extra each month", "none": "None", "year": "year", "years": "years", "month": "month", "months": "months", "resultInterest": "You'd save {{amount}} in interest.", "resultTime": "You'd be done {{time}} sooner.", "resultPayoff": "Loan paid off in {{newPayoff}} instead of {{originalPayoff}}.", "guaranteedTag": "guaranteed · your {{rate}} rate", "empty": "Pick an amount above to see what you'd save.", "invest": { "title": "Or invest it instead?", "rate": "Assumed return", "result": "Could grow to ~{{value}} in {{years}} years", "marketRisk": "market risk", "verdictHigher": "That's above your {{rate}} loan rate, investing may grow more, but isn't guaranteed.", "verdictLower": "That's below your {{rate}} loan rate, overpaying likely comes out ahead, and it's guaranteed.", "verdictEqual": "About the same as your {{rate}} loan rate, overpaying is the guaranteed option.", "riskNote": "Illustration only, investing isn't guaranteed and carries market risk." } }, "footer": { "disclaimer": "Calculator only, assumes a fixed rate, monthly payments, and no fees. Real loans may include taxes, insurance, or rate revisions that aren't shown here." } }, "categoryDetails": { "title": "Category Details" }, "futureReadiness": { "cash": "Cash" }, "subcategories": { "label": "Subcategories:" }, "chartBaseline": { "captionStart": "This line begins the day you started, not at this window, so it shows where you stand overall.", "switchToStart": "Measure since you started", "zeroAt": "0 from {{date}}" }, "chartPeriod": { "YTD": "YTD", "6M": "6M", "1Y": "1Y", "3Y": "3Y", "5Y": "5Y", "10Y": "10Y", "20Y": "20Y", "50Y": "50Y", "All": "All time" }, "chartExport": { "savePng": "Save PNG", "saved": "Chart saved" }, "chartType": { "bar": "Bar", "line": "Line", "split": "Split by investment" }, "incomeAllocationOverview": { "title": "Allocation overview", "selectOwnerTitle": "Select an owner", "selectOwnerDesc": "Choose an owner from the sidebar to view income configuration.", "tooManyTitle": "Too many owners selected", "tooManyDesc": "Please select only one owner to view their income configuration.", "heading": "Income overview", "subheading": "Configure spendable percentages for all income types", "totalIncomes": "total incomes", "needsReview_one": "{{count}} type needs review", "needsReview_other": "{{count}} types need review", "allConsistent": "All consistent", "typesConsistent_one": "{{count}} income type • {{consistent}} consistent", "typesConsistent_other": "{{count}} income types • {{consistent}} consistent", "allocationDistribution": "Allocation distribution", "allocatable": "Allocatable", "funded": "Funded", "unallocated": "Unallocated", "fundedTo": "Funded to:", "fundedColon": "Funded:", "past": "Past", "sameMonth": "Same month", "same": "Same", "future": "Future", "left": "left", "noIncomeTitle": "No income found", "noIncomeDesc": "Import transactions with income to see them here.", "mixed": "Mixed", "incomeCount_one": "{{count}} income", "incomeCount_other": "{{count}} incomes", "keepExtremes": "Keep 0% and 100% unchanged", "skippedCount": "({{count}} skipped)", "set": "Set", "updateConfirmTitle_one": "Update {{count}} transaction?", "updateConfirmTitle_other": "Update {{count}} transactions?", "updateConfirmBody": "This will set {{scope}} {{category}} ({{period}}) to {{percentage}}% spendable.", "updateScopeAll": "all", "updateScopeMiddle": "middle-value", "allYears": "all years", "extremesKept": "{{count}} at 0%/100% will be kept unchanged.", "yesUpdateAll": "Yes, update all", "updating": "Updating…", "setAllYearsTo_one": "Set all {{count}} year to:", "setAllYearsTo_other": "Set all {{count}} years to:", "saving": "Saving…", "applyTo": "Apply to {{count}}", "setAllYears": "Set all years to…", "backToAllocate": "Back to allocate", "saveFailed": "Failed to save default", "removeFailed": "Failed to remove default", "updateFailed": "Failed to update", "bulkUpdated_one": "Updated {{count}} {{category}} income ({{scope}}) to {{percentage}}%", "bulkUpdated_other": "Updated {{count}} {{category}} incomes ({{scope}}) to {{percentage}}%", "bulkUpdatedKept": "({{count}} at 0%/100% kept)" }, "incomeAllocate": { "title": "Allocate income", "selectOwnerTitle": "Select an owner", "selectOwnerDesc": "Choose an owner from the sidebar to start allocating income.", "tooManyTitle": "Too many owners selected", "tooManyDesc": "Please select only one owner to allocate their income.", "noIncomeTitle": "No income for {{period}}", "noIncomeOtherDesc": "You have income in other months. Try navigating to:", "noIncomeDesc": "Income transactions will appear here once they're categorized.", "goToTransactions": "Go to transactions", "sourceCount_one": "{{count}} source", "sourceCount_other": "{{count}} sources", "alreadyAllocated": "This income is already fully allocated", "allocated": "Successfully allocated {{amount}}", "saveFailed": "Failed to save allocations", "removed": "Removed {{amount}} from {{category}}", "deleteTitle": "Delete allocation?", "deleteConfirm": "Delete allocation of {{amount}} to {{category}}?", "deleteFailed": "Failed to delete allocation", "updatePercentageFailed": "Failed to update the spendable percentage", "bulkUpdated_one": "Updated {{count}} {{category}} income to {{percentage}}%", "bulkUpdated_other": "Updated {{count}} {{category}} incomes to {{percentage}}%", "bulkUpdateFailed": "Failed to update spendable percentages", "trend": { "noData": "No allocation data available", "past": "Past", "current": "Current", "future": "Future", "remaining": "Remaining", "title": "Allocation trend", "avgRate": "{{rate}}% of income allocated on average" }, "spendable": { "label": "Spendable", "edit": "Edit spendable percentage", "countsAsLoss": "Counts as loss", "excluded": "Excluded", "toPlan": "To my plan", "setAside": "Set aside", "allocatableAmount": "Allocatable amount" }, "bulk": { "applyTo": "Apply to" }, "fullyAllocated": "Fully allocated", "deleteAllocation": "Delete allocation", "flow": { "source": "Source", "received": "Received", "allocatable": "Allocatable", "outcome": "Outcome", "planProgress": "Expense plan progress" } }, "village": { "parts": { "safeCash": "Your cushion", "readyToInvest": "Ready to invest", "invested": "Your investments", "moneyIn": "Money in", "moneyOut": "Money out", "putIn": "Put in", "takenOut": "Taken out", "growth": "Growth" }, "setup": { "pageTitle": "Shape your plan", "finish": "Show me my plan", "steps": { "welcome": "Start", "earn": "What you earn", "wishes": "What you want", "recap": "Your plan" }, "welcome": { "title": "Let's shape your plan", "body": "Answer a few questions about your life. We'll work out the rest: what you'll have, when, and what it can pay for. Nothing is locked in, so you can change any answer later.", "cta": "Let's go" }, "recap": { "reached": "Your money pays for itself from {{year}}", "short": "You need {{amount}} more before your money pays for itself", "body": "Your plan keeps {{depth}} in cash and assumes your investments grow {{pct}}% a year. You can change this any time.", "plain": "Here's your plan", "cushionBody": "Your plan keeps {{depth}} in cash: {{amount}} today.", "reachedLife": "Your money lasts your whole life from {{year}}", "shortLife": "You need {{amount}} more for your money to last your whole life" }, "earn": { "question": "Will you keep earning about {{amount}} a month?", "questionNoFigure": "Will you keep earning what you earn now?", "steady": "Yes, roughly", "changing": "No, it will change", "stopped": "I've stopped working", "growthTitle": "And each year it grows", "growthFlat": "Stays the same", "growthPct": "+{{pct}}% a year", "basedOn": "Based on your typical month over the last year", "unplacedName": "Without a category", "extraName": "{{source}} · {{month}}", "extraHint": "Extra pay that comes every year", "leftOutTitle": "Not counted as earnings · set an amount to count one", "leftOutWhy": { "unplaced": "No category, so we can't tell what it is", "investment": "Investment returns. Your plan already grows your investments", "stopped": "Stopped lately" }, "leftOutStoppedSince": "Nothing since {{month}}" }, "earnChanges": { "title": "Anything that changes it?", "titleChanging": "What changes?", "titleStopped": "Money that still comes in", "stop": { "after": "After {{year}}" }, "group": { "job": "A different job or hours", "break": "A break from work", "arrives": "Money that arrives" } }, "wishes": { "title": "What are you working toward?", "group": { "plan": "Your wishes", "ideas": "Add something" } } }, "plan": { "story": { "solveMonthlyPoint": "{{amount}} a month for {{years}} years" }, "table": { "interest": "Interest" }, "bufferYears_one": "{{count}} year", "bufferYears_other": "{{count}} years", "harvest": { "lockYears_one": "a year", "lockYears_other": "{{count}} years", "lockMonths_one": "a month", "lockMonths_other": "{{count}} months" }, "beyondBufferTitle": "Beyond your buffer", "beyondBufferBody": "This isn't needed inside the {{depth}} you keep safe, so it belongs in investments rather than bonds.", "beyondBufferAction": "See what to invest", "bufferMonths_one": "{{count}} month", "bufferMonths_other": "{{count}} months" }, "assume": { "growthValue": "grow {{pct}}% a year", "notSet": "not set yet", "growthValueProfile": "{{profile}}, {{pct}}% a year" }, "path": { "year": { "turnBadge": "Enough" } }, "growth": { "profile": { "savings": { "short": "mostly savings" }, "mix": { "short": "a careful mix" }, "shares": { "short": "mostly shares" } } } }, "investmentIncome": { "kind": { "interest": "Interest", "dividend": "Dividends" }, "tiles": { "withheld": "Withheld", "withheldCaption": "Already taken for you", "unrecorded": "No tax recorded", "unrecordedCaption": "Income with no tax figure" }, "card": { "grossNotWithheldLabel": "Paid to you, before tax", "received": "Received in total", "taxOwed": "Tax not withheld", "taxTaken": "Tax already taken" }, "capitalGains": { "title": "Capital gains" }, "row": { "payments_one": "{{count}} payment", "payments_other": "{{count}} payments", "noTaxRecorded": "No tax recorded", "noTaxTaken": "No tax taken", "taxWithheld": "{{amount}} withheld", "taxOwed": "{{amount}} not withheld", "taxMixed": "{{withheld}} withheld, {{owed}} not withheld" }, "payment": { "withheld": "{{tax}} withheld from {{gross}}", "owed": "{{tax}} not withheld on {{gross}}" }, "rule": { "allowanceFree": "Tax-free: inside the {{allowance}} a year for regulated savings", "allowanceOver": "{{free}} tax-free, {{owed}} to declare above the allowance", "withheld": "{{amount}} withheld, worked out from the bank's rate", "declare": "{{amount}} to declare, worked out from the account's rate", "declareNoRate": "To declare in your return", "paymentFree": "Tax-free", "paymentWithheld": "{{tax}} withheld from {{gross}}, worked out", "paymentOwed": "{{tax}} to declare, worked out" }, "unrecordedNotice": "{{amount}} of this arrived as a single credit with no tax figure attached, so nothing here can say what was taken from it. Your account statement has that number." }, "tax": { "title": "Tax", "hero": { "caption": "Not withheld on your {{year}} income", "verdictPay": "Your interest and dividends cost you", "verdictBack": "You get back on your interest and dividends", "tileFlipAria": "Turn to see how it adds up", "provisional_one": "Provisional — {{count}} question still open below", "provisional_other": "Provisional — {{count}} questions still open below", "tileOpen_one": "question open", "tileOpen_other": "questions open", "tileReady": "Ready to fill in" }, "empty": { "title": "Nothing to report for {{year}}", "description": "Interest, dividends and sales show up here, with the tax on them, as soon as you have some." }, "bill": { "title": "Tax bill", "received": "Paid back to you", "paid": "You paid", "otherEntry": "Moved on your tax account", "gap": "This bill doesn't add up: {{amount}} isn't booked yet. Open its lines to finish it." }, "settle": { "accountName": "Tax office", "payoffLine": "Tax owed for {{year}}, settled by the tax bill", "refundLine": "Tax refund for {{year}}", "extraTaxLine": "Income tax for {{year}}", "title": "Tax bill for {{year}}", "search": "Search your bank lines", "noLinesTitle": "No bank lines since {{from}}", "noLinesDescription": "Your tax bill shows up here once its payment or refund is in your accounts.", "pickHint": "Which payment was it?", "receivedSummary": "You got {{amount}} back on {{date}}. That books as:", "paidSummary": "You paid {{amount}} on {{date}}. That books as:", "payoffRow": "Tax you still owed · {{party}}", "refundRow": "Tax refund", "extraTaxRow": "Income tax", "howItBooks": "The payment moves to your tax account and these lines settle it there, so the account is back at zero.", "confirm": "Book the tax bill", "done": "Tax bill for {{year}} booked", "failed": "Nothing was booked. Try again in a moment.", "alreadyLinked": "That payment is already booked as a transfer. Pick another one.", "cta": "Book the tax bill for {{year}}", "ctaHint": "Once its payment or refund is in your account" }, "interest": { "title": "Interest", "heroCaption": "Not withheld on your {{year}} interest", "empty": { "title": "No interest in {{year}}", "description": "Interest shows up here as soon as a bank or a broker pays you some." } }, "dividends": { "title": "Dividends", "heroCaption": "Not withheld on your {{year}} dividends", "empty": { "title": "No dividends in {{year}}", "description": "Dividends show up here as soon as a broker pays you some." }, "verdict": { "reclaim": "To claim back on your {{year}} dividends", "declare": "Dividends from {{year}} to declare", "settled": "Already withheld on your {{year}} dividends — nothing to settle" }, "exemption": { "title": "Your dividend exemption", "used": "{{used}} of {{total}} used", "rule": "Only dividends from ordinary shares count — not funds, ETFs or real-estate companies" }, "holdingsTitle": "Your dividends", "holding": { "gross": "before tax", "noTax": "No tax withheld", "rate": "{{rate}} tax withheld", "rateBoth": "{{foreign}} foreign tax, then {{belgian}} Belgian", "rateForeign": "{{rate}} foreign tax, no Belgian tax withheld", "rateBelgian": "{{rate}} Belgian withholding tax", "paymentTax": "{{tax}} withheld", "unknown": "Unknown instrument", "why": { "share": "Ordinary share — counts for your exemption", "fund": "Fund or ETF — no exemption", "realEstate": "Real-estate company — no exemption", "unknown": "We don’t know what this is yet" } } }, "box": { "why": { "otherIncome": "Nobody withheld Belgian tax on it · taxed at 30%", "reclaim": "Already withheld on your first {{exemption}} of dividends", "regulated": "Regulated savings, above {{allowance}} per person · taxed at 15%" }, "cardTitle": "For your tax return", "code": "Code {{code}}", "codeFrom": "From {{accounts}}", "toType": "To fill in", "paymentsTitle": "Every payment", "regulated": { "title": "To declare: savings interest above {{allowance}}" }, "otherIncome": { "title": "To declare: interest and dividends" }, "reclaim": { "title": "To claim back: tax on dividends" }, "cost": { "title": "What it costs you", "comesBack": "Back through code {{code}}", "net": "To pay on balance", "netBack": "Back on balance", "taxOnShort": "Code {{code}} · {{pct}}" }, "nothing": { "outOf": "not in {{code}}", "title": "Nothing to fill in", "taxFree": "Regulated savings, under {{allowance}}", "withheld": "Tax already taken", "exempt": "Share dividends inside the {{exemption}} exemption", "realEstate": "Real-estate companies, tax taken is final" }, "silent": { "title": "Missing something? ({{count}})" }, "unplaced": { "title": "Answer first ({{count}})", "regime": "Pick which savings account this is, so we know its tax rules", "allowance-year": "No confirmed tax-free amount for {{year}} yet", "broker": "Say whether {{broker}} took Belgian tax", "asset": "We can’t tell which share or fund paid this", "exemption-year": "No confirmed dividend exemption for {{year}} yet", "withheld": "how much tax was taken off?", "paymentOf": "{{kind}} of {{date}} · {{ask}}", "interest": "Interest", "dividend": "Dividend" }, "provisional": "Provisional" }, "withholding": { "question": "How much tax did {{payer}} keep?", "subject": "{{kind}} of {{date}} · {{amount}} reached your account", "meaning": "{{pct}} of {{gross}} before tax. Change it if your slip says otherwise.", "amountLabel": "Tax kept", "saved": "Saved", "notMine": "Not a dividend of yours? Open the payment", "notMineInterest": "Not interest of yours? Open the payment" }, "foreign": { "title": "Code 1075 · Foreign account", "yes": "Yes", "toCheck": "To check", "answer": "Tick yes and list each account with its holder and its country.", "cap": "Also report each foreign account once to the National Bank's Central Point of Contact (CAP).", "listTitle": "Abroad", "unknownTitle": "Country unknown", "unknownLine": "Add the IBAN so we know where it is held", "unknownCount_one": "{{count}} account still to check", "unknownCount_other": "{{count}} accounts still to check" }, "checkoff": { "label": "Filled in on MyMinfin", "changed": "Changed since you filled it in — check the figure again", "badgeDone": "✓ Filled in", "badgeChanged": "Changed" }, "line": { "pendingTitle": "Waiting for your answer", "pendingLine": "{{kind}} of {{date}} · tax not filled in yet", "reason": { "code": "Declared in code {{code}}", "taxFree": "Within your tax-free {{allowance}}", "exempt": "Within your {{exemption}} dividend exemption", "withheld": "The tax was already taken — nothing to declare", "realEstate": "Real-estate company — the tax taken is final" }, "accountsTitle": "Accounts", "account": "Open the account", "alsoIn": "The rest is in {{lines}}", "elsewhereTitle": "Not in {{line}} — and why", "rule": { "regulated": "Regulated savings: {{allowance}} of interest per person is tax-free each year. Above it 15% is due, and no bank took it. Fill in the interest above the tax-free part.", "reclaim": "The Belgian tax taken on the first {{exemption}} of share dividends per person comes back. Fill in the tax, not the dividend. Funds, ETFs and real-estate companies don’t count. A dividend a company pays you directly counts as a Belgian share.", "otherIncome": "Interest and dividends nobody took Belgian tax on, before tax, after any foreign tax. Taxed at 30%. The first {{exemption}} of share dividends per person stays out. A dividend a company pays you directly counts as a Belgian share.", "taxFree": "Regulated savings interest up to {{allowance}} per person is tax-free. Nothing to fill in.", "withheld": "The bank or broker already took the Belgian tax, and that settles it. Nothing to fill in.", "exempt": "Dividends from shares, up to {{exemption}} per person, are tax-free. They stay off the return.", "realEstate": "Real-estate company dividends: the Belgian tax taken is final. Nothing to fill in." } }, "settings": { "title": "Tax settings" }, "brokers": { "questionYear": "Did {{broker}} take Belgian tax on your foreign dividends in {{year}}?", "title": "Your brokers in {{year}}", "hint": "A Belgian bank or broker takes Belgian tax on foreign dividends; a foreign one only passes on the other country’s tax. Belgian shares always have it taken.", "question": "Did {{broker}} take Belgian tax on your foreign dividends?", "yes": "Yes", "no": "No", "sourceEarlier": "Same as the year before", "sourceDefault": "What this broker usually does", "saveFailed": "Your answer couldn’t be saved. Nothing changed, so you can try again." }, "overview": { "otherTaxes": "Other taxes", "withheld": "{{amount}} withheld", "settled": "Settled", "open": "Question open", "toDeclare": "to declare" }, "tob": { "unknownAsset": "Unknown instrument", "buy": "Buy", "sell": "Sell", "declarationTitle": "Trades in {{month}}", "dueBy": "Declare and pay by the end of {{month}}", "dueByShort": "Declare by the end of {{month}}", "byMonth": "Paid through your broker, per month", "tradeCount_one": "{{count}} trade", "tradeCount_other": "{{count}} trades", "toDeclareCaption": "To declare yourself", "paidCaption": "Paid through your broker" }, "people": { "title": "Who files", "you": "You", "notAnswered": "Not answered yet", "holders": { "title": "Whose name each account is in", "subtitle": "Shared accounts count half each, unless they're in one name", "hint": "As on paper, not as filed in the app. One name: all of it is theirs. Both names: half each.", "both": "Both", "row": "In the name of {{names}}" } }, "year": { "income": "{{year}} income" }, "return": { "name": { "BE": "assessment year {{year}}", "ES": "Renta {{year}}" }, "earning": "You declare this in {{year}} · {{name}}, {{months}}", "upcoming": "Declare it from {{from}} · {{name}}", "filing": "Time to declare, until the end of {{until}} · {{name}}", "lateFiling": "Self-employed or through an accountant: until the end of {{until}} · {{name}}", "filed": "Declared in {{name}} — the bill follows", "settled": "Settled · {{name}}" }, "missing": { "count_one": "{{count}} missing?", "count_other": "{{count}} missing?", "line": "Usually paid this month — nothing booked", "fromAsset": "{{asset}} usually pays this month — nothing booked" }, "esSavings": { "title": "Renta {{year}}: savings income", "interest": "Interest, before tax", "dividends": "Dividends, before tax", "base": "Savings income", "scale": "Tax on the savings scale", "keptInSpain": "Already kept by Spanish banks", "creditAbroad": "Tax kept in {{country}} that the Renta counts", "due": "Still due in the Renta", "reclaim": { "BE": "{{amount}} of what Belgium kept is above the treaty’s 10%. Reclaim it from Belgium with form 276 Int, or give the bank form 276 Int-Aut so it keeps only 10%." }, "blockers": { "sales": "You sold investments this year. Gains and losses from selling count in the same savings income, so the Renta works out the total with them.", "dividendTax": "Tax was taken from your dividends. The Renta counts it differently depending on who kept it, a country abroad or a Spanish broker, and that isn’t recorded.", "keptBy": "Tax was kept on interest by a bank whose country isn’t known. Choose the account’s product to count it.", "unplaced": "{{amount}} from {{account}} has no tax answer yet, so it isn’t counted.", "year": "The savings scale for {{year}} isn’t known yet." }, "territory": "Rates for Spain outside the Basque Country and Navarre, which set their own." } }, "taxCountry": { "question": { "title": "Where do you pay tax?", "why": "Briliza shows that country's taxes, and only those.", "BE": "Belgium", "ES": "Spain", "elsewhere": "Somewhere else", "elsewhereHint": "Tax pages for other countries are on their way.", "saveError": "Couldn't save where you pay tax. Try again." }, "comingSoon": { "title": "Tax for your country is on its way", "elsewhere": "Briliza covers Belgian and Spanish tax today. Everything else — your accounts, spending and investments — works wherever you live." }, "residence": { "title": "Where {{name}} pays tax", "always": "Every year", "fromYear": "From {{year}}", "countryLabel": "Country", "remove": "Remove {{year}}", "moved": "Moved?", "movedHint": "Add the year it changed — earlier years keep the old country.", "year": "Year", "add": "Add" } }, "words": { "howCounted": "How it's counted", "method": { "monthSavings": "Income minus expenses in the month, under the lens picked on the Savings page. Under Income & Expenses only income and expense transactions count, placed in the month they are for; under Money In & Out every euro in and out counts on the day it moved. A transfer into a savings account is not saving; the interest it pays is income. Below zero it is a deficit.", "savingsRate": "Net savings divided by income, as a percentage, for one month under Income & Expenses. No income, no rate.", "lens": "Income & Expenses: only income and expense transactions, dated by the month they are for; a spread purchase counts one slice per month. Money In & Out: every transaction dated by the day it was paid; transfers between your own accounts cancel out, except into an asset or loan account, which count as money leaving what you can spend.", "netWorth": "Everything you own on one day: cash and savings balances, investments at the latest daily close, holdings at their value, and income already earned but not yet received. Minus everything you owe: loans, cards, and scheduled payments whose obligation has started.", "investingReturn": "Return % = euros earned ÷ money you had in. Euros earned over a window: the value at the window's end minus the value at the close it opened on, minus money you added, plus money you took out, with fees and tax inside those flows and dividends inside what was earned. Money you had in: the value at the opening close, plus each addition counted for the share of the window it was in (days in ÷ days in the window). Since you started: euros earned since the first buy ÷ the most of your own money that was ever in at once. Prices are end-of-day closes.", "interest": "Counted every day on the balance, at the account's yearly rate ÷ the days in the year, and paid out in pieces by the bank on its rhythm, with tax kept first where the bank must. A Belgian regulated account pays base interest on 1 January and a loyalty bonus on each euro that stayed twelve months, the quarter after. Every figure is read off what landed on the account.", "holdings": "What you have: the value of what you still hold at the latest close. Its change over a window is money you added or took out plus the price move on what you kept. A gain locked in by selling leaves holdings as cash.", "ownerGift": "Money between two owners of the household (you and the shared pot, or you and your partner) that is the other owner's now. On one owner's view it counts as spending (\"Given to Monitos\") or income (\"Received from Monitos\"); with both owners viewed it cancels out. When the pot paid you back for costs you paid for the two of you, it is a repayment instead, and those costs belong to the pot.", "ownerRepayment": "A transfer between two owners that counts in what they owe each other: \"Paid back or lent\" going out, \"Got back or borrowed\" coming in. What it paid back is said by its links. It never counts as income or spending and never appears on the Savings page." } }, "documents": { "title": "Documents", "none": "Contracts, statements and letters about this holding.", "count_one": "{{count}} document", "count_other": "{{count}} documents", "explainsPayments_one": "Explains {{count}} payment", "explainsPayments_other": "Explains {{count}} payments", "add": { "cta": "Add documents", "problem": { "type": "Use a PDF, a photo, or a CSV or Excel file.", "size": "That file is over 20 MB.", "empty": "That file is empty.", "identity": "That looks like an ID card or passport. We don't keep those." }, "keptUnread_one": "Kept. It couldn't be read right now.", "keptUnread_other": "Kept. They couldn't be read right now.", "keptForCheck_one": "Got it. You'll see it here once it's in.", "keptForCheck_other": "Got them. You'll see them here once they're in." }, "send": { "title": "Send us your documents", "pick": "Choose or drop files", "sending": "Adding…", "failed": "The file couldn't be kept. Try again.", "failedNamed": "{{name}} couldn't be added. Try again.", "remove": "Remove {{name}}", "someFailed_one": "{{count}} document couldn't be added. Try again.", "someFailed_other": "{{count}} documents couldn't be added. Try again.", "sentTitle": "Got it. We'll take it from here.", "missed": "That document didn't come through. Choose it here.", "homeRow": "Send us a document", "waiting_one": "{{count}} being added", "waiting_other": "{{count}} being added", "promise_one": "We'll put it in the app for you, usually within a day.", "promise_other": "We'll put it in the app for you, usually within {{count}} days." }, "ask": { "title": "Want to know what {{name}} is worth today? Send its latest yearly statement", "titleYear": "Send the {{year}} yearly statement of {{name}}", "body": "{{provider}} sends one every year, usually in its app under documents.", "bodyNoProvider": "Your provider sends one every year, usually in its app under documents.", "notNow": "Not now", "facts": { "what": "What", "whose": "Whose", "value": "In Briliza now", "unknown": "Not known yet", "last": "Last statement", "none": "None yet" }, "mypension": { "title": "Want to see the pensions your work built up? Send your mypension.be file", "body": "On mypension.be, open your supplementary pension and download your full file. We set up each pension in it.", "newYearTitle": "Your {{year}} mypension.be figures are out. Send the new file" } }, "payment": { "remove": "Take {{name}} off this payment", "removeMessage": "It comes off this payment. A document kept nowhere else is deleted." }, "status": { "toReview": "To review", "failed": "Couldn't read", "unread": "Not read yet", "checking": "Being added", "working": "Working…" }, "kinds": { "property_settlement": "Notary settlement", "property_deed": "Deed", "pension_statement": "Pension statement", "insurance_contract": "Insurance contract", "insurance_payout": "Payout letter", "bank_statement": "Bank statement", "card_statement": "Card statement", "broker_statement": "Broker statement", "receipt": "Receipt", "gift_deed": "Deed of gift", "usufruct_waiver": "Waiver of usufruct", "loan_agreement": "Credit agreement", "loan_schedule": "Repayment schedule", "tax_certificate": "Tax certificate", "statement": "Yearly statement", "mypension": "mypension.be file", "other": "Document" }, "rights": { "full": "Full ownership", "use": "Usufruct", "bare": "Bare ownership" }, "found": { "yourPart": "Your part", "value": "Value", "paidIn": "Paid in", "price": "Purchase price", "deposit": "Deposit, already paid", "shareOfIt": "{{pct}} of it", "branch": "Type", "tak": "Tak {{branch}}", "paidOut": "Paid out", "paidOn": "Paid on", "otherCosts": "Other costs", "priceShare": "Your share of the price", "costsShare": "Your share of the purchase costs", "propertyTax": "Property tax" }, "change": { "value": "Set its value to {{amount}}", "valueOn": "Its value on {{date}}: {{amount}}", "notaryDate": "Set the date at the notary to {{date}}", "since": "Mark it yours since {{date}}", "allOfIt": "all of it", "partOfIt": "{{pct}} of it", "ownership": "{{right}}, {{part}}", "payment": "Link your payment of {{amount}} on {{date}} as paid into {{name}}", "splitPayment": "Split your payment of {{amount}} on {{date}}: {{price}} into {{name}}, {{tax}} as property tax", "payout": "Link the {{amount}} received on {{date}} as the payout of {{name}}", "close": "Archive {{name}} as ended on {{date}}", "product": "Mark it as a Tak {{branch}}" }, "note": { "partyUnknown": "We couldn't tell which line of the settlement is yours, so its payment isn't matched.", "noPayment": "No payment of {{amount}} was found in your accounts.", "linkedElsewhere": "A payment of {{amount}} is already linked to something else.", "statementOld": "This statement is from {{date}}, so its value isn't used as today's." }, "review": { "lines": "Who holds what", "you": "You", "changes": "What it changes", "nothingToChange": "Everything it says is already here.", "apply_one": "Apply {{count}} change", "apply_other": "Apply {{count}} changes", "applying": "Applying…", "applied_one": "{{count}} change applied", "applied_other": "{{count}} changes applied", "applyFailed": "Not everything could be applied. What landed is kept.", "keep": "Keep without changes", "failed": "This document couldn't be read.", "unread": "This document hasn't been read yet.", "readAgain": "Read it", "readFailed": "It couldn't be read. Try again later.", "open": "Open", "remove": "Remove this document", "removeTitle": "Remove this document?", "removeMessage": "The document and everything read from it are removed. What was applied stays.", "removeConfirm": "Remove", "removeFailed": "It couldn't be removed." }, "pending": { "title": "We're on it", "sentOn": "Sent {{date}}", "recognisedOther": "A document from {{issuer}}", "removeTitle": "Remove this document?", "removeMessage": "We stop working on it and the file is deleted." }, "card": { "ask": "Send us its documents", "view": "View", "askStatementsWhy": "Each yearly statement is its value on that date. The contract says when and how it pays out.", "needs": { "failed_one": "{{count}} document couldn't be read", "failed_other": "{{count}} documents couldn't be read", "read_one": "{{count}} document to review", "read_other": "{{count}} documents to review", "uploaded_one": "{{count}} document not read yet", "uploaded_other": "{{count}} documents not read yet" }, "latest": "Latest: {{title}}, {{when}}", "needSchedule": "Want to see what it costs a month? Send its repayment schedule", "askScheduleWhy": "Your bank's repayment schedule states the rate, the monthly payment and the last month.", "askLatest": "Send your latest yearly statement", "askLatestAt": "Send the latest yearly statement from {{provider}}", "latestWhy": "It shows a newer amount than the one here.", "latestWhyGrowth": "It shows a newer amount than the one here, and how the money grows.", "needSettlement": "Send the notary's settlement", "needYear": "Send its yearly statement of {{year}}", "needContract": "Send its contract", "contractWhy": "It says when and how it pays out.", "contractWhyGrowth": "It says how the money grows, and when and how it pays out.", "needPayout": "Send its payout letter", "payoutWhy": "It states what was paid out, and when.", "needCertificate": "Send the {{year}} tax certificate", "needCertificateFrom": "Send the {{year}} tax certificate from {{provider}}", "certificateWhy": "It states what you paid in that year.", "needPaper": "Send {{paper}}", "needSettlementWhy": "It shows when you bought the home and what it cost.", "needDeed": "Send the deed", "needDeedWhy": "It says what you own, since when, and who else owns the home or may live there." }, "file": { "filed": "{{filed}} of {{expected}} papers in", "add": "Add: {{paper}}", "notYet": "not due yet" }, "paper": { "contract": "The contract", "statementYear": "The {{year}} yearly statement", "payout": "The payout letter", "propertyDeed": "The deed", "settlement": "The notary's settlement", "schedule": "The repayment schedule", "taxCertificate": "The {{year}} tax certificate", "deed": "The deed of gift", "saleNote": "The bank's sale note", "incoming": "The incoming bank statement", "waiver": "The waiver of usufruct", "transferSlip": "The transfer slip", "securitiesStatement": "The securities account statement", "pacte": "The pacte adjoint", "outgoing": "The outgoing bank statement", "receiverStatement": "The receiver's statement" }, "dossier": { "heading": "The whole file", "titleGift": "The file of the gift from {{person}}", "titleInheritance": "The file of the inheritance from {{person}}", "someone": "someone", "anAccount": "an account", "anAsset": "a fund", "onAccount": "Its papers are kept with {{account}}.", "fromRelease": "From the {{amount}} released on {{date}}", "inFile": "In the file of the gift from {{person}}", "openDeed": "Open the deed", "step": { "received": "Received as a gift from {{person}}", "receivedBare": "Bare ownership received from {{person}}", "receivedUse": "Usufruct received from {{person}}", "inherited": "Inherited from {{person}}", "releasedCash": "{{amount}} released to {{account}}", "releasedUnits": "{{units}} released to {{account}}", "passedOnCash": "{{amount}} passed on to {{person}}", "passedOnUnits": "{{units}} passed on to {{person}}" } }, "papers": { "title": "Your documents", "hint": "Send us your statements, contracts and letters. We'll put them in the app for you.", "kept": "Other papers", "removeKeptMessage": "The document is deleted.", "elsewhere": "Elsewhere" }, "statement": { "tile": { "title": "I have a statement", "broker": "A PDF or export from your broker. We add every trade for you.", "bank": "A PDF or export from your bank or card. We add every transaction for you." }, "question": "Which statement do you want to add?", "intro": { "broker": "Your broker's export or a PDF statement — we add every trade for you.", "bank": "A PDF or export of this account, as far back as it goes." }, "consent": "The file names the people and accounts you paid. We use it only to add these transactions." } }, "cashFlows": { "title": "In & out of your accounts", "navSubtitle": "Everything that came in and went out, on the day it moved" }, "monthStatement": { "netWorth": { "up": "Your net worth rose {{amount}} in {{month}}.", "down": "Your net worth fell {{amount}} in {{month}}.", "flat": "Your net worth held steady in {{month}}." }, "driver": { "added": "{{class}} added {{amount}}.", "took": "{{class}} took {{amount}} off." }, "flows": { "kept": "You kept {{amount}} of the {{income}} that came in.", "spentMore": "You spent {{amount}} more than came in." } }, "statements": { "title": "Monthly statements", "money": "The month's money", "whereItWent": "Where it went", "sorted": "{{share}} of the month's spending has a category.", "sortTheRest": "Sort the rest", "gaps": "Net worth leaves out {{accounts}}, which had no stored exchange rate.", "empty": { "title": "No statements yet", "description": "Your first statement arrives after a month closes." }, "notYet": { "title": "No statement for this month", "description": "A month's statement arrives after the month closes." }, "cardTitle": "Your {{month}} statement" } }