How to use SALDAT

Sign in with your e-mail and password at saldat.com/login (the browser takes you to the shared sign-in screen). Create a new account through registration. A verification e-mail arrives right away; you get into the app only after clicking the link in it. If you forget, we send a reminder. After verification a short wizard guides you through the initial setup and you receive an e-mail from the founder offering a 20-minute online demo. You stay signed in for 30 days from your last visit, so there is no need to enter the password every time.

The top bar switches between the modules you picked: Overview, Tasks, Money, Business, Investing and Learning. You can change the selection any time on the Account page. The coloured strip under the bar always shows which module you are in.

Everything else sits under one ☰ button on the right of the bar: the space switcher (personal or business), Why SALDAT, People, Account, Help (opens in a new tab, so you do not lose your work), Support, Setup check, language, dark or light mode and sign out.

Your data is separated into spaces: personal and business. Switch between them in the ☰ menu. Each module only offers the spaces that belong to it: Business only the business one, Money, Investing and Learning only the personal one. The business space is created in the initial wizard when you enter a company name and pick the Business module.

On the People page (/team) the space admin invites others by e-mail. Each person gets a role (admin, member or read-only) and a choice of modules they see. The invitee receives a link to join and pays nothing. The number of seats depends on your plan.

All settings live in one place: menu ☰ → Account (/account.php). The Tasks, Money and Business modules have no account settings of their own. On the Account page you change your name, e-mail, language, main currency and password, turn on two-factor authentication (a code from an app on your phone at sign-in, with backup codes), pick the modules in the top bar, set up e-mail notifications, connect external calendars (iCal, read-only; their events show in the Overview and in Tasks), manage your subscription (the Stripe customer portal for card and invoices, cancellation at the end of the paid period and resuming it), download an export of all your data or delete the account permanently.

In the E-mail notifications section of the Account page you turn on a daily e-mail listing unfinished tasks past their due date. Choose the address it goes to (your account e-mail by default) and the send hour (7:00 by default). The e-mail arrives only when you actually have overdue tasks; the Send a test e-mail now button lets you verify the address right away. The list is grouped by space and board, and every board in the e-mail is a link.

Switch the language in the ☰ menu or on the Account page. It applies to the whole account, on every device and in all modules.

The ◐ button in the ☰ menu switches the theme. Dark mode is the default; your choice is stored in your browser.

Modules have their own left menu with their pages. It can be collapsed when you need more room; on mobile it opens with a button.

Why SALDAT exists and why the founder keeps developing it. Open it from the ☰ menu or at /mission; you will also find a calendar there to book an online walkthrough.

From the ☰ menu you run a check of whether everything is set up for full use: verified e-mail, finished initial wizard, active subscription, complete company billing details. If something is missing, the window also opens on its own once a week.

Add SALDAT to your phone home screen as an app: the steps are at /aplikacia.

Summary numbers for the current space: open tasks (and how many are overdue), this month's income and expenses, unpaid invoices, the purchase cost of your portfolio and what is due today in Learning.

The eight nearest tasks due within two days. Recurring payments and invoice due dates are in the calendar below.

Balances of your accounts in one place, without clicking through to the Money module.

Month, week or day. One calendar shows tasks (purple), recurring payments (green), invoice due dates in a business space (teal) and events from connected external calendars. Drag a task to move it to another day.

What is scheduled for today and this week across all your boards.

One place for ideas and small tasks for today (text or voice). Tick any item off and it moves to the archive on the same page, where you can restore or delete it. A note can also be sorted onto a board or moved to the Rolling journal. The same list of open items appears at the top of the Tasks overview.

A running journal for notes that are not a task but that you do not want to lose.

Photograph paper notes or a whiteboard and AI turns them into readable items that you simply confirm.

Classic columns (e.g. To do / Doing / Done) with cards you drag between them. You create boards yourself and each one has its own colour.

Colour labels across boards — handy for projects, clients or priority.

Tasks that come back (daily, weekly, monthly) are created automatically from the rule you set.

You invite people to the space on the shared People page (☰ menu). Everyone in the space sees its boards and tasks.

Income and expenses with a category, account, note and attachment. The foundation the whole module runs on.

Current accounts, savings, cash and cards. Every transaction belongs to an account, so balances add up.

Your own category tree — budgets and reports are calculated from it.

Monthly limits per category and an annual view where you see the whole year at once.

Savings goals (holiday, emergency fund, car) with progress in per cent.

Rent, insurance, instalments or streaming services. The app reminds you and includes them in the forecast. This tracks the services you pay for, not your SALDAT subscription; that one is managed on the Account page.

A separate view of income, a summary of the whole year and an overview prepared for the tax return.

Assets minus debts over time — accounts, investments, properties and loans together.

Where the money goes, how your spending structure changes and how this year differs from last.

A financial calendar with payments and due dates; it can be exported to your own calendar.

A projection of your balance for the coming months based on recurring payments and typical spending.

Investment assets recorded earlier still count towards net worth. Track new positions in the separate Investing module in the top bar.

A profile of your spending built from your own data. It appears once you have at least a month of history and 10 expenses.

Temporarily off while we improve it. All reports and data work as usual.

Mortgages and loans with a repayment schedule and outstanding principal.

Flats and houses with value and costs; together with loans they give a realistic picture of your wealth.

Photographed receipts attached to transactions — no more digging through a drawer.

Load a bank statement as CSV, map the columns and transactions get assigned to categories.

Warnings about an exceeded budget, an upcoming payment or unusual spending.

Shared finances with your partner or family in a common context.

Currency, start of month, notifications and other module behaviour.

Create an invoice, download the PDF or e-mail it to the client straight from the app, and track its status (sent, paid, overdue).

Advance payments before delivery that you later settle into a final invoice.

Correction documents for invoices already issued, including PDF and exports.

Regular invoicing (monthly retainer, service) is generated automatically from a series.

A client directory including company lookup by registration number, with document history.

Incoming documents from suppliers — a record of costs and attachments.

Two menu items: Receipts (cash receipts; photograph them and OCR reads the data) and Sales slips, both with attachments and PDF.

An overview of income and expenses, a breakdown by category and a package for your accountant.

A check of your documents before filing and an export of the VAT control statement as a downloadable XML file.

Each invoice carries a Pay by Square QR code the client scans in their banking app. In the settings you enable push notifications to your phone, for example when an invoice gets paid.

Save repeated items in a price list, document looks in templates, sort documents with categories and labels and download all company data as a backup.

Upload a bank statement and the app suggests which payment belongs to which invoice; one click matches it.

Invite colleagues into the company through the Team item in the left menu, which opens the shared People page. A member works with documents, clients and the bank, and can send invoices; company settings, number series and the e-mail connection can only be changed by an admin. The read-only role sees everything but changes nothing.

Your positions with value, profit/loss and performance over time.

The tickers the founder of SALDAT buys himself: real and planned purchases of US stocks with his own money, picked by hand and regularly, with a horizon of months up to three years. You see the ticker, the target price and the current quote; the selection criteria are described right on the page. This is not investment advice.

What the founder currently holds: ticker, date of first purchase, average buy price, performance in per cent and portfolio weight. Amounts are not published; you see the decisions, not the wallet.

The watchlist, market scanner, large-stake filings (13D/G), big-fund portfolios and their calendars are being rolled out step by step. New items appear right in the module's left menu as we switch them on.

Create a course on anything: a name, a language and a daily limit of new items. Every item becomes a card and the system takes care of when you see it again.

For languages one vocabulary item produces up to three cards, including a fill-in card, so you practise the word from several sides.

Paste a text (for example class notes) and cards are created from it in bulk.

Have a card read aloud right in the browser, with no extra app.

Cards are grouped into decks by topic; each deck shows how many cards are new and how many are due.

A card has a question and an answer. Add, edit and delete them right inside the deck.

Spaced repetition: read the question, reveal the answer and rate yourself — Again, Hard, Good or Easy. Depending on the rating the card comes back in minutes or in days.

6 days with the whole of SALDAT for free — try every module. The first payment happens only after the trial ends; cancel before then and you pay nothing.

Your data is stored on servers in the EU and is never sold to third parties.

Personal, family and business data are kept apart. You only ever see the context you have selected — and only one you have access to.

Important changes are logged, so it is possible to trace who did what and when.

At any time you can download your data in a machine-readable format or request deletion of your account.

Turn on app-based verification (TOTP) in the Money module settings and get recovery codes.

You stay signed in for 30 days from your last visit. Sign out any time from the ☰ menu or the Account page.