On Monday (27 July 08) Moneyio (Money In & Out) was released. Moneyio is the latest incarnation of my previous project Salary Calculator.

Moneyio will be organically developed to include new relevant features with a strict focus on surfacing information on your money. The overall objective is to offer a best in class web based personal finance tool, suitable for everyone.

Ok so you get what it is, how it works but what value does it give to you? The intention is that it can save you money. If that is through exposing where you could tighten up your expenses or offering you unobtrusive suggestions as to how you could make savings, then you can be satisfied.

Design is (and will be) a critical factor in development of this application as there are a whole wealth of existing tools on the web to do with personal finance, however they always fail to offer any pleasing aesthetics.


This tool has taken a long time to develop, and thus i have, for the first time, gone down the commercial route of adding advertising to try and benefit from this effort. This is a conscious decision that i feel should actually benefit users on the whole, owing to the smart, context aware, targeted adverts that appear. Should users find the adverts intrusive, i will not hesitate to remove or rethink the overall commercial strategy.

High performance

The inner workings behind the interface are pretty intricate. Take this and add that it is a completely dynamic application, it is hard to find components available to cache effectively. Inroads will be made with future development to ensure the experience of using the application is not hampered by having to wait for actions to be completed.

Elements that will be performance enhanced will be caching data calculations, but more significantly, the HTML and associated assets delivered to your browser.

Under the hood

I am proud to say Moneyio has been ported to use CodeIgniter. Originally the code-base took the form of a self rolled PHP MVC application, well organised, lean and efficient code but lacking some features and maybe not as rigid as an open source framework.

A framework was a crucial requirement in ensuring that the application development could easily continue if say another developer had to maintain/own/extend the code-base.

CodeIgniter was chosen over other popular frameworks such as the ZendFramework, CakePHP or the now prevalent Python framework Django, as it was somewhat familiar, possesses great documentation.

My experience so far has been great with working off this framework. Getting anything done becomes very trivial and a rewarding experience to boon.

Front end wise, Yahoo YUI has been used as the tool of choice for developing in JavaScript and using their fabulous CSS tools, Google Charts has been used for charting and the fantastic Fam Fam Fam silk icons have been used for UI actions.

I can only hope that you take a look at Moneyio, if you like it, bookmark it and return in a few weeks/months and see the latest changes.