How do budget groups work?

Some categories belong together. Groceries, dining out and coffee can share one "Food" total, and day-to-day spending can share one "Everyday spending" total. In a group, no single category is ever "over": only the group's total counts.

Budget groups are included with Grow and up.

Create a group

1. 1

   Open Spending

   Go to Budgets and choose the Spending tab.

2. 2

   Start a new group

   Choose Create a group, or New budget group if you already have one.

3. 3

   Name it

   Type a name or tap a suggestion. Each group needs its own name.

4. 4

   Tick its categories

   Search the list, or choose New category to make one on the spot. A category that already has a budget says where it is now, like "Own limit $200" or "In Food"; ticking it moves it into this group.

5. 5

   Set the monthly total

   The total starts at what the ticked categories usually cost together, rounded up to the next $25, and follows your ticks until you type your own figure. Then choose Create group.

You can also turn a category with its own limit into a group: open its ⋯ menu and choose Start a group with it. The setup's last question can make your first group for you.

Reading a group

• The big figure is what's left of the shared total (or how far over it you are).
• The countdown says what that allows per day and how many days are left this month.
• Each category shows what it spent this month and what it usually spends.
• By card and account opens to show which cards and accounts the spending came from.

Change a group

• The total: tap the amount after "spent of" and type a new one. Press Enter to save or Esc to cancel.
• The name or categories: choose Edit, or Add or remove categories under the list.
• A guide for one category: tap + guide beside it. A guide is just a soft figure inside the group: it's drawn lighter and never counts as a warning.
• Move a category: open its ⋯ menu and choose Move to another group, Give it its own limit, or Take out of the group. A category taken out goes back to Everything else.

Order and remove groups

Open a group's ⋯ menu to Move up or Move down. The first group is the one your dashboard's budget group cards show.

Remove group in the same menu puts its categories back in Everything else. A message offers Undo if you change your mind.