Budgets
Plan your month: income, fixed costs, spending, savings goals and rollover.
9 articles
How are fixed costs counted?
Fixed costs are the recurring charges you ticked, at what each one costs today. Charges that aren't monthly are spread out, a split charge counts only your share, and a cancelled one stops counting. A small buffer can cover bills that vary.
How are my income and savings worked out?
Your monthly income is the lowest or average of your recent months of ticked income, or a figure you set. Your savings target is what's left after fixed costs, the buffer and your spending budget, and we work it out for you.
How do budget groups work?
A budget group puts several categories under one monthly total. Spend more on one and less on another: only the group's total has to hold. Each group shows what's left, the days to go and what that allows per day.
How do I set a budget for one category?
On Budgets, open Spending and choose Add a budget. Pick the category, choose Its own limit and set a monthly amount. Spending in categories without a budget shares what's left of your spending budget, under Everything else.
How do I set up a budget?
Open Budgets and choose Start. A few short questions, answered from your own transactions, set your income, fixed costs, spending budget and savings target. You do the setup once; after that, you change each part on its own.
How do savings goals and sinking funds work?
A goal sets money aside every month out of your savings target. Save goals keep the money, like an emergency fund. Sinking funds pay for their own costs, like gifts or a trip, so that spending never counts against your monthly budget.
How does rollover work?
Turn on rollover for a budget group or a category with its own limit: what it doesn't spend carries into next month, and overspending comes out of next month. Switch it on from the budget's ⋯ menu with Roll over what's left.
What is Until payday?
Until payday shows what's safe to spend before your next pay: the cash in your everyday accounts, less the bills, card payments and goal money due before payday, spread over the days left. You'll find it on the Budgets Overview.
Why does my budget count uncategorized spending?
Until a transaction has a category, we can't tell whether it was spending or money moving to your own account. Your budget plays it safe: money out with no category counts as spending, and money in with no category doesn't count as income.
Still need help?
Our team answers every request, usually within 1–2 business days.