Plan

Your monthly plan: income in Funding, buckets for spending, what's left to spend, goals and what's coming up.

Every Plan feature

Each month is funded by the income of the month before; what comes in this month is in Funding, for next month.
- Left to spend is last month's income less what's spent and set aside.
- Funding has its own section under your buckets.
- A month with no funding lists the ways to fund it.
A new ledger sets up in order: your accounts, then your transactions, then the budget and what its first month starts with.
- Add your accounts first.
- Let your bank's history come in, or add and import entries.
- Tap Set up budget: choose what the month starts with and a split to begin from.
Not in the demo. Shows before anything is saved; the demo has sample data.
A short check before you approve the month together: everything spent has a bucket, nothing is overdrawn, then approve.
- Tap Close <month> on Plan's bar; its badge says Ready or how many checks are left.
- Fix what's open from the check itself.
- Approve; any later change to the month's money marks the approval out of date.
All 5 in Close the month
- Each member approves the month; a bucket overdrawn blocks approval until it's fixed.
  Tap Approve, or Fix the overdrawn first.
- Everything spent has a bucket, no bucket is overdrawn, and the household's approval; reviewing everything is optional.
  Each check shows its state and what's still open.
- Mark the month's entries reviewed in one go.
  Tap Mark all reviewed in the review check.
- When the month's money changes after approving, the approval says it was for an earlier version.
  Tap Approve again.
  Not in the demo. Shows with more than the demo holds.
- From the check, raise an overdrawn bucket: Edit plan opens on it.
  Tap Raise beside the bucket.
Plan each month with buckets: amounts or shares of income, groups, set-aside buckets, and one that takes what's left.
- Start a plan, copy last month's, or start from a split.
- Edit plan changes the buckets.
- Each month keeps its own plan.
All 21 in Monthly plan
- Tap a bucket to see the month's entries it counts, adding up to its figure.
  Tap a bucket or group.
  All in Activity opens them in Activity.
- Each bucket is a monthly budget with its own colour and icon, showing what's spent and what's left.
  Tap a bucket to see its entries.
  Change buckets in Edit plan.
  The (i) on Buckets explains what a bucket is.
- Change the month's plan: income, every bucket and group, with the total planned against income.
  Tap Edit on Plan.
  Tap a bucket to change it; Add bucket and Add group are at the top.
  Save plan saves; leaving asks before throwing changes away.
  All 4 in Edit plan
- Several buckets under one name, folded until you open them.
  Make a group from + → New group.
  Tap the caret to unfold it.
- The month's headline: what's left to spend, what was spent of income, per day, and what's set aside.
  The caption reads like "Spent $3,364 of $11,097 income · $269/day".
  This month, a tick marks today on the bars.
- Each month owns its plan; a new month starts from the one before, and nothing rolls over by itself.
  Use the arrows to see other months.
  With no plan yet: Start plan, or Copy last month.
- Under the month's bar: On pace, Spending fast or Over plan, with the day of the month.
  Shown on Plan's bar and on a bucket's row.
- Start a plan from a ready split of income, such as 50/30/20.
  With no plan yet, pick a split under Or start from a split.
  Not in the demo. Shows before anything is saved; the demo has sample data.
  All 4 in Start from a split
- A bucket kept for bills; what it still holds is left out of Left to spend.
  Turn on Set aside in the bucket's sheet.
- A breakdown of what the month has spent, bucket by bucket, with each one's colour, exact amount and the total.
  Tap the Overview's ring or Plan's figure.
  Income with no bucket is said under the sums.
- A new household gets a plan from its own income and spending, shown as one split; it stops changing once you edit it.
  Tap the pencil to make it yours.
  It never invents income.
  Not in the demo. Shows before anything is saved; the demo has sample data.
- Spending with no bucket is counted and listed by payee, to file into buckets.
  Tap Unassigned.
  Pick a bucket for each payee: their usual one is offered first.
  Filing has Undo.
- One bucket can take whatever the other buckets leave of the income.
  Choose What's left as a bucket's amount.
Plan's Coming up: the forecast's low point and your bills a month, one row each.
- Forecast opens the forecast.
- Bills opens Activity's Bills.
Where your balance is heading over the next weeks, from your bills and income, kept apart from Left to spend.
- Tap Forecast under Coming up.
- Choose 30, 60 or 90 days; turn on Bills and income only to leave everyday spending out.
- The lowest point is called out.
All 2 in Forecast
- Leave everyday spending out of the forecast to see bills and income alone.
  Turn on Bills and income only.
- Choose how far ahead the forecast looks.
  Tap 30, 60 or 90 days.
Every plan has a Funding bucket: the month's income is the money in you file there.
- Funding leads the buckets and says what was received.
- Only you file to Funding; nothing does it for you.
All 2 in Funding
- Set an account so its money in with no bucket counts as income.
  In the account's screen, turn on Funding under Income.
- Money in that you haven't filed is listed, so you can file each to Funding, or all at once.
  Tap File to Funding under Funding's row.
  Tap File on each, or File all; Undo takes it back.
Goals with a target and a date, saved by money you add, an account or a plan bucket.
- Tap New goal under Goals (or + → New goal).
- Each goal shows how far along it is and what each month needs.
All 5 in Savings goals
- A goal that follows an account's balance, like a savings account.
  Choose Saved by: An account.
- An existing goal's changes save as you make them.
  The sheet says Changes save automatically on this device.
- A goal that counts what each month's plan put into a bucket, moves and borrowing included.
  Choose Saved by: A plan bucket, then the bucket.
  The goal takes the bucket's icon.
- A goal you save toward by hand: add or take out money, never below zero.
  In the goal, use Amount to add.
- A goal says how much a month it needs to reach its target by its date.
  Shown on the goal's row.
Move money between buckets when plans change, see clearly when a bucket is over, and borrow from next month if you must.
- Tap + → Move money.
- An over-plan bucket shows how much it's over.
All 6 in Moving money and overspending
- With expected income, a move or plan that needs more than is left asks to borrow the difference from next month.
  Confirm "Borrow $X from November?".
  This month says it includes the borrowed money; next month starts that much lower.
  Undo takes both back.
  All 2 in Borrow from next month
- Move an amount from one bucket to another, with what's left in each shown.
  Choose From and To, the amount and a note.
  The swap button flips them.
- The month's moves are listed, each with Undo, and a bucket's moved amount shows on its row.
  Tap Undo beside a move.
- A bucket that spent more than planned says how much it's over, in red and stripes, everywhere it shows.
  Move money into it, or raise it in Edit plan.