First time setup

Let's set the rhythm

Enter the things that repeat every month. We'll fill them in for you each time.

Recurring Income

Salary, regular work, anything that lands monthly. You can adjust the amount in any single month later.

Fixed Expenses

Rent or mortgage, utilities, subscriptions, insurance. The bills that look the same every month.

Variable Expenses

Categories that vary but you want to budget for: groceries, fuel, eating out, personal spending. Set a target monthly amount you can fine-tune later.

Debt Payments

Monthly payments toward credit cards, loans, anything you're paying down. These will sync with your Debts page so balances drop as you pay.

Monthly Savings

Money you're putting toward emergency fund, Christmas, milestones. These will add to your Savings goals each month you mark them as paid.

Sinking Fund Contributions

Slowly setting aside for known costs ahead: car maintenance, annual insurance, birthdays. These add to your Sinking Funds each month you mark them paid.