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Build the plan around payday

For a manual budget, choose Manual > Continue, name the budget and first account, select its currency and starting balance, then create an initial funding schedule. The schedule sets when money is allocated in the budget.

Under Expenses > New Expense, enter the bill amount and next due date, choose a funding schedule and set its repeat interval. For example, a monthly bill can be attached to a fortnightly payday schedule. Free-To-Use subtracts money reserved for expenses and goals from the available account balance. These allocations record a plan; they do not transfer money between bank accounts.

Files or connected accounts

Manual accounts accept OFX uploads, with QFX files also supported subject to format limitations. Open Upload, choose the file and confirm it. Uploads are currently designed for checking accounts and replace the displayed balance with the balance in the file, so an older statement can move that balance backwards. File imports are unavailable for Plaid-connected accounts.

Hosted or self-hosted

The US$4 monthly hosted price includes tax. Its 30-day trial needs no card and allows one Plaid connection; an unsubscribed account becomes inactive when the trial ends. Self-hosting has no application fee, but separate bank-data services can have their own costs. The current source-available licence permits personal self-hosting and restricts competing commercial services.