Start fresh
Use this when income, notes, or the overall structure is changing and you want to build the month intentionally after your recurring transactions are ready.
Monthly Workflow
Build the month, then keep it honest as it changes.
This page follows the month itself: creating or cloning it, adding recurring and one-off items, importing entries, and reviewing the month across Budget, Breakdown, and Plan and Edit.
Create and clone months
Clone an existing month
Use this when the next month mostly follows the same pattern and you want the app to carry the structure forward.
Move month to month
Once a month is open, use the previous and next month arrows around the month title to move between saved months without hunting through the month list again.
What cloning does
When a month is cloned, entries are copied into the target month, dates are shifted into that month, actual amounts are cleared, statuses reset to planned, and planned amounts prefer the source actual amount when one exists. The target is always the next available month that does not already exist. Many people then use Plan and Edit to pull in any additional recurring transactions that were not part of the cloned structure.
View continuity
The app keeps your month context steadier now, so moving between Budget, Breakdown, and Plan and Edit feels more like switching views inside one workspace, while Budget preserves whether you were in Grouped, Full List, or Calendar mode.
Add or import entries
Plan and Edit
Use this tab for the guided month-building workflow: pull in recurring transactions first, add one-off exceptions second, and then review what still needs attention.
Add Entry with Wizard
Use the wizard when you want a guided multi-step flow with progress, review, and recurring-saving options for one-off or newly recurring items.
CSV import
Use import when transaction history already exists outside the app and retyping it would be slower than cleanup after the month structure is in place.
Editing without losing context
Entry editing and recurring editing stay in modal flows so you can correct details, see validation errors inline, and keep your place in the month.
Plan and Edit actions
Step 1 in Plan and Edit includes actions for Add Paychecks, Add Subscriptions, Add Monthly Bills, Add Payment Plans, and Estimate Card Payments or Re-estimate Card Payments. After that, use the wizard or manual editing for one-off entries, then review due planned items, missing details, and paid items that still need actual amounts.
Recurring transactions
What this section is for
Add recurring transactions for the repeating monthly items you expect so you can pull them into a month instead of re-entering them every time. This is where most people save paychecks, bills, subscriptions, payment plans, and card payments before creating the month.
Pay schedules
Recurring income sources such as payroll or regular transfers that you usually set up before creating the month.
Subscriptions
Recurring services such as streaming, mobile plans, and software bills.
Monthly bills
Fixed or variable recurring bills such as rent, utilities, insurance, or other regular charges.
Payment plans
Balances paid down over time, such as installment plans, taxes, or loans with a monthly target.
Credit cards
Store minimum payment, due day, and payoff priority here for cards you pay regularly. Link the card account that is being paid down and the checking or cash account that will make the payment so the generated month entries already match the real flow of money.
Review a month
Budget view
The main month review tab. Use it to switch between Grouped, Full List, and Calendar modes while keeping the same month filters, totals, and entry actions in reach.
Breakdown view
A chart-focused surface for the monthly flow graph, charged-versus-paid-to account activity, outflow breakdowns, running net cash flow, and over-budget category callouts.
Grouped and Full List
Grouped is best for reviewing the shape of the month by section. Full List is best for cleanup passes, scanning every entry in order, and making final edits.
Calendar mode in Budget
Switch to Calendar inside Budget when dates matter most and you want to see how income, bills, and one-offs are distributed across the month.
Plan and Edit view
Best when you still need to build from recurring, add one-off items, estimate card payments, or work through the attention queue before the month is ready to review.
Stay in the same month workflow
Budget, Breakdown, and Plan and Edit are meant to feel like one month workspace, and Budget keeps its Grouped, Full List, or Calendar mode as you move through entry actions and nearby months.
Helpful month actions
Clone Month creates the next month from the current structure. Plan and Edit lets you add saved paychecks, subscriptions, monthly bills, and payment plans one group at a time, then estimate or re-estimate card payments from the leftover cash that remains visible after the rest of the month is in view. Minimum payments are still added for active cards, and any additional leftover cash increases those estimated payments further. Some recurring entries can also automatically mark themselves paid when they become due.
Related guidance
Before this page
If account setup and recurring linkage are not done yet, go back to Getting Started.
After this page
For backup behavior, layout notes, and help context, continue to Reference.