Start fresh
Use this when the month is meaningfully different and you want to pull in only the recurring pieces that still apply.
Build each month from what repeats, then keep it honest.
The monthly workflow is simple: create or clone the month, add the recurring transactions, enter real activity, review what changed, and check the entries behind each account total.
Create or clone the month you need
Clone an existing month
Use this when the next month mostly follows the same pattern and you want a fast starting point instead of retyping the same items.
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 add any recurring transactions that were not part of the cloned month.
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 one-off entries or import activity
Plan and Edit
Use this tab when you want the app to walk you through the work: recurring items first, one-off exceptions second, then the entries that still need attention.
Add Entry with Wizard
Use the wizard when you want a guided flow with progress, review, and the option to save a useful entry for future months.
CSV import
Use import when transaction history already exists outside the app and retyping it would be slower than cleanup after the month is set up. CSV rows can include Money Leaves Account and Money Goes To Account columns so imported payments and transfers can feed account movement.
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.
Reuse recurring transactions instead of starting over
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. You can also create a credit card account and schedule its monthly payment from the account setup flow. Link the card account that is being paid down and the checking or cash account that will make the payment so the month entries already match the real flow of money.
Review the month from the angle you need
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 view for the monthly flow graph, account movement summaries, outflow breakdowns, running net cash flow, and over-budget category callouts. Movement totals link back to the entries behind them when there is activity to review.
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 open an exact review reason before the month is ready to close out.
Exact Month Review modes
Review still-planned-and-due entries, missing key details, paid entries without actual amounts, or auto-completed entries. Each mode has its own URL and shows the exact matching records behind the count.
Compact month summary
Keep the month totals and leftover context close while moving between Budget, Breakdown, and Plan and Edit instead of rebuilding the financial position from separate cards.
Stay in the same month workflow
Budget, Breakdown, and Plan and Edit form one month workspace. Budget keeps its Full List, Calendar, or Grouped mode as you update entries and move between nearby months.
Helpful month actions
Clone Month creates the next month from the current one. 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 setup and reference guidance
Before this page
If accounts and recurring transactions are not set up yet, go back to Getting Started.
After this page
For backups, layout notes, and help context, continue to Reference.