The Budgeting Page Structure

This page explains the main sections and fields on the Budgeting page and how to interpret the numbers you see.

Opening the Budgeting Page

    Select My Finances → Budgeting in the left vertical menu.
  • If the menu is not visible, click the menu icon in the top-left corner.
  • In the mobile app, tap Budgeting in the bottom toolbar.


The Header of the Budgeting Page

The header provides a high-level overview of your budget for the selected month.

Month Selector

  • Use the left and right arrows to move between months.
  • If a month other than the current one is selected, click Today to jump back to the current month.


Planned Income

(Envelope Budgeting only)
  • This field is visible only when Envelope Budgeting is selected in Settings. ⁠⁠Setting the Budgeting Method⁠ 
  • Planned Income represents how much income you expect to budget for the selected month.
  • Click the pencil icon to edit the planned income.


Ready to Budget

Ready to Budget shows how much money is currently available to assign to budget categories.
How this value is calculated depends on the selected budgeting method:
  • Envelope BudgetingAt the beginning of the month, Ready to Budget starts with the amount set as Planned Income.
  • Zero-Based BudgetingAt the beginning of the month, Ready to Budget starts with your total money, which is the sum of your available balance and savings.Every amount must be assigned a purpose — every dollar gets a job.
If Ready to Budget shows a red negative number, it means you’ve assigned more money to categories than your available monthly budget.


Total Spent

Shows the total amount you’ve spent during the selected month.
By default, credit card and loan repayments are not included, because these transactions are treated as transfers between your accounts. If you want to include them, you can change this behavior in Settings:  ⁠⁠Settings⁠ 


Total Available

Shows how much money remains from your monthly budget. This is the amount you can still spend for the selected month.
If Total Available shows a red negative number, it means you’ve overspent your monthly budget.


Add Category Group

Click Add Category Group to create a new expense category group. You can learn more about category operations here:  ⁠⁠Category Operations on the Budgeting Page⁠ 


The Body of the Budgeting Page

The body of the Budgeting page is a table that lists your expense categories, grouped by expense category groups.
Each row represents one expense category, and the table contains the following columns:

Category

Shows the name of the expense category.
Categories are grouped visually under their category groups to help organize related expenses.


Budget Assistant

If a target is created in the Budget Assistant for a category, the automatically calculated monthly budget amount is shown here.
If no target is created in the Budget Assistant, No target is displayed.
Click No target to create a target in the Budget Assistant for that category.
Learn more about using the Budget Assistant here:  ⁠⁠Using the Budget Assistant⁠ 

In the mobile app, the Budget Assistant column is not displayed due to the smaller screen size.
Tap the Budget amount of a category to open the Edit Budget panel.
The Budget Assistant is shown under the category group / category name.
To create a target, tap the edit icon next to No target.


Budget

Shows the amount you’ve budgeted for the category for the selected month.
This value can be set manually or calculated automatically by the Budget Assistant.
To set the budget manually, click the budget amount, enter the new value, then click Save.
To learn more about setting a budget for a category, see this page: ⁠⁠Setting a Budget for a Category⁠ 


Spent

Shows how much you’ve spent in this category during the selected month.


Available

Shows how much money remains for the category.
If Available shows a red negative number, it means you’ve overspent the budget for that category.


How to Read the Page

  • Header values show the big picture for the month
  • Category rows show where the money is planned, spent, and still available
  • Red negative values always indicate overspending
This structure helps you see both overall budget health and category-level details at a glance.