Features / Spending Plan
Plan next month with this month in view.
A plan does not need to predict every purchase. Set category targets, compare them with what you spend, and adjust when life gives you a different month.
Start in the iOS app. Web sign-in is available for existing members.
Groceries / November / CAD
$120
Remaining against the example target
- Monthly target
- $600
- Spent so far
- $480
- Remaining
- $120
A planning target, not a bank balance.
Set a target. See how you are doing. Adjust.
Plan at the category level
Set monthly targets for the categories you want to manage. Give recurring essentials space first, then decide how much room to leave for the spending you can change.
Read the target beside the actual
Spending Plan brings planned amounts and actual spending into the same view. An overspent category is information you can act on, not a reason to abandon the rest of the month.
Keep the plan responsive
Review the selected month and adjust your targets as needed. Your past spending provides context; you still decide what belongs in the next plan.
Good to know
A few practical questions.
Is a target a limit on my bank account?
No. Spending Plan is a budgeting view. Setting a target does not move money, block a purchase or reserve funds in your bank account.
Do I need perfect categories first?
Start with the categories that matter most, then improve the rest. Categorization affects actual spending totals, so check unexpected results against your transactions.
What if I go over a target?
Use it as a reason to look closer. You can adjust the target, change a future plan, or leave it as a record of an unusual month.
Start with one month of spending.
Bring in your transactions, review your categories, and give the next month a plan.