Categories

Choose the right kind of category

Income categories describe money coming in. Bills are expenses with due dates. Spending categories cover flexible expenses such as groceries. Savings goals track money set aside toward a goal.

Create categories during setup or add and edit them later. You can also add a category while categorizing a transaction when no existing category fits.

Set the schedule

Choose the repeat schedule that matches the expense or income. For flexible spending, choose the window you want to budget for. Monthly spending keeps one full-month envelope; per-paycheck spending follows your pay schedule.

A target is the amount you plan to cover. Assigned is the money you have actually set aside. Changing the displayed pay period does not reset assigned money or spending in the category’s own window.

Bills and one-time expenses

Give bills their due dates so you can plan for them before they arrive. For an expense that will not repeat, use a one-time category and its relevant date. You can assign part of an upcoming bill ahead of time.

When a view groups several occurrences, check which date you are funding. Each occurrence keeps its own assignment.

Card and loan payments

Adding a debt account creates a linked payment category. Record payments as transfers from the paying account to the debt account. The payment category helps you reserve cash for those payments.

Credit-card payment categories carry reserved money forward. This is different from a regular spending category starting its next window.

Categorize refunds

For an expense refund, choose the original expense category when appropriate. This reduces net spending in the applicable window. Transfers between your own accounts are money movement, not a new paycheck.