Transfer this week
These are suggested amounts to transfer manually, not bank transfers. If the income is too low to cover essential spending, the app shows the gap instead of hiding it.
Payday checklist
🛍️ Before you buy
These are recorded envelope balances, not bank balances. Record payday allocations and purchases to keep them accurate.
Do these transfers in order
Tick each transfer after completing it in your banking app. These checkmarks do not move money. If income is insufficient, review the warning before transferring.
✉️ Weekly envelope transfers
Amounts below reflect actual income. When income is short, flexible categories reduce first. Long-term amounts are weekly provisions for future expenses, not necessarily weekly purchases.
🛒 Weekly / monthly spending
🪙 Long-term savings envelopes
🐷 Personal savings
Includes the regular $50/week target (editable in Budget) plus any remaining income surplus. If income is short, savings may be reduced after flexible spending.
For safety, no bank account number is stored. Only the destination nickname appears in the checklist.
1. Record a payday
Only tap after you've actually moved or set aside the money. This records the planned envelope allocations once; it doesn't make bank transfers.
2. Record a purchase or transfer
3. Check before you spend
Green means funds are available. Red means the envelope has a deficit that needs funding. Balances roll over until spent or moved.
4. Handle overspending
Choose how to recover a deficit. Neither option silently changes the original annual budget.
Recent activity
Back up your data in Edit Budget. All records stay on this device unless you export and import them elsewhere.
✏️ Edit the full budget
Tap a coloured category to expand it. Change an amount or frequency and all envelopes, totals and income adjustments update immediately. Monthly values are emphasised in the summary. The original tyres/brakes $350 allowance is spread over three years.
Keep a backup
Changes are saved on this device in this browser. They do not sync automatically across devices. Export a backup before clearing browser data or changing phones.