The dashboard is your home base. At a glance it shows your account balances, upcoming and overdue bills, recent activity, and how your budgets are tracking for the month.

Use it as a daily check-in — anything that needs attention (an overdue bill, a budget you're close to exceeding) is surfaced here and in your 🔔 notifications.

Accounts are where your money lives. You can track several types:

• Checking — everyday spending.
• Bills checking — a checking account you dedicate to paying bills (handy if you separate bill money from spending money).
• Savings — money set aside.
• Credit card — includes extra fields like credit limit, interest rate (APR), statement day, and payment due day. Open the Payoff calculator on a card to estimate months, interest, and an approximate minimum payment.
• Cash or other.

Each account keeps a running balance. You can archive an account to hide it without losing its history, and later restore it.

To keep balances accurate, reconcile your accounts against your bank statements — see Reconciling Accounts.

Every credit-card account has a Payoff calculator (from the account page). Prefills your current balance and APR so you can ask:

• Monthly payment — how long until it’s paid off, and total interest.
• Pay off in N months — what payment gets you there.
• Est. minimum — a simple estimate (about 1% of the balance plus monthly interest, floored at $25). Your issuer’s real minimum may differ.

If you set a payment due day on the card and it still has a balance, you’ll get in-app (and optional email digest) reminders when that day is within a week or overdue for the current month.

After you pay, open the payoff page and click Mark payment made — that clears this month’s due reminders. Or use Record card payment to create a transfer from checking/savings to the card and mark paid in one step.

Compare all cards with Multi-card payoff (snowball vs avalanche) when you want a household-wide plan.

Add each source of income under 💵 Income. For each one you set the amount and how often you're paid:

• Weekly, every two weeks, twice a month, or monthly.
• Weekend adjustment — if a payday lands on a weekend, the app can move it to the previous Friday or the next Monday to match when you're actually paid.
• Holidays — manage dates under Pay holidays (or Household settings). Pay dates that land on a holiday move to the previous business day; regenerate the income schedule after changes.

From this, the app projects your future paychecks automatically. Each projected paycheck shows an expected amount; when you're actually paid, mark it received and record the actual amount. You can skip a one-off paycheck without deleting the income source.

Deposit splits: if one paycheck is divided across accounts (say 80% to checking and the rest to savings), set that up as a deposit split. You can split by a fixed dollar amount, a percentage, or "remainder" (whatever is left over), so the whole paycheck is always accounted for.

A bill is a recurring payment (rent, utilities, subscriptions, etc.). Under 🧾 Bills you define each bill once — its amount, how often it's due, its due date, and which account pays it.

The app then creates a bill instance for each period (e.g. one for each month). Instances are what you actually pay and track:

• Due soon and overdue instances are flagged on your dashboard and in notifications.
• Mark an instance paid to record the actual amount and date.
• Skip a single instance if it doesn't apply this period.

Funding across paychecks: for larger bills you can decide which paycheck(s) cover them — pay it from a single paycheck, split it 50/50, spread it evenly, or pay it from whichever paycheck comes before the due date. This helps you see how much of each paycheck is already spoken for.

The 💸 Coverage page answers one question: "When I get paid, how much do I move to my bills account?"

For each upcoming paycheck it shows:

• Every bill funded by that paycheck, with its due date and amount.
• The total of those bills.
• Minus what's direct-deposited into your bills account for that paycheck (set this up as a deposit split on your income).
• The transfer that's left to move from everyday checking to your bills account to cover everything.

Tick the checkbox next to each bill once you've initiated that payment/transfer, so you can see at a glance what's done and what's left. Use Record transfer when you want the app to create the everyday-checking → bills-checking transfer for the remaining amount.

For the "already covered" amount to calculate, mark one account as Bills Checking and add a direct-deposit split into it on the Income page.

On 🏦 Savings you can save goals (name, target, optional linked account, contribution, APY). Progress shows on the dashboard.

Below that, the what-if simulator projects growth: start with a balance (optionally prefilled from a savings account), add a monthly contribution and an APY, and see how the balance grows over years.

• Interest compounds monthly — a common approximation of bank APY.
• Choose whether contributions land at the start or end of each month.
• Set an optional simulator goal to learn how many months it takes to get there (or save a real goal above).

The simulator itself does not change account balances — goals track progress against account balances or a starting amount you enter.

Budgets help you cap spending per category. Under 💰 Budgets, set a spending limit for a category over a period (weekly, monthly, or yearly). You can even set a different limit for a specific month (for example, a higher budget in December).

As you categorize transactions, the app compares your actual spending against each limit and warns you:

• At 90% — an "approaching your budget" heads-up.
• At 100% or more — an "over budget" alert.

These alerts appear in your notifications and can be included in your email digest.

Transactions are the individual entries in your ledger. You can add them manually under 💳 Transactions, sync them via Bank Connections, or upload a statement (see Importing Bank Statements).

You can also 📎 upload a receipt (JPG, PNG, WEBP, or PDF). The app asks whether to create a new transaction or attach the receipt to an existing one. Receipts are also manageable from a transaction’s edit screen.

Use 🔍 Scan receipt on JPG/PNG/WEBP or PDF receipts to suggest a date, amount, and merchant name into the form — always double-check before saving. For PDFs, the app first tries embedded text; if that fails (scanned PDF), it renders the first page(s) and OCRs them.

Each transaction has a date, an amount, an account, a category, and a description. A few helpful concepts:

• Transfers — moving money between your own accounts is recorded as a linked pair so it isn't counted as spending.
• Split categories — on edit, split one purchase across categories; amounts must add up to the total. Budgets and spending reports use the split lines.
• Linking — a transaction can be tied to a bill (to record that the bill was paid) or to a paycheck (to record income).
• Cleared — marking a transaction "cleared" means it has appeared on your statement; this is used when reconciling.

Categorizing your transactions is what powers your budgets and reports, so it's worth keeping up with. Use the uncategorized filter and bulk categorize when catching up after an import.

Under 🛠️ Tools → Bank connections you can link a bank or credit-card login through Plaid (Sandbox while testing; production when approved). One bank login is one Item / enrollment even if it includes several accounts. Access tokens are encrypted at rest.

• Reconnect repairs an existing login (password/MFA changes). Prefer this — it does not create a new Item.
• Connect a bank is only for institutions you have not linked yet.
• Refresh accounts reloads the Plaid account list/balances before mapping.
• Disconnect removes the link and stored tokens; transactions already imported stay in your ledger.
• Each household defaults to 5 active enrollments. Site admins also see a system-wide lifetime create soft cap; raise limits via approval if you need more (non-admins do not see the global meter).
• Need more? Submit an approval request on the same page; admins review under Account → Bank admin.
• Automatic sync: a server cron can sync connections periodically; optional Plaid webhooks (authenticated) can trigger near-real-time pulls. You can always click Sync manually.
• Sandbox test: username user_good / password pass_good.

After connecting:

1. Map each Plaid account to a local account on the same page.
2. Click Sync to pull posted transactions (pending are skipped).
3. Review bill/paycheck suggestions under Review.

CSV / OFX import remains available anytime.

Instead of typing everything in, upload a statement from your bank under 📥 Import. Supported formats:

• CSV — a spreadsheet export (the app auto-detects date, description, and amount columns).
• OFX / QFX — the “download to Quicken/Money” file many banks offer. These include a bank-assigned FITID per transaction for reliable duplicate detection.

1. Download a CSV, OFX, or QFX of your transactions from your bank's website.
2. Upload it and pick the account it belongs to.
3. Preview the transactions, then import.

No duplicates: if you import the same file twice, the app recognizes rows it already has and skips them. CSV uses a content fingerprint; OFX/QFX prefers the bank’s FITID.

After importing, the app looks for transactions that match your bills and paychecks, applies merchant category rules to uncategorized spending, and offers uncertain matches for review — see Reviewing Matches.

When imported transactions look like they pay one of your bills (or match a paycheck), the app suggests a match under 📋 Review. Each suggestion comes with a confidence level (high, medium, or low) and a short explanation of why it matched (based on the payee name, the date, and the amount).

• Confirm a suggestion to link that transaction — the bill is marked paid (or the paycheck received) with the real amount. Confirmed bill matches can learn a payee keyword for next time.
• Reject a suggestion if it's not actually a match.
• Bulk confirm / reject — select several suggestions at once when cleaning up a large import.

Reviewing regularly keeps your bills and spending accurate with very little manual entry.

Reconciling means making sure the balance in the app matches your real bank/credit-card statement. It's the best way to catch missing or duplicate transactions.

1. Open an account and start a reconciliation for a statement date.
2. Check off (clear) each transaction that appears on your statement.
3. When the cleared total matches your statement balance, finalize it.

Each reconciliation is saved as a record, and the account remembers when it was last reconciled and to what balance.

The app watches your transaction history for payments that repeat (same payee, roughly the same amount, on a regular schedule) but aren't set up as bills yet. When it spots one, it suggests turning it into a bill under 🔁 Recurring.

You can add a suggestion as a new bill, or dismiss it — dismissed suggestions won't keep coming back.

The 📅 Calendar lays out your money month by month — paydays, bill due dates, and other activity — so you can see how income and bills line up and spot tight spots before they happen.

Under 📊 Reports you'll find:

• Cash flow forecast — a look ahead at projected income, bills, and balance.
• Monthly cash flow — income vs. spending for any month, with a daily breakdown.
• Spending by category — where the money actually went (pie chart + breakdown).
• Budget vs actual — plan vs reality for each budgeted category.
• Bill payment history — on-time rates, late payments, and variance trends.
• CSV export — download your data for spreadsheets and tax season.
• Savings simulator — a what-if growth planner (also under 🏦 Savings).

The app raises notifications for things that need your attention — overdue bills, bills due soon, credit-card payment due dates, and budgets you're approaching or over. The 🔔 bell in the top bar shows your unread count; open 🔔 Notifications to read or dismiss them. Read/dismiss status is tracked per person.

Email digests (optional): in ⚙️ Settings you can choose to receive these alerts by email. Pick how often:

• Off — in-app only (the default).
• Instant — as alerts arise (flushed while you’re signed in, plus a frequent cron).
• Daily, weekly, or monthly — a rolled-up summary (hourly cron).

Note: digest delivery is tracked per person, so each opted-in member gets their own cadence.

Categories (like Groceries, Utilities, or Salary) classify your transactions and drive your budgets and reports. Manage them under 🏷️ Categories.

For import auto-categorize (non-bill payees), add Merchant rules — match text → category. Rules run after import and can be applied to existing uncategorized rows.

A set of common categories is created for you to start with. You can add your own, recolor them, or archive ones you don't use. The built-in defaults are protected so they can't be accidentally deleted.

Everyone in a household shares the same accounts, bills, and budgets. Manage yours under 👨‍👩‍👧 Household.

Roles control what each member can do:

• Owner — full control, including managing members.
• Member — can view and edit financial data.
• Read-only — can view but not change anything.

Inviting people: a household owner sends an email invitation from Household Settings. The invite link expires after a set time and can only be used once. When the person accepts, their account is linked to your household. Site admins can also manage invites from the Invites page.

Managing members: owners can change roles, remove members, or transfer ownership (you become a member). The last owner cannot leave until ownership is transferred. Members can leave the household themselves.

Site admins: use Account → Users to invite people to the program, edit accounts, lock (temporary) or disable (block sign-in), and cancel pending invites. Bank connection quotas remain under Bank admin.

New accounts must agree to the Terms of Use and Privacy Policy before they are created (also linked from invite and welcome emails).

Manage your personal account from ⚙️ Settings.

Two-factor authentication (2FA): add a second layer of security so signing in requires a one-time code from an authenticator app (Google Authenticator, Authy, 1Password, etc.).

• Go to Settings → Two-Factor Authentication → Enable 2FA.
• Scan the QR code with your authenticator app, confirm your password, and enter the 6-digit code to enable.
• Save your recovery codes somewhere safe — each one lets you sign in once if you ever lose your phone.
• Disabling 2FA or regenerating recovery codes also requires your password (and will sign out other sessions).

Passwords: if you forget yours, use the "Forgot password?" link on the sign-in page to get a secure, single-use reset link by email.

Delete account: at the bottom of Settings you can permanently delete your login. You must confirm with your password (and 2FA if enabled) and type DELETE. If you are the only member of a household, that household’s data and receipt files are removed too. If you are the only owner of a household that still has other members, deletion is blocked until ownership is sorted out.

Terms & Privacy: when you create an account you agree to the Terms of Use and Privacy Policy (also linked in the footer on every page). The Terms explain that you use the site at your own risk and that the operator is not liable for missing or deleted data.

For your protection, repeated failed sign-in attempts temporarily lock the account.

• Keep transactions categorized — budgets and reports are only as accurate as your categories. Merchant rules help after import/sync.
• Reconcile monthly — it's the surest way to catch anything missing or duplicated.
• Bank login changed? Use Reconnect on Bank connections — don't create a brand-new link for the same bank.
• Don't see a bill or paycheck you expected? Check whether it was skipped, archived, or set to a different account. Paycheck matching needs payee keywords on the income source.
• Imported a transaction twice? The app blocks exact duplicates, but if two entries differ slightly you can delete the extra one.
• Not getting digest emails? Check your frequency in ⚙️ Settings and your spam folder. Instant digests are checked about every 5 minutes (plus while you're signed in).
• Locked out / “Invalid email or password”? Wait after repeated failed logins, reset your password, or ask a site admin — a disabled account also cannot sign in.
• Where did that page go? Look under Plan / Activity / Tools / Account (desktop) or the grouped More menu (phone).
• Can’t find Logout? It stays in the top-right of the bar on every signed-in page (outside the collapsed mobile menu). You can also sign out from ⚙️ Settings.
• Receipt scan suggestions look wrong? OCR is a best-effort helper in your browser — always check date, amount, and merchant before saving.
• Install the native phone app: on Sign-in, use Get the phone app to download the Android APK (or install the iOS app from TestFlight/App Store when published). After sign-in, open More → Enable fingerprint login for fingerprint / Face ID unlock. The app is a real native app (not just a website shortcut) and uses the same household data; live balances need a network connection.

Still stuck? Reach out to your household owner or your administrator.