Plan your budget
The Budget is a table of categories and months for the whole year. You enter the plan and the actuals add up on their own from transactions — you see at once where you spend more than you wanted.
Step by step
- Open Home Finance → Budget. Each month has Planned and Actual columns; the current one has Today in the header.
- Click a plan field (white, framed), type the amount and confirm with Enter. Esc cancels. Bold amounts without a frame are totals — they add up by themselves.
- To avoid typing the same amount 12 times, click ⋯ next to a category (it shows when you hover the row) and choose how to fill it.
- Check the Available to budget row: how much income is still not planned.
| Category | Planned | Actual |
|---|---|---|
| October | ||
| Housing | 1,390.00 | 1,288.40 |
| Buffer “Housing” | 100.00 | – |
| Rent | 1,100.00 | 1,100.00 |
| Utilities | 190.00 | 188.40 |
| Transport | 350.00 | 356.00 |
| Fuel | 280.00 | 286.00 |
Quick fill “⋯”
| Option | Example |
|---|---|
| Same amount until year end… | rent of 1,100 zł every month |
| Spread a yearly amount… | 1,200 zł a year → 100 zł a month |
| Quarterly / once a year… | car insurance in March |
| Like last year… | heating based on last year's plan or spending |
| 3-month spending average | food based on what you really spend |
| Change by %… | rent +5% from July |
| Clear plan from … | removes the plan from the chosen month |
In each window you pick From month, and the preview shows which months will change.
A buffer for small unexpected expenses
A group (a category with subcategories) shows one amount — the total of its subcategories. Add a reserve for small things with ⋯ next to the group → Add a buffer for unexpected spending: a green “Buffer” row appears with its own plan. For big breakdowns (e.g. a washing machine) an “Emergency fund” goal is better — see Save towards a goal.
Good to know
- Below expenses there is a Goals section — planned contributions to goals. A negative amount (e.g.
-8000in the month of a trip) is a planned withdrawal from a goal. - Actuals above plan are red, and empty amounts show as “–”. The alerts badge above the table lists categories that went over plan or used more than 80%.
- Below goals there are Liabilities (loan and card instalments from Net worth) and Assets (e.g. buying gold regularly without a goal). Actuals are transfers from an account to the loan or the asset. “Available to budget” also subtracts instalments and asset contributions.
- Copy plan copies a month's plan to the next 3, 6 or 12 months.
- Scroll the table by dragging or with the mouse wheel; the arrows icon opens it full screen. Download the plan as CSV or PDF.
FAQ
Why can't I type an amount for a group, e.g. “Housing”?
A group shows the total of its categories. Enter the plan in the subcategories or add a “Buffer” row.
Will quick fill overwrite amounts I already entered?
It changes the months from the chosen month to December. The preview in the window shows exactly what will change before you click.
Where do the actuals come from?
From transactions recorded in that month: from the form, quick add, the phone app and confirmed recurring payments.