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Two ways to plan your money
Choose the approach that fits how you think about spending. You can start simple, and you don't need to connect a bank to make a budget.
Standard
Flexible Spending Targets
Set monthly amounts for groceries, bills and other categories. Compare your plan with what you spend.
Best for: People who want to keep an eye on monthly spending without assigning all the cash in their accounts.
Follow the Flexible budgeting tutorial →Optional · Beta
Zero-Based Budgeting
Start with confirmed cash, then assign that money to bills, spending, savings and card payments.
Best for: People who want to decide what each available dollar will do before spending it.
Follow the Zero-Based tutorial →What's the difference?
| Question | Flexible | Zero-Based (Beta) |
|---|---|---|
| What do I start with? | Expected monthly income and category targets | Confirmed cash balances on a chosen starting date |
| Do I assign all my available cash? | No | You can assign it to categories and card payments |
| What happens when I overspend? | Review or change targets for the month | Move available money to cover a category shortfall |
| Do category amounts carry over? | Monthly target tracking, not envelope rollover | Positive available category amounts can carry forward |
| Which should I choose? | Simple monthly planning | More hands-on cash allocation |
A good way to begin
- Choose the method you want to try.
- Follow its short worked example.
- Import or enter transactions and check their categories.
- Review your budget once a week and adjust it when things change.
Before using Zero-Based: This feature is in Beta. It works in one currency at a time and depends on confirmed starting balances. Back up your data before changing an existing setup.
Related guides
- Set up Flexible Spending Targets
- Learn Zero-Based Budgeting (Beta)
- Import bank and card transactions
- Move from YNAB or Actual Budget
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