Budget

Go to Recurring Income and add your paycheck. Pick your frequency — weekly, bi-weekly, semi-monthly, or monthly. If you're paid bi-weekly, select what day of the week you get paid and pick your most recent payday from the dropdown. The app will tell you exactly which months you'll get a 3rd paycheck in the next 12 months — plan for those!

Go to Recurring Expenses and add anything you pay every month at the same amount — rent, phone, car payment, insurance, subscriptions. Assign each one to a bucket: Needs (essentials), Savings, or Fun. You only set these up once — they carry over and calculate automatically every month. That's the key difference: a recurring bill is entered once and repeats; a one-off cost that changes month to month (a grocery run, a doctor visit) goes under Add or Log One-Off Transactions instead.

The Monthly Checklist is your reminder so nothing slips through the cracks. Items marked ↻ are fixed bills — check them once and they stay checked permanently. Items without ↻ (electric, water, groceries, dining out) reset each month because the amount changes. Click any item to jump straight to the right form — it pre-fills the name and bucket for you, so just type the amount and hit Add.

Every expense you enter gets assigned to a bucket — Needs (50%), Savings (30%), or Fun (20%). The breakdown shows your target dollar amount for each and how much you've spent. The progress bar fills as you go. If it turns red, you've gone over — the app shows exactly how much so you know where to cut back.

Use Add or Log One-Off Transactions for anything that isn't on a fixed schedule — a medical bill, a grocery run, a night out, a bonus. You can enter $0 for any item just to mark it as acknowledged. If you pay rent on a second home or have any other fixed expense that repeats, add it in Recurring Expenses — that's exactly what that section is for. The category dropdown starts pre-filled with common options — just start typing and select one.

Add any loan in the Loan Tracker — car loan, student loan, mortgage, anything. Enter the balance, interest rate, term in months, and optionally your actual minimum payment. The app shows your monthly minimum payment, total interest you'll pay over the life of the loan, how many payments are left, and a bar showing how much of your money goes to interest vs. principal. Hit "+ Add minimum payment to Recurring Expenses" to automatically add it to your monthly bills.

Add your credit cards in the Credit Cards section. Enter the balance, APR, and the minimum payment from your statement. The app calculates exactly how long it'll take to pay off making only minimum payments, and how much interest you'll hand over. If your minimum doesn't even cover the monthly interest, it'll warn you that the debt will grow forever. Hit "+ Add minimum payment to Recurring Expenses" to track it in your monthly budget.

Use the ← → arrows at the top to move between months. Each month's transactions are saved separately. Your recurring income, recurring expenses, loans, and credit cards carry over automatically — you only need to log variable spending each month.

The Giving card shows a recommended 10% of your income — updated automatically as your income changes. Use the Monthly Checklist to log your Tithe, Church Offering, and Charity under the Giving section. You can enter $0 just to acknowledge an item if the amount varies or you've already given through other means.

Use Savings Goals to plan for anything you're working toward — a vacation, an emergency fund, a down payment, a new car. Enter the goal name, the target amount, how much you're already sitting on, and how much you can put away each month. The app calculates exactly when you'll hit the goal and shows a progress bar. Hit "+ Add monthly contribution to Recurring Expenses" to automatically track it in your budget.

On the Heart Check tab, upload a credit-card statement to see where your money actually went. Download your statement, drop it into ChatGPT with the prompt the page gives you ("turn this into a CSV with Date, Item, Category, Amount"), then upload that CSV. It ranks your spending biggest-first and gently points it back to God — and it never changes your budget numbers (so it won't double-count money you've already entered).

The Reset All button in the top right clears every entry, loan, recurring item, and checklist — useful if you want to hand the app to a friend or family member to set up their own budget from scratch. You'll be asked to confirm before anything is deleted.