Help & Guide
Add recurring bills, skip one month without breaking the series, mark bills posted, and understand why editing a past month is locked.
Tap the floating “+” in the bottom-right corner — it's there on a phone and on a computer. Give it a name, an amount, a category, and when it's due, then set how often it repeats.
Frequencies are Every month, Twice a month, Every 2 weeks, Every week, Specific months (with one-tap Quarterly / Twice-a-year / Yearly presets), and One-off (just once). Anything but One-off repeats going forward. Categories are Utilities, Loans, Credit, Subscriptions, Saving, Giving, and Other.
Standing settings carry forward until you change them: “Automatic” pays itself, and “Unscheduled” hasn't been arranged yet. Tap the info circle next to the Status box to see a plain-English note for each one.
Single-month settings apply only to the month you're viewing: “Scheduled” (queued this month — next month starts fresh), “Posted” (paid/cleared; income shows this as “Received”), and “Not due this month” (skip just this once).
Set that month's status to “Not due this month.” The bill stays on the list — shown struck-through — but drops out of what you owe and out of your “left to spend,” and it's back to normal automatically next month.
To stop a bill for longer, retire it (“It's no longer needed” on the trash menu or the Month-by-month page): it stops appearing going forward while your past months stay put. Changed your mind? Bring it back anytime with “Resume” in the Month-by-month page's Retired section.
A normal edit — amount, name, category, or a standing status — applies from the month you're viewing forward; earlier months keep their history. There's no “which months?” prompt anymore; changes simply travel forward.
Two things behave differently: changing the frequency/schedule rewrites the whole series, and marking a bill Posted or Scheduled affects only that one month (those are single-month events, not standing settings).
It marks that month's copy as Posted — settled for that month only — so it drops out of what you owe but stays visible in a “posted” group. It never carries onto future months; next month reopens normally.
If you mark next month's bill paid early, the app asks to confirm and then records it as Posted where it is — it stays a next-month bill, so that month's totals still include it. Paying early changes when the money moved, never which month owes it.
Open the pay period it belongs to under “Show me the next 6 weeks” and tap the mark beside the paycheck at the top of the list. That records it as received. It's the one thing the app can't work out for itself: a deposit posting a day or two ahead — a payday that falls on a weekend or a holiday usually pays out the business day before — is a fact about your bank, not about any schedule.
Once the paycheck is marked received, every bill that paycheck covers can be marked Posted, including the ones dated next month. They stay in the month they're scheduled in, so month totals, your savings and giving progress, and a debt's balance all count them correctly on the day the money actually left.
You don't need to do this for the paycheck you're already living on — once a payday has passed, its bills are yours to post whether they land this month or spill into the next.
Marking a bill Posted is how you tell BFOD that the money actually left your account, and it's the single most important habit in the app — almost everything that tracks your progress is built on it. Marking it Posted is what clears the bill from what you owe and your “left to spend,” draws a linked debt's balance down (moving your debt-free date), ticks up your savings, giving, and emergency-fund goals, counts toward your streaks and trophies, and records the month accurately for Insights.
So the moment a bill clears the bank, mark it Posted. A bill that really cleared but is still sitting as Scheduled or Unscheduled is invisible to all of that: your balances don't move, your goals don't fill, and your streak breaks — even though the money is already gone. If anything ever looks “stuck,” the usual cause is a cleared bill that was never marked Posted.
Autopay shortcut: if a bill truly pays itself every month, set its status to Automatic once. BFOD then counts it as paid for your debt, savings, and giving balances automatically, with no monthly tapping. The one exception is the “clean month” streaks and trophies — those count only bills you've actually marked Posted — so if you're chasing those badges, give your autopay bills a quick tap to Posted when they clear too.
Open the bill and tap the trash can, or tap the item on the Month-by-month page. Instead of jargon you pick why you're removing it:
The two answers differ in what happens to your history and whether you can change your mind. “It's no longer needed” means it was real and has now ended: it stops going forward, every earlier month keeps it, and it's retired rather than gone — Resume brings it back. “It was a mistake” means it never should have been there: it's deleted outright, from this month and from any earlier month that's still open, and it can't be undone. A one-time entry just removes with a single confirm.
Rule of thumb: if you actually had this bill and paid it, pick “no longer needed” — that's the one that protects your record. Save “a mistake” for a typo, a duplicate, or something you entered and never owed.
It can, for months that are still open. It deletes the rule outright, so the bill disappears from the current month, from all future months, and from any past month that hasn't closed yet — a just-ended month inside its 7-day grace window, or one still held open waiting to be reconciled.
Months that have already closed are frozen snapshots and are never changed, so anything that far back is safe either way. If you want your record kept intact, use “It's no longer needed” — that one leaves every earlier month exactly as it is.
Once a month ends it's frozen as a permanent, read-only snapshot, so nothing can rewrite what already happened. Edits and removals only ever affect the current and future months.
That's also why a change “travels forward” from the point you make it rather than reaching back into history.
That banner appears whenever you've stepped off the current month, so you always know the figures and any edits below it belong to the month you're browsing — not today. Tap “This month” to jump straight back.
On a future month, anything you change — a bill, a status, where that month's leftover goes — applies to that month only. On a past month it's simply a heads-up that you're looking at closed, read-only history.
It's the plain version of the app, for when you don't want the charts or the forecasts — just the list. It shows everything that lands in the month you're browsing — recurring bills and income, plus any one-time entries in their own section — and you can add, edit, remove, or tick things off right there.
It lives at More → Shortcuts → Month by month, and it was called “Simply Bills” until August 2026. Home has a “This month” summary of its own — the totals, pinned to the month you're living in — and this is the page behind it: the rows those totals are made of, in ANY month. Home is built around your paydays; this is the one page built around calendar months, including the ones ahead of you.
At the top it totals the month: income, bills, saving, giving, what's left over, and what's still to pay. Those totals come from the same month the rest of the app reads, so a skipped bill counts as $0 and a bi-weekly paycheck counts every time it lands — the row shows “×2” and the run total so you can see where the figure came from.
Tap the check at the left of a row to mark it posted (or a paycheck received); tap it again to un-mark. It's the same glyph the calendar uses — a solid green check is money that has gone, a hollow one is auto-pay that hasn't been confirmed yet. Auto-pay stays in “Still to pay” for that reason, and the page says how much of the remainder is auto-pay so it doesn't read as though you're behind. A row that lands more than once asks which occurrence you mean.
Savings goals landing on the same day are folded into one “Savings (N)” line showing the single amount you'd actually transfer — nobody makes six transfers on payday. Marking that line posted marks every goal in it, because that's the transfer you made. If you moved the money differently, tap the line to open it: each goal is listed underneath with its own check, so you can post just the ones that went, and the total above drops by exactly those. Giving is deliberately not folded up — those go to different people, and the names are the point.
Within a day, income is listed first, then bills, saving and giving — the same order as the tiles at the top, so the money arriving sits above the money leaving.
You can't mark anything posted in a closed month (its record can't be changed) or in a month that hasn't happened yet — the page says which and still shows you the status.
Series you've ended move to a “Retired” section, kept for history — and you can “Resume” any of them to start it up again. “Not due this month” and “Retired” both start collapsed; tap the heading to open them. To skip a single month instead, use “Not due this month” in that month.
Ending a series asks about this month's bill when one has already landed. “This month's still stands” keeps that line on the record (it stops counting against you, but you can still see it); “I don't owe this month's” removes it from the month entirely — which is the one you want for a bill you've discovered you no longer pay. Either way earlier months are untouched and “Resume” brings the whole thing back.