Help & Guide
Set up bi-weekly or twice-a-month pay, handle a paycheck that varies, and see what each pay period actually leaves you free to spend.
Open the entry form (the “+” button) and flip the Bill / Income switch at the top to Income. That switch only shows for new entries — you can't change an entry's type after saving.
Set the amount and a schedule. For a paycheck, pick how often it arrives and its first date. Enter your net (take-home) pay, not gross — see the next question.
Enter your net (take-home) pay — the amount that actually lands in your account after taxes, insurance, retirement, and other deductions.
Every “Left to spend” number is your income minus bills, savings, and giving, so it only works if the income is money you can really spend. Using gross pay would overstate every paycheck and make each pay period look like it has more room than it does.
For every-two-weeks pay, choose “Every 2 weeks” and set your “Most Recent Payday” — it then repeats every 14 days (26 checks a year), so some months automatically show two, occasionally three, paydays.
For fixed dates like the 1st and 15th, choose “Twice a month.” Weekly works the same way from your most recent payday.
Enter your typical/planned amount. When the amount changes for good, edit it and the app applies the new amount from that date forward without rewriting past months.
For a single unusual check, edit just that one occurrence.
It's the stretch of days one paycheck covers — from a payday until the day before your next payday (the last one runs to month-end). The app builds these automatically from your income, one per payday.
Bills are grouped under the paycheck that covers their day, so you can see what each check has to pay for.
It's what you can spend between now and that paycheck's last day and still land every bill, every savings and giving transfer, and anything a later paycheck is counting on. It's your everyday living allowance for those days (the pencil inside the card) plus whatever is free above it — the same money the leftover box offers. On a paycheck that runs short it's what survives the gap, in red, which may be nothing.
“Free” or “Left to spend” inside the card is the second half of that: what's left of the paycheck after its bills and its share of your savings and giving goals — income minus bills minus savings minus giving. Money earmarked for goals is deliberately not counted as spendable, which is why a check can show less free cash than “income minus bills.”
Each paycheck card shows where your account ends up when that paycheck's dates run out — “Surplus” or “Shortfall” — carrying whatever the paycheck before it left, so money earned earlier in the month covers a tighter paycheck later. A red “Shortfall” only appears on the paycheck whose bills would actually take the account under. Pausing a savings or giving transfer on that card is the intended way to free some money up when that happens.
Bills don't fall evenly across your paychecks — one check might be light while another gets buried under big bills (insurance, a quarterly payment). So the app levels the month for you: an earlier flush paycheck's surplus stays in your account to cover a later tight one, exactly the way the money really flows through your month.
There's no separate pot — the money just sits in your bank account. A flush paycheck's Surplus is where the account ends when its dates run out; “Hold Back for Future” under it is the part a leaner paycheck later is counting on, so you know not to spend that. That later paycheck then opens on the same figure as “Carried In” — the money it needs should already be sitting there, so just check your balance to confirm. It only reads a red “Shortfall” when even that isn't enough to cover its bills — that's a genuine gap, on the paycheck where it lands.
This is automatic and only rearranges the timing within the month — it never changes your bills, your totals, or any extra you've sent toward debt.
Dragging a bill to another day (or using “Assign to income period” in the editor) sets which paycheck funds it — it does not reschedule the bill. The due date stays exactly where it was.
It only affects the month you're in; other months are untouched. Drop it back inside its original pay period to clear the override. (Drag is desktop-only; on phones a day's bills collapse behind a “X bills due” line.)