The Spending Plan

The Spending Plan is a Pro feature that lets you project your entire month before it begins. Where the Budget tracks category limits, the Spending Plan combines your planned spending, your recurring bills, and your expected income into a single forward-looking view.

How it differs from the Budget

The Budget tells you how much you've spent against your limits. The Spending Plan tells you whether your plan is affordable before a single transaction posts. It's the difference between tracking the past and designing the future.

What goes into the Spending Plan

The Spending Plan pulls from three sources: your budget category limits, your recurring bills, and your expected income for the month. Together these give you a complete picture of where your money is going — fixed obligations, discretionary spending, and what's left over.

The over-income warning

If your planned spending exceeds your expected income, the Spending Plan shows a warning with the exact shortfall. This is your signal to adjust before the month starts — reduce a category limit, defer a discretionary expense, or revisit a bill. Catching a shortfall in the plan is far easier than correcting it mid-month.

Who it's for

The Spending Plan is most useful once you have a few months of transaction history and a budget set up. If you're just getting started, begin with the Budget and come back to the Spending Plan once your spending patterns are clearer.