Spending Plan
The Spending Plan is your budget—flexible enough to match how you actually think about money, and always up to date as transactions come in.
Most budgeting tools ask you to follow a rigid structure. The Spending Plan works differently. You decide how much detail you want—track every dollar if that's your style, or keep an eye on just a few key categories. Either way, the Spending Plan gives you a clear, at-a-glance view of your finances so you can make confident decisions throughout the month.
What You’re Seeing
Your month is organized into simple sections:
Income – Money you’ve received (and expect to receive)
Bills – Recurring bills and subscriptions (mortgage, utilities, streaming services)
Planned Spend – Money set aside for flexible expenses (groceries, clothing, dining out)
Other Spend – Additional spending that wasn’t planned (not included in planned spend or bills)
Goals – Savings goals you’ve committed to
Left this Month shows what’s available to spend—your true and current usable balance.
When to Use the Spending Plan
Your bank balance doesn’t tell the full story—it doesn’t account for upcoming bills, planned expenses, or savings.
Use the Spending Plan if you want to:
Know what you can safely spend right now—not just what’s in your bank account
See how bills and spending affect your month in real time
Avoid managing a rigid, manual budget
Handle variable income with more flexibility
Coordinate spending and savings across shared finances
What to Do Next
If you’re new to the Spending Plan, start here:
Review your Income – Make sure recurring income is included
Check your Bills – Confirm recurring bills (rent, utilities, car payment)
Set Planned Spending – Add flexible categories (groceries, dining, gas)
Evaluate Other Spend - As the month progresses, examine other spend items to see if they should be moved to Planned Spending or Bills.
Watch “Left this month” – Use this to guide your day-to-day spending
Read more Understanding Your Spending Plan .
A Few Things to Know
Your plan updates automatically as transactions download
New or one-time income may appear under Excluded until you review it
You can adjust any section at any time
Where to Find your Spending Plan
Select Spending Plan from the left sidebar.
You can view and adjust your plan for any month up to one year in advance.
Ready to Learn More?
Learn how your budget is built and how to customize your Spending Plan: