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Setting up takes a few minutes, and you only do it once.

Create your household: give it a name and a base currency. Every projection is shown in that currency.

Enter your Bills balance. Bills is the account, or pot, you pay your bills from. It does not have to be a separate bank account.

Choose your deposit day: the day of the month you usually top up Bills.

Then add your income and your commitments. The dashboard fills in as soon as both exist.

A commitment is any bill or payment you know is coming: rent, power, insurance, subscriptions, loan instalments, annual fees.

Choose Add commitment, then enter the name, amount, how often it is paid and the next payment date. Use the real date, because the plan works day by day.

Answer “Yes, it is exact” for amounts that do not change and “No, this is my usual estimate” for bills that vary. Once an estimated bill passes its due date it appears under Needs confirming on the dashboard, so you can enter the real figure.

For weekly or fortnightly bills you already pay, switch on “Already paying this?” so payments made earlier this month are counted.

Add each regular income with who receives it, the amount after tax, how often it arrives and the next pay date.

When a payment arrives, choose Record next to it.

Income in another currency is converted with the exchange rate set under Household.

Having enough money over a month is not the same as having it on the day a bill is due. The reserve is a cushion kept in Bills so payment timing and bills that vary do not leave you short.

Weekly bills: the next six payments, about six weeks. Fortnightly bills: the next three payments. Monthly bills: the next two payments, two months.

Quarterly and annual bills: a share is set aside each month, so the full amount is there when the bill arrives.

The Reserve card on the dashboard shows how much of today's target is already covered.

Each month the app suggests how much to move into Bills. The suggestion covers the bills due that month plus what is needed to bring the reserve up to target.

Depositing less than suggested is not automatically a problem. What matters is whether every bill can still be paid.

When you move money into Bills, enter the amount under Record a Bills deposit on the dashboard.

Once the reserve is established, the suggested deposit drops to just the month's bills. Same commitments, two situations:

Simplified amounts in AUD. The real calculation also considers your existing balance and payment dates.

Bills balance: what is in Bills today.

Reserve: how much of today's reserve target is already covered.

Still to deposit: how much more to move into Bills this month.

Expected leftover: monthly income minus the Bills deposit.

Next 14 days lists the bills about to be paid. The chart shows the Bills balance day by day against the reserve target, and the table shows the next twelve months.

This is the amount remaining after your planned Bills deposit. It may still need to cover everyday spending, savings goals, and other expenses you haven't included in your plan.

If Bills looks short on a date: your Bills balance may be insufficient on this date. You may need to deposit earlier, increase the money available before the payment, or adjust your funding plan.

Goals is where you give your leftover a purpose. Name what you are saving for and how much you need.

Goals are funded from what remains after your Bills deposit, so they do not compete with your bills.

Household holds the settings everyone shares: the household name, the deposit day, a date to have the reserve fully built by, and exchange rates.

Add a member with just a name, or include an email to send an invitation so they can set their own password and sign in.

Only admins can open Household. Members see the dashboard, commitments, income and goals.

Use the EN / PT switch at the top of any page to change between English (US) and Português (Brasil). Numbers, dates and money follow the language you pick.