First steps

1. Add an account

From the Accounts page, click Add account and choose its type: Checking, Savings, Cash, Credit card, Investment or Other. Each account has its own currency.

An account can be on budget or off budget: off-budget accounts (long-term savings, investments) count toward your net worth but their activity never affects your “To assign”. See Accounts.

2. Record your transactions

From Transactions, add an expense, income, or a transfer between two accounts. See Transactions for the details (splitting, reconciling, payees).

3. Assign your money

On the Budget page, the amount not yet assigned appears at the top as “To assign”. Distribute it across your categories until it reaches zero: every euro gets an envelope. See The envelope principle.

4. Organize your categories

The default categories are a starting point. Create, rename, or group them from Categories so they match your actual spending — see Categories, rules and goals.

What’s next

• Multiple currencies? See Multiple currencies.
• Have a bank history to bring in? See CSV import and export.
• Want to track your finances on your phone too? See Multi-device sync.