Budgets and goals

Budgets that say what's left, yearly envelopes, tag and merchant budgets, the 12-month grid, and goals that tell you if your pace gets you there.

Budgets#

A budget is a limit for a category, a tag or a single merchant, and it reads in plain words: "$120 left" or "over by $40".

Make one#

1. Open Budgets and choose Add budget (or press n).
2. Pick what it covers: Category, Tag or Merchant.
3. Set the amount: a fixed figure, or a percent of your monthly cap.
4. Choose monthly or yearly, and whether it repeats every period (on by default) or sits in the months you place it.

Read it#

• The bar fills as you spend; the marker is where you should be by today. Budgets at risk sort to the top.
• Tap the spent figure to see the rows behind it.
• Monthly cap, at the top, is one limit across all categories.
• Rollover is your choice per budget: carry what is left into next month, or start fresh.
• Web [ and ] step back and forward a month.

Year view#

Switch the view from Month to 12-month to see every category across the year, one column per month, with spent against limit and a colour for each cell. Repeating budgets fill the grid; one-off budgets show only in the months you placed them, so seasonal spending stays out of the other months. Override one month, or a range, without touching the rest.

Yearly envelopes#

A yearly budget is one pot for the year, spent down as the months pass. Travel, gifts and insurance are measured year to date, so one big month never trips a false alarm.

Tags, merchants and currencies#

• Tag budgets cap a trip, a project or any theme across categories. They get the same 12-month grid. With Books on, a tag budget can have a total plus per-category lines.
• Merchant budgets cap one shop, for when one shop is the whole problem.
• Per-currency budgets track a category you spend in rupees in rupees, instead of flattening it into your home currency.

Sharing bills with a household? Budgets can count only your share of a split. See Household and splits.

Budget alerts live under Notifications.

Goals#

A goal is a target with a pace. Orbiq projects when your current pace gets you there.

1. Open Goals and choose New goal (or press n).
2. Name it and set the target, the goal's currency, and an optional target date.
3. Choose how it fills.

Pace#

Orbiq projects your finish date from what went in over recent months, and updates it as rows arrive.

• Ahead of pace – the projected date is before your target.
• Behind pace – it is after; the card shows the gap.
• No target date – it shows when you would finish at today's pace.

Add money on a savings goal records a contribution with its date: cash put aside, or a transfer no statement shows.

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