Guide
Nested buckets, per-bucket instructions, amount vs. percentage types, and more. Here's what you can do.
Every bucket has both a percentage field and an amount field. Enter either one and we'll calculate the other.
If you know you want to save $500 every time you get paid, enter that as an amount. If you want 20% of your income going to savings, enter the percentage. Either way works.
The bucket type matters when you log income. A percentage bucket adapts to whatever income you enter (20% of $3,000 = $600, 20% of $5,000 = $1,000). An amount bucket stays fixed no matter what ($500 is always $500). The other field is just calculated for reference.
Tip: If you type a number over 100 in the percentage field, we'll ask if you meant to enter a dollar amount instead.
Sometimes you don't want to assign every dollar to a specific bucket. A leftover bucket takes whatever's left after the other buckets at the same tier are allocated.
Say Rent is $1,200 and Groceries is $400, and you have a leftover bucket called "Guilt-free spending." If you log $2,000 of income, Rent and Groceries take their fixed amounts and the leftover bucket gets the remaining $400. Log $2,500 next month and it gets $900. No math on your end.
You can have more than one leftover at a tier, and the leftover gets split evenly between them.
Tip: If your other buckets add up to more than your income, the leftover shows $0 and the running total shows how much you're over. That's your signal to rebalance.
How to add one: Open a bucket's menu, tap "New bucket," and pick "Leftover."
Set a cap on a bucket so it stops accepting money once it hits a target.
Useful for:
When you actually use the money (paid your rent, hit your goal), tap "Restart from $0" to clear the count and start fresh.
How to set one: Tap a bucket, then expand "More options" to find the Limit section.
Tip: When a bucket caps and there's a leftover sibling at the same tier, the extra flows there. If there's no leftover sibling, the extra is dropped, so adjust your percentages or add a leftover bucket so nothing's wasted.
The income field at the top of the bucket builder lets you preview what each bucket gets for a given income. Type in a number and watch the amounts update.
This won't log anything or create any transactions. It's just for planning. Try entering a recent income amount to make sure the split looks right.
Any bucket can have sub-buckets. For example, your 20% "Future" bucket could break down into:
The sub-buckets split their parent's share, not your total income. So if "Future" gets $400, Emergency fund gets $240, Investments gets $100, and Vacation gets $60.
How to add them: Open a bucket's menu (the three dots) and tap "New bucket."
Tip: Start simple. You can always add nesting later as your system gets more specific.
Tap "Diagram" at the top of the bucket builder for a radial view of your whole bucket set. Nested buckets fan out from the center, so you can see how the system actually flows at a glance. It gets more useful the more tiers you have.
You can type an income into the diagram and watch the amounts update. This is separate from your real income tester, so feel free to try numbers without touching your saved setup.
Download: Tap the download button in the corner to save it as a PNG. Handy for sharing with a partner, dropping into a doc, or keeping a snapshot before you rework your system.
You can create more than one bucket set. This is useful if you have different income sources that need different splits, or if you want to experiment with a new setup without losing your current one.
How to use them: Open the menu (three dots next to the bucket set name) to create, load, or duplicate bucket sets.
When you log income, it uses your most recently used bucket set. To pick a different one, expand "More options" in the income dialog and select the bucket set you want.
Add notes to any bucket so you know exactly what to do on payday. These show up as a help icon on your transactions when you log income.
Good instructions are specific. Instead of "Put this in savings," try "Transfer to Marcus HYSA (ending 4521)."
How to add them: Open a bucket's menu and tap "Instructions."
Tip: Include the account name and last four digits so you don't have to look it up every time.
By default, every bucket creates a transaction when you log income. But you can control this per bucket.
How to change them: Open a bucket's menu to find these toggles.
Ready to try it out? ← Back to your buckets or start your free trial.