Add an account, import or enter transactions, set up categories, create a budget, and explore the dashboard. Takes about 10 minutes.
Navigate to the Accounts page from the left sidebar and click Add Account.
Fill in the details:
- Name -- a label you will recognize (e.g. "Main Checking", "Visa Rewards")
- Type -- choose from checking, savings, credit card, loan, investment, cash, cryptocurrency, money market, mortgage, or line of credit
- Currency -- pick from 45+ supported currencies including major fiat currencies and crypto
- Opening Balance -- the account balance at the time you start tracking
Click Save. Repeat for any other accounts you want to track.
Tip: For credit cards and loans, enter the balance as a negative number to represent money owed. You can also set a credit limit for credit card accounts.
You have two options: import from your bank or add transactions by hand.
Go to Import in the sidebar and upload a statement file. Budget supports CSV, OFX, and QIF formats. The importer auto-detects delimiters and number formats, and includes duplicate detection so you can safely re-import overlapping date ranges.
See Import for the full walkthrough including column mapping and dual-column amount handling.
Go to Transactions, select an account, and click Add Transaction. Enter the date, description, amount, and optionally assign a category. You can also split a single transaction across multiple categories.
Go to the Categories page. You have two options:
- Generate defaults -- click Create Default Categories and Budget will generate a full category tree based on the 50/30/20 budgeting rule (50% needs, 30% wants, 20% savings). If you provide your monthly income, budget amounts are pre-calculated for you.
- Create your own -- click Add Category to build a custom hierarchy from scratch.
Categories are organized in a tree structure, so you can have top-level groups (like "Housing" or "Food") with specific sub-categories underneath.
Tip: You can always reorganize categories later. Transactions keep their assignments even if you move categories around.
Go to the Budget page and set spending limits for each category. Choose a budget period (monthly is most common) and enter the amount you want to allocate to each category.
As transactions come in, Budget tracks your spending against these limits. You will see alerts on the dashboard when you are approaching or exceeding a budget.
The Dashboard is your financial command center. It shows 28+ customizable tiles organized into sections:
- Hero tiles at the top -- net worth, monthly income, monthly expenses, net savings, and more
- Charts -- income vs. expenses trends, spending by category, net worth history
- Summary cards -- account balances, budget progress, upcoming bills, savings goals, debt payoff status
Click Customize Dashboard to show, hide, or rearrange tiles to match what matters most to you.
Note: Some tiles (like budget alerts and savings goals) only appear once you have set up the corresponding features.
Now that the basics are in place, explore these features to get more out of Budget:
- Rules -- Set up auto-categorization rules so imported transactions are categorized automatically
- Bills -- Track recurring bills and get Nextcloud notifications before they are due
- Income -- Monitor expected income sources and flag missed payments
- Forecast -- See predicted future balances based on your spending history
- Savings Goals -- Set financial targets and track your progress
- Reports -- Generate year-over-year comparisons and spending breakdowns
- Shared Expenses -- Split costs with housemates, partners, or friends
- Password Protection -- Add an app-level password for extra security
- Settings -- Customize currency, date formats, and other preferences