One connected financial workflow

Your whole budget, working together.

Plan what incoming money should do, assign it after it arrives, and keep every account, card purchase, and report connected to the decision that came first.

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Connected budget workspace preview

Harbor HouseholdAugust workspace
Up to date
Spending Plan

Give every dollar a purpose

August 2026
Expected income$5,240
Planned$4,929.20
Left to plan$310.80
CategoryPlannedAvailable
Rent & utilitiesDue Aug 5$2,140$2,140
GroceriesFour weekly shops$620$437.60
TransportFuel and train$385$268.40

One connected rhythm

PlanIncome arrivesFundSpendReviewUnderstandAdjust

Everything works together

A quick view of the system.

Each area answers a different question. Together, they carry the budget from intention to the next informed decision.

Plan

Build monthly spending intentions before income arrives.

Fund

Assign real money to Categories only after it is available.

Track

Keep accounts and real Transactions connected to the budget.

Review

Resolve downloaded activity that still needs a decision.

Manage debt

See what card spending makes ready for payment.

Automate

Use recurring activity and Income Schedules for what comes next.

Understand

Read reports and history built from the same records.

Customize

Shape Categories, accounts, schedules, and Workspaces.

Spending Plan + Funding

Plan before the money arrives. Fund after it does.

A Spending Plan describes what you want future income to do. Funding turns that intention into category balances only when real money is ready to assign.

Plan + Fund

Turn expected income into money you can use

Plan the month first, then fund each category as income arrives.

JulyAugustSeptember
August planned$4,929.20What you intend to spend and save
Funded so far$3,410.80Money assigned from income received
Available now$2,672.20Funded, less spending recorded
Biweekly schedule

Income arriving in August

$5,240 expected
  1. 01AugPaycheck receivedNorthstar Design Co.$2,620Funded
  2. 02AugAssigned to prioritiesRent, groceries, transport + goals4 categories
  3. 15AugPaycheck expectedNorthstar Design Co.$2,620Upcoming
July100% funded
August69% funded
September12% funded
Category funding

Planned versus ready to spend

Planned Funded
CategoryPlannedFundedAvailable
Rent & utilitiesDue August 5
$2,140
$2,140
$2,140
GroceriesFour weekly shops
$620
$465
$437.60
TransportFuel and train fares
$385
$288.80
$268.40
Coastal tripSaving for October
$440
$220
$220
Planning sets the target; funding makes it available.$1,518.40 still to fund
Plan across timeView multiple months and copy a Spending Plan forward.
Match incomeUse weekly, biweekly, twice-monthly, or monthly funding profiles and Income Schedules.
Fund what is readyFund one category or the remaining plan while keeping To Be Budgeted visible.

Accounts + Transactions

Follow what actually happened.

A budget stays useful when real account activity is part of it. Record transactions manually or review downloaded activity without giving up control of the final record.

Transactions

Review recent activity

Downloaded items stay visible until every detail looks right.

2 to review
Recent transactions with review state, category, amount, and actions
DateAccount & payeeCategory & detailsStatusAmountReview actions
Harbor Market Groceries Downloaded today household Needs review -$64.28
CloudNine Hosting Software Matched to recurring item Cleared -$18
Rainy Day Savings Transfer Linked account transfer Reconciled -$500
Market Street Split transaction Groceries -$102.14 · Household -$24.30shared Cleared -$126.44
Brightline Payroll Paycheck Direct deposit Reconciled $2,425.50
Accounts synced moments ago
Shape the recordCategories, payees, splits, tags, and attachments
Keep accounts honestCleared states, reconciliation, transfers, and bulk actions
Resolve duplicatesMatch downloaded activity to transactions already entered

Credit + Debt

See the payment consequence when you spend.

A funded credit-card purchase reduces the original spending category and makes the covered amount available in Credit Card Payments. You keep the category context without losing sight of what the card needs next.

  • Amount ready to pay updates with covered card spending
  • Partial coverage stays explicit when a category is underfunded
  • Funding the category later updates payment availability
  • Payments remain transfers; liability payments keep their own workflow
Credit Card PaymentsRewards card
Amount ready to pay$104.40
Covered purchaseCategory was fully funded
Groceries available$150
Card purchase-$86.40
Reserved for payment$86.40
Partially coveredFunding added later updates the reserve
Home repairs available$18
Card purchase-$42
Reserved$18
Unfunded$24
Payment from Everyday checkingRecorded as a transfer to Rewards card
-$104.40 Ready

Recurring Money

Give predictable money a place in the timeline.

Income Schedules, Recurring Transactions, and Upcoming Transactions make the next period visible before it arrives. The schedule remains editable without turning every generated transaction into a separate chore.

Recurring

What is coming next

Income and repeating expenses, organized by their natural rhythm.

Next 30 days

Weekly

2 essentialsNext on Tuesday

Every 2 weeks

Brightline payNext on Friday

Monthly

5 scheduledAcross the month

  1. 3 days away
    $2,425.50 net
    Brightline PayrollEvery 2 weeks · Everyday Checking
    Biweekly$2,425.50

  2. 4 days away
    -$1,450
    Juniper ApartmentsRent · Everyday Checking
    Monthly-$1,450

  3. Next week
    -$146
    Harbor MarketGrocery plan · Rewards Card
    Weekly-$110
    Northside YogaWellness · Rewards Card
    Weekly-$36

  4. In 3 weeks
    $560.25 net
    Elm Studio RetainerClient income · Everyday Checking
    Monthly$650
    CloudNine HostingSoftware · Rewards Card
    Monthly-$89.75
Upcoming dates are ready for review
WeeklyEvery two weeksTwice monthlyMonthlyPast schedules catch up

Organization

Build the structure your household will keep using.

Start with practical categories, then make the Workspace reflect the way you plan, shop, and review.

Categories

Create groups, reorder priorities, hide what is not active, and reuse templates.

Activity

Organize accounts, manage and merge payees, and add tags that make transactions easier to find.

Workspace

Choose the budgeting rhythm and currency-aware display. Additional Workspaces follow plan limits.

Workspace settingsCategories
Everyday4 categories
GroceriesWeekly target
Dining outFlexible
True expenses3 categories
Home repairsMonthly contribution
Old membershipNo longer activeHidden

Reports + History

Understand the totals by following the decisions behind them.

Reports use the same categories and transactions you work with every day. Move from a spending trend to the account or category activity that explains it.

Reports

See the full money picture

Sample report · February–July 2026

Spending

By category

Total spending is $3,074. Housing is $1,450, food and dining is $684, transport is $349, utilities is $271, subscriptions is $90, and other spending is $230.

  • Housing$1,450
  • Food & dining$684
  • Transport$349
  • Utilities$271
  • Subscriptions$90
  • Other$230

Cash flow

Income & spending trend

Monthly income from February through July is $4,400, $4,850, $4,600, $5,120, $4,875, and $5,150. Monthly spending is $3,360, $3,820, $3,490, $4,010, $3,650, and $3,074. Income is higher than spending in every displayed month.

Activity

By account

  • Everyday Checking18 entries
    $3,986.25
  • Rewards Card31 entries
    $1,026.70
  • Rainy Day Savings4 entries
    $850

Activity

Top categories

  • Housing$1,450
    1 transaction
  • Food & dining$684
    12 transactions
  • Transport$349
    8 transactions
All values shown are fictional sample data.

Your records, in context

Bring useful history with you.

YNAB import

Bring supported YNAB export data into a Workspace instead of rebuilding every record by hand.

Attachments

Keep supporting files with supported records where the selected plan includes storage.

Feature depth

Detailed where daily money gets complicated.

The core workflow stays simple while the tools underneath handle the exceptions that real accounts create.

Planning

  • Spending Plans
  • Funding profiles
  • Income Schedules
  • Multiple funding frequencies
  • Category balances

Transactions

  • Splits and transfers
  • Recurring and Upcoming Transactions
  • Bulk actions
  • Tags and payees
  • Reconciliation

Connected accounts

  • Downloaded Transactions
  • Review workflow
  • Transaction matching
  • Transfer and payment identification
  • Personal plan + separate subscription

Credit + debt

  • Credit-card payment reserves
  • Amount ready to pay
  • Liability payments
  • Category-aware card spending

Organization

  • Category groups
  • Hidden Categories
  • Templates
  • Plan-limited Workspaces
  • Attachments on supported records

Data + insights

  • Reports on Personal
  • YNAB import
  • Account histories
  • Category activity
  • Cash-flow context

Keep the sequence connected

Build a budget that keeps working after the plan is made.

Plan what money should do, assign it when it arrives, and use what actually happens to make the next decision.

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