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This is the ten-minute path from a blank screen to a working budget. You will create a budget, add one account with a starting balance, and assign that money to categories until Ready to Assign reads zero. You do not need a bank connection for this. A single manual account is enough to learn the loop. Connect a bank later, once the budget feels familiar.
1

Create your budget

Sign in and create a budget. Give it a name you will recognize, like “Household” or your own name. A fresh budget starts with a short list of starter categories and nothing assigned.Full walkthrough: Create your budget.
2

Add an account with its balance

Add one account and enter what is actually in it right now. For a checking account with $2,400, enter 2400 as the starting balance.That balance becomes money you can budget. Ready to Assign jumps to $2,400.More on this: Manual accounts and Account types.
3

Assign every dollar

Open the budget. Ready to Assign sits at the top. Type an amount into each category until that number reaches zero. Rent, groceries, gas, savings — whatever you spend on.When Ready to Assign hits $0, every dollar has a job. That is the whole idea.Step by step: Assign your first dollars.
4

Record a transaction

Spend something and record it against a category. The category’s Available amount drops by what you spent. When you fund a category and stay inside it, the number stays green.Details: Add, edit, and delete transactions.
Money is entered and shown in dollars throughout. Type 2400 or 2,400 for $2,400 — both work.

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What to do next

Connect a bank

Link an account so transactions arrive on their own instead of being typed in.

Move from another app

Bring history from YNAB, Monarch, Actual, or a CSV file. Each import creates a new budget.

Your first week

A short checklist to turn the quickstart into a habit that sticks.

Install the mobile app

Budget on the go on iOS and Android, with a biometric lock.