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Quick Start

This guide walks you through creating your first budget from scratch.

Create your account

  1. Visit app.budgetwise.io
  2. Click Sign Up
  3. Enter your email and create a password
  4. Verify your email address

Create a budget

After signing in, you’ll be prompted to create a budget. Most people need just one.

  1. Click Create Budget
  2. Give it a name (e.g., “Personal Budget” or “Household Budget”)

Tip: You can configure your currency symbol, separators, and date format later in Settings > Budget.

Add your accounts

  1. Click Add Account in the sidebar
  2. Choose the account type (checking, savings, credit card, or cash)
  3. Enter the current balance from your bank statement

Tip: Start with just your main checking account. You can always add more later.

Set up categories

Categories are where you assign your money. Create them on the Budget page:

  • Fixed expenses: Rent, utilities, subscriptions
  • Variable expenses: Groceries, gas, entertainment
  • Goals: Emergency fund, vacation, big purchases

Assign your money

Look at your “Left to Budget” balance and start distributing it:

  1. Click on a category’s Budgeted column
  2. Enter how much you want to budget
  3. Repeat until “Left to Budget” is $0

Note: The goal is zero. When Left to Budget hits $0, all your money is accounted for.

Record transactions

As you spend, record your transactions:

  1. Go to an account
  2. Click Add Transaction
  3. Choose Inflow or Outflow, then enter the payee, amount, and category
  4. Save

Next steps