Getting started
Setting up a month
Expected income, a spending boundary, and a savings target — the three numbers everything else rests on.
The three numbers
A plan is deliberately small. Expected income is what you think will come in. The spending boundary is what you want to stay under. The savings target is what you want to keep back.
None of them has to be exact. A rough plan that you adjust is more useful than a precise one you never make.
Doing it
Overview offers to set up the month when there is no plan yet, and Budgets is where you adjust it afterwards. You can also give individual categories their own limits once the overall plan exists.
Each month is its own plan
Plans do not roll over automatically, which is intentional — a month you did not think about should not quietly inherit last month's assumptions. Budgets can copy the previous month forward when you want that.
Read next
- What “safe to spend” actually means — The number Lumio exists to keep honest, and what moves it up or down.
- Budgets — Giving individual categories a limit inside the monthly plan.
All help topics
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