Creating and Managing Budgets

Budgets help you plan spending, spot trends, and stay on track. Fiscal Flowcast supports two ways to budget: budget with income split (we suggest lines from your allocation rule) and manual budget (you set each category yourself).

Two ways to budget

Budget with income split (recommended): You set an amount, choose accounts, and pick or create an allocation rule. We suggest budget lines you can tweak.
Manual budget: You add each category or account and set the amount yourself. No split rule—just you and your numbers.

Choose a method and set it up

Not sure how to split your money? See How to choose and set up your budgeting method for an overview and step-by-step guides for 50/30/20, zero-based, envelope, pay yourself first, 60% solution, values-based, manual, and calendar/cash flow.

Track actual vs. planned

Budgets automatically compare your transactions with your plan. Review the dashboard for overages and remaining balances.

Adjust as you go

Reallocate budget amounts when priorities change
Use notes to document why adjustments were made
Review budgets monthly to keep them current

How to choose and set up your budgeting methodChoose the budgeting style that fits you—from simple splits to category-by-category planning—and set it up in a few steps.
Recording TransactionsLearn how to record income, expenses, transfers, and investment transactions.
Setting Financial GoalsDefine and track your financial goals including savings, emergency funds, and major purchases.

Creating and Managing Budgets