Your spending, in your own words
Every category is named by you and carries the emoji you picked. Keep a short flat list, or open Food & Drinks into Groceries, Restaurants and Coffee and see each one on its own.
Somebody else’s categories never quite fit
Most money apps arrive with forty of them, named by a stranger. Is the gym Health, Sport or Personal Care? Is lunch at work Food, Dining or Work? You pick one, then a different one next week, and by March the chart is describing your filing habits.
The rest goes into Other, which is where every question about your spending ends up unanswered.
Name them yourself and every row in the list means something to the one person reading it.
Start with fifteen. Keep the ones you use.
Sign-up shows fifteen common ones to tick, so the list isn't empty on the first day. Every one of them can be renamed, given another emoji or deleted, and anything you add after that is yours from the start.
- Haircut
- Clothes
- Going Out (picked)
- Phone (picked)
- Subscriptions (picked)
- House
- Gifts
- Rent (picked)
- Medicine
- Cigarette
- Taxi
- Groceries (picked)
- Utilities (picked)
- Faculty
- Shopping
Six picked here. “No worries, you can always change the categories later,” says the screen, and it means it: they’re ordinary categories from the moment they’re created.
Four levels, one branch at a time
On Pro a category can hold subcategories, and those can hold theirs, four levels down. Each card says how many it holds and opens only when you tap it, so a deep tree still reads as a short list.
- 1HealthWhat the spending chart shows
- 2GymOne of two things inside it
- 3ClassesWhen the gym bill needs splitting
- 4YogaThe limit — nothing nests under this
Most people never go past two. The point of four is that you never hit a wall halfway through organising something.
Where your words come back to you
A category isn't a label you fill in and forget. It's how the month is broken down everywhere you look at it.
- The spending chart
- Monthly Spending on the home screen is a ring of your categories — Rent, Groceries, Restaurants — each with what it came to.
- The transaction list
- Filter by category, down to a single subcategory, and the list shows only what landed there.
- The budget
- Give a category its own share of the monthly limit, and watch that share fill separately.
- Analytics
- Every category with what it came to, and a filter to look at one on its own.
What happens when you take one away
Deleting is the one thing you can't take back, so the app says exactly what goes with it. Going back to Free takes nothing away at all.
This category has 3 subcategories. Deleting this category will also delete all its subcategories.
That’s the app’s own wording, shown before Food & Drinks goes, with the number filled in. If you only wanted Coffee gone, delete Coffee.
- Stays
- Your ten oldest top-level categories, exactly as they were.
- Greys out
- Subcategories, and anything past ten. Not deleted — their place in the tree is kept.
- Comes back
- All of it, in the same shape, if you subscribe again.
Ten on Free. Pro opens the tree.
Ten is enough for most people's month. Pro is for when a category starts to need categories of its own.
- Up to ten categories, in a flat list
- Your own names and emoji for every one
- The fifteen starter suggestions at sign-up
- Categories in the chart, the filters and the budget
What people ask before they rename everything
No. Sign-up offers fifteen common ones to tick so you're not starting from a blank list, and every one of them can be renamed, given a different emoji or deleted. Anything you add later is named by you.
Four levels — Health, Gym, Classes, Yoga is as deep as it gets. Each card shows how many direct subcategories it has and opens only the branch you tap.
The app asks first and tells you how many subcategories go with it, because deleting a parent deletes everything nested under it.
Your ten oldest top-level categories stay as they are. Subcategories and anything past ten are greyed out rather than deleted, with their place in the tree kept, and come back if you subscribe again.
Free has up to ten categories in a flat list. Pro has no limit and lets you nest them four levels deep.
Six categories is a fine place to start
Tick the ones that look like your month at sign-up, rename what doesn't, and add the rest as they come up. The list will be yours by the end of the first week.
