> ## Documentation Index
> Fetch the complete documentation index at: https://help.joinmiyo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Choose a budget mode

> Compare Miyo's simple monthly category limits with advanced envelope budgeting and rollovers to pick the planning style that fits your routine.

Miyo offers two ways to plan spending. Both use your categories, but they answer different questions.

<Columns cols={2}>
  <Card title="Simple" icon="gauge">
    Set monthly category limits and compare spending against them. Choose this when you want a lighter planning routine.
  </Card>

  <Card title="Advanced" icon="layers-3">
    Assign money to envelopes that roll over, organize groups, and create savings envelopes. Choose this when you want to track what remains available.
  </Card>
</Columns>

## How to decide

| If you want to…                                     | Choose       |
| --------------------------------------------------- | ------------ |
| Check whether spending stays below a monthly limit  | **Simple**   |
| Carry unused money into a future month              | **Advanced** |
| Group related envelopes and move money between them | **Advanced** |
| Start planning with minimal setup                   | **Simple**   |

Open **Budget**, choose **Monthly budget**, then use the **Simple** or **Advanced** control. You can also review the mode from relationship settings.

<Warning>
  Switching modes changes how the Budget page represents planned and available money. Review your categories and totals after a change before making financial decisions from the new view.
</Warning>

<Card title="Create and manage a budget" icon="chart-pie" href="/budgets/create-and-manage-budget">
  Turn the mode you chose into a monthly plan.
</Card>