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You can start using Miyo by yourself. A household and bank connection are optional, so choose the setup that matches how you want to work today.

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Before you begin

You need a Miyo account and access to the email address you used to sign up. If you plan to import data, also have either a CSV export from your bank or a supported YNAB export ready.
1

Choose how you use Miyo

During setup, choose On my own for a private individual workspace or With a partner / household when you plan to collaborate.You can review this choice later from your household settings.
2

Add your first financial account

Open Accounts, then choose one path:
  • Connect Bank to link an available institution through Plaid.
  • Import CSV to create an account and upload transactions from a file.
  • Open YNAB import to bring in a supported YNAB export.
  • Add manually to track an account without a bank connection.
See Choose how to add your data if you are unsure.
3

Check the account balance

Confirm that the balance and account type match your financial institution. Edit a manual account if its starting balance is wrong.
A linked balance can be delayed by the institution or data provider. Use your bank as the source of truth for time-sensitive decisions.
4

Review and categorize transactions

Open Transactions. Search for recent activity, assign categories to uncategorized items, and correct any transfer, income, refund, or expense that is classified incorrectly.
5

Create your monthly budget

Open Budget, select Monthly budget, and choose the mode that matches the structure you want:
  • Simple uses monthly category limits.
  • Advanced uses rollover envelopes, groups, and savings envelopes.
Add amounts for the categories you want to plan. Start with required bills and everyday spending; you can refine the plan later.
6

Add a savings goal

Switch to Savings goals and create a goal for a longer-term priority such as an emergency fund or vacation. New goals start at $0, so record any amount you already saved as a contribution after creating the goal.
7

Review privacy before sharing

Stay solo, or open Settings → Household to invite a partner. Joining a household does not make every account visible automatically. Open Privacy and review every account’s visibility before relying on household totals.
Your setup is useful when your account totals look reasonable, recent transactions have categories, and the current month has a plan you understand.

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Keep your plan current

  • Review new transactions at least once a week.
  • Check linked-account errors before relying on a balance.
  • Update manual account balances when statements arrive.
  • Revisit your monthly budget when income or bills change.

Learn the dashboard

Find the main areas for accounts, activity, planning, privacy, and settings.

Compare budget modes

Choose between Simple monthly limits and Advanced rollover envelopes.

Set up a household

Invite another person and understand what changes after they join.