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The monthly budget answers: What does this month’s income need to cover? Miyo keeps category spending and longer-term savings goals in the same planning area without treating them as the same thing.

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Create your first plan

1

Open the current month

Open Plan your money and select Monthly budget. Confirm the month shown in the header.
2

Add required categories first

Add amounts for housing, utilities, minimum debt payments, groceries, transportation, and other commitments you expect this month.
3

Add flexible spending

Plan categories such as dining, shopping, and entertainment after required costs. You can edit an amount when priorities change.
4

Review unbudgeted spending

Check Spent without a budget. Add a budget where the spending is expected, or recategorize transactions that landed in the wrong place.
5

Check the full plan

Compare planned categories, goals, and estimated income. A plan can be mathematically complete and still need adjustment if income or bills are stale.

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Move between months

Use the month arrows in the header. Miyo lets you plan up to one month ahead. When the new month begins, you can copy the previous month’s budget amounts instead of rebuilding every category.
Copying a month copies planned amounts, not the meaning of recent spending. Review one-time bills, seasonal expenses, and changed income before keeping the copied plan.

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Simple and Advanced modes

Use category amounts and spending progress with fewer planning controls. This is the default and fits a straightforward monthly plan.

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When the numbers do not reconcile

  1. Filter Transactions to Uncategorized.
  2. Check transfers that may be recorded as expenses.
  3. Confirm the selected month and timezone.
  4. Review manual account activity you have not entered yet.
  5. Check for a linked institution with a sync error.

Use category targets

Add a repeatable funding rule or save toward an amount by a date when targets are available.