Set up your personal planner

Open the planner and review your current setup

Start on the Planner page to review your current summary, health score, available money, and alerts. Open Planner Settings when you want to add or update the income sources and fixed expenses the planner uses.

1. Open Planner.
2. Review the summary cards for health, available money, and fixed costs.
3. Select Settings to open Planner Settings.Planner Settings

Use Planner Settings to manage saved planner inputs

Planner Settings is where you manage the saved inputs that drive your planner totals. If a previous settings change is still pending, review that original request first instead of starting a new one.

1. Open Planner Settings.Planner Settings
2. If you see a notice about a saved or pending request, select Check original request before making another change.Check original request
3. If the original request was a removal, you can continue it with Retry original removal when that button is shown.Retry original removal

Add income sources

Income sources are the payers the planner uses to estimate money coming in this month. Add the payer name and your expected amount.

1. On Planner Settings, go to Income Sources.Planner Settings
2. Enter a Payer Name.Payer Name
3. Enter an Amount greater than 0.Amount
4. Select Add.Add

After the save succeeds, the new income source appears in your saved income source list.

Add fixed expenses

Fixed expenses are the regular bills or recurring costs you want the planner to count each month. Use the payee name, amount, and frequency that matches the bill cycle.

1. On Planner Settings, go to Fixed Expenses.Planner Settings
2. Enter a Payee Name.Payee Name
3. Enter an Amount greater than 0.Amount
4. Choose the Frequency that matches the bill.Frequency
5. Select Add.Add

If a suggestion appears, it can come from a subscription or recurring debit activity. Choosing it only fills the form; it is not saved until you select Add.

Choose your rollover strategy

Rollover controls what happens to unspent basket funds at the end of the month. This is a planner setting, not a bank transfer.

1. In Planner Settings, go to Rollover Strategy.Planner Settings
2. Choose Carry Forward, Redistribute, or Release to Available.
3. Select Save Settings.Save Settings

• Carry Forward keeps unspent amounts with the same basket next month.
• Redistribute spreads unspent amounts across other active baskets.
• Release to Available returns unspent amounts to your available-to-spend balance.

Saving settings marks planner setup as complete. If the save does not go through, your previous setting stays in place.

Add a savings basket to the planner

Savings baskets are the goals you want to track in the planner. From the Planner page, add an existing basket so it shows up in your savings basket list.

1. On the Planner page, select Add Basket.Add Basket
2. In the modal, review the eligible baskets that are not already in the planner or completed list.
3. Select Add next to the basket you want.Add

After a successful add, the planner refreshes and the basket appears in your savings basket section.

Set or update a basket goal

A basket goal stores the amount you want to reach and, if available, a target date. You can also set an icon, a monthly contribution target, and a note.

1. Open the basket card for the basket you want to edit.
2. Enter or update the target amount.
3. Add a target date if you want the planner to estimate timing.
4. Set any optional fields you need.
5. Save the goal.

Use simulation and rollover carefully

The Planner page includes simulation mode and a rollover preview. Simulation is for what-if planning only, and rollover preview shows the expected month-end effect before you execute it.

1. Select Simulate if you want to test different basket targets without saving them.Simulate
2. Select Run Simulation to see hypothetical planner results.Run Simulation
3. Select Rollover to preview month-end rollover results.Rollover
4. If you proceed, review the confirmation text carefully before selecting Confirm Execute.Confirm Execute

Understand the planner totals

The planner summary combines real current account balances with planning estimates. Available money is a planner estimate, not a bank snapshot, and it can change based on expected income, remaining fixed costs, and remaining basket needs.

• Available money is the planner’s estimate of what is left after it considers real balances and planned obligations.
• Your current workspace role and settings control what you can see and change.
• Bank balances and planner totals are not the same thing; the planner may include expected income and planned outflows that are not yet settled in the bank.

When you review the summary, treat it as the planner’s current estimate rather than a confirmed result for future money. If a value is zero, the planner calculated zero; if a field is unavailable, the data or feature was not returned.

If something does not work

• If you do not see Planner Settings, your current workspace may not have the needed planner access or feature availability.
• If Add, Save Settings, or another change fails, correct the visible fields and try again after the error clears.
• If a basket or source does not appear, make sure it is not already in the planner or already completed.
• If a planner total looks unexpected, check whether your income, fixed expenses, and basket goals match your current month.

If the planner still does not behave as expected after you correct the visible inputs, reload the page and review the current summary before making another change.