Budget

Budgeting #

Flexible budgeting tools to plan ahead and stay in control:

• Create Budgets by Category: Assign an amount and an optional end date to each budgeted category.
• Add Custom Categories: Easily introduce new categories tailored to your financial needs.
• Long-Term Budgeting: Set budgets for the next 12 months or automatically pre-fill using data from the previous 12 months.
• One-Time Monthly Budgets: Define one-time budgets for each month across the upcoming year for dynamic financial planning.

User Journey: Add a Budget #

Goal: Allow users to create a new budget by selecting a category, entering an amount, and selecting an end date.

Entry Point: #

• User navigates to the “Budget” tab
• Clicks the “+ Add Budget” button
  

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Steps: #

1. User clicks “Add Budget”
   • A modal or new screen appears with the Add Budget Form
     
2. User fills out the form fields:
3. User reviews and submits
   • Clicks “Save Budget” or “Add Budget”
   • System validates required fields and shows confirmation
     
4. System saves the budget
   • Adds to the list of budgeted categories
   • Updates the budget overview, progress bars, and income vs. expenses graph

User Journey: View Income vs. Expenses Graph #

Goal: Allow users to visually compare their income and expenses over time, helping them track financial balance and spending habits.

Entry Point: #

• User navigates to the “Budget” tab from main navigation

Steps: #

1. User opens the Budget tab
   • Overview of budgets is displayed
   • A chart section labeled “Income vs Expenses” is visible
     
     
2. System displays a bar graph
   • X-axis: Time (e.g., by month: Jan, Feb, Mar…)
   • Y-axis: Amount ($)
   • Two bars per period:
     • Income (Green)
     • Expenses (Blue)

User Journey: Enter Budget for Next 12 Months #

Goal: Allow users to plan monthly budgets ahead for an entire year at once or separately for each month, either manually or using autofill from past data.

Entry Point: #

• User navigates to “Budget” tab
• Shows up “Enter Budget for Next 12 Months” form
  

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Steps: #

1. User is shown a 12-month input table (By Default Monthly):
   • Each month’s budget field is editable
2. User is shown a one input (When One-Time)
   • Fix budget for each month (Next One Year)
3. User fills in monthly amounts manually
   • OR clicks “Autofill from last 12 months”
     → System fetches values based on past transactions
4. User clicks “Save Budget”
   • System validates input
   • Saves budget plan for each month.

User Journey: Hide a Category from Income vs. Expenses Graph #

Goal: Allow users to exclude one or more unbudget categories from the Income vs. Expenses graph to focus on specific data or clean up the view.

Entry Point: #

• User navigates to the “Budget” tab
  

Steps: #

1. User sees a list of categories with checkboxes:
   • All are selected (✓) by default
2. User unchecks one or more categories
   • E.g., unchecks “Entertainment” and “Subscriptions”
     note: “Unselected categories will not be shown in the graph”
3. System immediately updates the graph
   • Removes data for deselected categories
   • Recalculates income and expense totals shown
4. User can reselect categories anytime
   • Changes are reflected live on the graph

User Journey: View Budgeted Categories #

Goal: Allow the user to see a clear breakdown of all budgeted categories, including how much they’ve planned to spend, how much they’ve already spent, and what remains.

Entry Point: #

• User navigates to the “Budget Categories” tab
  

Steps: #

1. User opens the Budget Categories tab
   • Budget Overview screen loads automatically
   • Display includes a list or card layout of all budgeted categories
2. User sees the following data for each category:
   • Total Budgeted: Amount user has allocated for the month (or selected period)
   • Used: Amount already spent, based on categorized transactions
   • Left: Remaining budget (Total – Used)
   • Progress bar: Visual representation of how much is used vs left
3. User can filter or sort:
   • Sort by highest spent, lowest left, or category name
     
     
   • Filter by this month, last month, last three months, last six months, last year, and this year.
     
     
4. User can click a category
   • Opens a detailed view with individual transactions that contribute to the total used
5. User can click on the Three Dots
   • User can edit/delete the Budget