How do I read the home screen?

The top of the home screen answers one question: how much can you still spend before the cycle ends? Boney starts from the income recorded in the cycle and takes out everything already spent or already planned.

The available amount, with an example

In October, you recorded your $2,400 salary and a $45 refund, so $2,445 of income. You have already spent $1,182, and $245 of expenses are planned before the 31st. The home screen then shows $1,018 available: 2,445 − 1,182 − 245.

Under the amount, the bar and its three figures break the calculation down:

• Spent: what you have already spent since the cycle started;
• Upcoming: the expenses already recorded for the remaining days;
• Forecast: the two added together, which is what the cycle will have cost you if nothing else is added.

When the amount means something else

The word after the amount tells you how to read it:

• available: this is what you have left.
• forecast overspend: your planned expenses will go over your income. With $1,400 of income and a $1,450 forecast, you read “−$50 forecast overspend”.
• already overspent: you have already spent more than the cycle's income, even before counting what is upcoming.
• in tracked expenses: no income is recorded in this cycle. The amount is then the total of your expenses, with nothing to compare it against.

The top of the screen turns orange when the forecast goes above 90% of your income, or above your income. It turns red when you have already spent more than your income.

To get an available amount back, record this month's income: see how to record an income.

What is further down

Scrolling down the home screen, you find:

• an alert when a budget has exceeded its objective, or when your targets are above your income;
• Around today: the week around today. Tap a day to see its expenses, or to add an expense on that date if it has none;
• Reviews: the latest review of a finished cycle. See how to read a review;
• Needs attention: the budgets spending more than usual;
• Major upcoming expenses: the three largest expenses planned before the cycle ends;
• Budgets and Debts: a preview, with See all or Watch more to open the full list.

The alert, Reviews, Needs attention, Major upcoming expenses and Debts only appear when they have something to show.

Good to know

• Until you have created a budget, an income and an expense, the Start guide takes the place of the amount. See the first steps in Boney.
• The cycle starts on the 1st of the month, unless you change its start day. See how the budget cycle works.