What the Planning tool is for

The Planning tool lets you decide where your money is going before you spend it. Switch your dashboard's Overview tab from Tracking to Planning and you'll see a draft budget for the current cycle — one that never touches your real transactions until you say so.

How a plan is built

Finlo seeds your plan automatically from what it already knows about you: your bills, debts, credit cards, savings and investment goals. From there you can:

• Set a planned amount for each debt or card — minimum payment or a custom amount for debts; pay-in-full or a custom amount for cards.
• Turn savings and investment goals on or off for this cycle, and reorder them by priority.
• Add extras — one-off planned spends that aren't tied to any bill or debt, like a birthday gift or a weekend trip. Give it a name, an amount, and optionally a category.

Reading the numbers

As you build the plan, Finlo shows a live Projected Free number — what's left of your income after everything you've planned. An allocation bar breaks down where each peso or dollar is headed by category. If your plan spends more than you expect to earn, a trim suggestions card points out the largest optional extras and goals you could disable to close the gap.

Nothing happens until you say so

A plan is just a draft — nothing here becomes a real expense until you mark it as spent. When a planned extra actually happens, confirm it and Finlo creates the matching transaction for you. Your plan autosaves as you work, and you can always hit Reset to seed it fresh from your current bills, debts, and cards.