Plan your month

The Plan tab is where you give every euro a job for the month.

Switching months

Use the previous/next arrows at the top of Plan to move between months. Each month has its own allocations, so you can plan ahead or look back at how a past month went.

The summary tiles

At the top of the page, four tiles summarize the month:

• Income — money you’ve recorded coming in this month.

• Rollover — unspent (or overspent) money carried over from the previous month.

• Assigned — the total you’ve allocated to categories.

• Unassigned — what’s left to give a job:

  Unassigned = Income + Rollover − Assigned

Unassigned is the number to watch. When it reaches zero, every euro of income has somewhere to go.

Category groups and categories

Categories are organized into groups, each with a color dot.

For each category you see:

• Allocated — the amount you’ve budgeted this month.

• Spent — what’s already gone out against it.

• Open — committed open bills in that category (see Bills) that haven’t been paid yet.

• Free — what’s actually left to spend:

  Free = Allocated − Spent − Open

Assigning money

Tap a category’s allocation to edit it inline — type the new amount and it saves immediately.

Renaming and deleting

Tap a category’s name to rename it. Deleting a category uses the trash icon, but Munto blocks the delete if the category already has transactions attached — move or reassign those first.

Adding categories and groups

Use the add controls on a group to add a new category to it, or add an entirely new group.

Rollover

Whatever’s left unspent (or overspent) in a category at the end of the month carries into the next month automatically — you don’t need to re-budget it manually.

Auto-filled suggested budgets

Munto looks at your spending history and classifies categories as recurring fixed, recurring variable, or occasional. Based on that, it suggests an allocation for each — shown as something like “~€45/time” or “3x/month” next to the category.

These are suggestions, not fixed targets: you can edit any suggested amount, and Munto won’t stop you from budgeting differently than your history suggests.