Clear answers for your money.
Learn how ReadyCents budgets, accounts, cards, imports, and planning tools work, with the math explained in plain English.
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Start with what looks confusing.Each guide explains what to do, what ReadyCents is calculating, and what to check when something looks off.
How ReadyCents Budgeting Works
The complete guide to zero-based budgeting, Ready to Budget math, overspending, month rollover, and credit cards.
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Topics are grouped by the job you are trying to do, so the page stays easy to scan.
Budget basics
Plan the money you have and understand why the numbers move.
Setting Up Your Budget
Zero-based budgeting, Ready to Budget, envelope goals, and shortcuts that make monthly planning faster.
Credit Cards & Payments
Why card spending uses two buckets, what creates debt, and how payments differ from transfers.
Monthly vs Bi-Weekly Paychecks
Budget the income you have and use three-paycheck months to help get ahead.
Transfers Between Accounts
Move money between accounts you own without treating the same transfer as income or spending.
Accounts & transactions
Keep imports, balances, account signals, and transaction history trustworthy.
Account Sidebar Indicators
Understand when ReadyCents needs you to review, cover, clear, or wait for bank sync.
Bank Sync & Import Timing
How SimpleFIN and Plaid pull balances and transactions, why imports can lag, and where to refresh.
Subaccounts & Round-Ups
Organize savings under an account, sweep round-ups, and move transactions between buckets.
Importing from YNAB & CSV
Bring supported YNAB and bank-export history into ReadyCents with duplicate protection.
Planning & insights
Look ahead, review patterns, and keep important financial records organized.
Calendar & Recurring Transactions
See scheduled money moving in and out over the coming months on one calendar.
Reports & Spending Analysis
Review spending, income, categories, and month-to-month patterns with built-in reports.
Net Worth
Track what you own, what you owe, and how the difference changes over time.
Future Planning
Test what-if expenses across the next six months without changing your real envelopes.
Tax Tracking
Mark transactions for taxes, define tax groups, and review them by fiscal year.
Access & settings
Share safely, choose alerts, use mobile tools, and manage your plan.
Notifications & Alerts
Choose which budget, account, transfer, and summary alerts ReadyCents sends.
Shared Budgets & Roles
Invite people safely, choose their access, manage requests, and transfer ownership.
The Mobile App & Widgets
Learn about mobile budgeting, home-screen widgets, biometric unlock, and push alerts.
Plans & Billing
Compare hosted, Business, and Self-Hosted offers and manage sync capacity.
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