Mintly Budget

  Why Make a Budget? When people hear the word budget, they often think it means cutting out everything they enjoy. But a good budget isn’t really about spending less. It’s about knowing what your money needs to do before it’s gone. When you have a clear picture of your income, bills, everyday expenses, and upcoming obligations, financial decisions become much easier. Know Where Your Money Is Going It’s easy for individual purchases to seem small. But over an entire month, groceries, subscriptions, dining out, utilities, loan payments, and other expenses can add up quickly. A budget gives you the complete picture. Instead of wondering where your money went at the end of the month, you can see where it’s going while the month is still happening. Prepare for Bills Before They’re Due Knowing that you have enough money for the month isn’t always enough. Timing matters. You might have plenty of income overall but still have several large bills due before your next paycheck. That’s one r...

  Welcome to Mintly Budget Take Control of Your Cash Flow Managing your money shouldn’t require complicated spreadsheets or leave you wondering where everything went. Mintly Budget is designed to give you a clear picture of your finances throughout the month—not just after the month is over. With Mintly, you can plan your income and expenses, track what’s been paid, see what’s still outstanding, and understand how your cash flow changes week by week.   See Your Month Clearly Mintly gives you one place to: * Plan your month — Add your income, bills, and expected expenses. * Track your bills — See what’s paid and what still needs to be covered. * Follow weekly cash flow — Know where you stand throughout the month, not just at the end. * Understand your spending — Visual reports and category breakdowns show where your money is going. * Prepare for next month — Recurring income and expenses can roll forward automatically.   Know Before You Spend One of the biggest adva...

  Loan Calculator: Know the Real Cost Before You Commit Taking on a loan is one of the biggest financial decisions you’ll make. Whether it’s for a car, personal expense, or anything else, the biggest question isn’t just: “Can I get approved?” It’s: “Can I actually afford this every month?” That’s exactly where Mintly ’s Loan Calculator comes in. See Your Monthly Payment Instantly The most important number in any loan isn’t the total—it’s the monthly payment . With just a few inputs: Loan amount Interest rate Term (years) You immediately see: Your base monthly payment Your total monthly obligation (including extra payments) This gives you a clear answer to the question: “What will this cost me every month?” Why Monthly Payment Matters A loan might look affordable on paper—but your budget tells the real story. When you know your monthly payment, you can: Compare it directly against your income See how it fits alongside rent, groceries, and bills Avoid overcom...

  Reports: See Exactly Where Your Money Goes Once you’ve added your income and expenses, Mintly gives you something most budgeting tools miss: Clarity. The Reports section is where everything comes together. Instead of guessing or scanning through transactions, you can instantly see how your money is being used—and how much you’re keeping. There are two key reports that make this possible. 1. Expenses by Category This report answers a simple but powerful question: Where is my money going? What it shows A visual breakdown of your spending by category A list of each category with: Total amount spent Percentage of your income For example, you might see: Housing taking up 37% Groceries at 12% Subscriptions at 2% Why it matters Most people underestimate certain categories—especially recurring or small expenses. This report helps you: Spot your biggest costs immediately Identify areas to cut back Understand your spending habits at a glance Instead of looking at doze...

  Step 2: Add Your Income and Expenses (Bring Your Budget to Life) Now that your categories are set up, it’s time for the most important step: Adding your income and expenses. This is where your budget stops being a plan and becomes something real. Start With the Current Month (or Go Back) You can begin with: The current month to get immediate clarity, or A previous month if you want to understand your recent spending patterns Starting with the current month is usually the fastest way to feel in control right away. But if things have felt off financially, going back a month can help you see exactly where things went wrong. Why This Step Matters This step gives you a complete picture of your money: What you earn What you owe When everything is due What’s already paid What’s still coming Without this, your budget is just an outline. With it, you can finally answer: “Where do I actually stand?” Set Up Your Recurring Transactions Once Many of your financial activ...

Step 1: Set Up Your Categories (The Foundation of Your Budget) Now that you’ve started planning your budget, the next step is simple—but incredibly important: Create or select your categories. Categories are what organize your money. Every dollar you earn or spend will fall into one of them, so getting this step right sets the foundation for everything that comes next. Why Categories Matter Your budget is only as clear as the structure behind it. Without categories, your transactions are just a list of numbers. But with categories, you can start to answer questions like: Where is my money actually going? How much am I spending on essentials vs extras? Which areas are getting out of control? Categories turn raw data into insight. Choose From Default Categories (Fastest Option) To make things easy, Mintly gives you a list of default categories you can select from during setup. These are based on common real-life expenses and income sources, such as: Income: Salary, Bonus, Side Hustle H...