Settings

Notifications, on this device

Checking…

One notification a week, Sunday evening, and only when the brief has something in it. It says Your week is ready and carries no figures — a lock screen is readable by anyone holding the phone.

Safe to spend, for this view

Income a month

Savings before spending Bills a month leave blank to use $16.99 Save

How the number is made

Before money is called spare

Held back for irregular bills A full tank of fuel costs about

Only used to tell a fill-up from a snack run at a gas station. If you rarely buy fuel, the app has little to learn from and this is the single most useful thing you can tell it.

Save

The reserve is a stand-in for the irregular-bill fund, which needs more history than most of these accounts have — only the Apple import reaches back far enough to price an annual renewal properly. It is subtracted before any money is offered as spare, so a surprise renewal does not land on a card.

Signing in

Replace my authenticator

For a new phone. Everyone gets signed out, and the old phone's codes stop working.

Shut the door behind us

Once you've both set up a phone, shut this. After that the password alone gets nobody in, ever — a lost phone is fixed from the command line.