Japanese

About {day} a day, {month} a month at its rate.

What interest would cost if the card carried its balance (it doesn't now). · Dashboard: a credit card's page

If it carried a balance

A collapsed line that opens what interest would cost if the card carried its balance. · Dashboard: a credit card's page

No interest while you pay it in full

Under the interest fact on a card paid in full every month. · Dashboard: a credit card's page

Interest

Label of the interest fact on a credit card's page. · Dashboard: a credit card's page

None

The interest fact on a card paid in full every month. · Dashboard: a credit card's page

{count, plural, one {# subscription} other {# subscriptions}}, {monthly} a month

Quiet line under an account in the accounts list: how many subscriptions charge it and what they cost a month. · Dashboard and iOS: Accounts list

{amount} a month on average

Fact under the monthly usage chart: the average a month subscriptions charged the account over the last year. · Dashboard and iOS: an account's page, Subscriptions section

By subscription per month

Collapsed section under the monthly usage chart: a table of each subscription's charges per month. · Dashboard and iOS: an account's page, Subscriptions section

Charged

Legend of the monthly usage chart: bars for amounts subscriptions actually charged (from transactions). · Dashboard and iOS: an account's page, Subscriptions section

Subscription charges per month from {first} to {last}

Screen reader description of the monthly usage bar chart. · Dashboard and iOS: an account's page, Subscriptions section

Subscription

Column heading in the by subscription per month table: the subscription's name. · Dashboard and iOS: an account's page, Subscriptions section

Total

Column heading in the by subscription per month table: the subscription's total over the months shown. · Dashboard and iOS: an account's page, Subscriptions section

Expected

Legend and label in the monthly usage chart: an amount that was scheduled, for a month with no transactions on the account. Not a confirmed charge. · Dashboard and iOS: an account's page, Subscriptions section

Months with no transactions on this account show what was scheduled, marked expected.

Note under the monthly usage chart when some months are scheduled amounts rather than real charges. · Dashboard and iOS: an account's page, Subscriptions section

{count, plural, one {# subscription is paid from this account} other {# subscriptions are paid from this account}}: {monthly} a month, {yearly} a year.

The one-line answer at the top of a bank account's Subscriptions section (checking, savings, cash): how many subscriptions are paid from it and what they cost. · Dashboard and iOS: an account's page, Subscriptions section (bank accounts)

{count, plural, one {# subscription charges this card} other {# subscriptions charge this card}}: {monthly} a month, {yearly} a year.

The one-line answer at the top of a credit card's Subscriptions section: how many subscriptions charge the card and what they cost. · Dashboard and iOS: an account's page, Subscriptions section (credit cards)

No subscriptions charge this account right now.

Shown at the top of an account's Subscriptions section when subscriptions charged it in the past but none do now (all cancelled or moved). · Dashboard and iOS: an account's page, Subscriptions section

{count, plural, one {Plus # free trial.} other {Plus # free trials.}}

Added after the one-line answer at the top of an account's Subscriptions section when free trials also charge the account; trials aren't in the count or totals before it. · Dashboard and iOS: an account's page, Subscriptions section

Open in Subscriptions

Link from an account's Subscriptions section to the Subscriptions page filtered to this account. · Dashboard and iOS: an account's page, Subscriptions section

{month} so far

Label of the current month in the monthly usage chart: the month isn't over yet. · Dashboard and iOS: an account's page, Subscriptions section

Subscriptions

Heading of the section on an account's page listing the subscriptions that charge this account. · Dashboard and iOS: an account's page, Subscriptions section

What subscriptions charged this account each month.

Explains the monthly usage chart. · Dashboard and iOS: an account's page, Subscriptions section

Monthly usage

Heading of the bar chart of what subscriptions charged an account each month. · Dashboard and iOS: an account's page, Subscriptions section

{amount} less than {month} last year

Fact under the monthly usage chart: last month cost this much less than the same month a year before. · Dashboard and iOS: an account's page, Subscriptions section

{amount} more than {month} last year

Fact under the monthly usage chart: last month cost this much more than the same month a year before. · Dashboard and iOS: an account's page, Subscriptions section

The same as {month} last year

Fact under the monthly usage chart: last month cost the same as the same month a year before. · Dashboard and iOS: an account's page, Subscriptions section

Moved to {date}. It's on your calendar until then and changes your balance that day.

Message shown after someone changes a transaction's date to a day after today: it comes off their history and balance and shows on the calendar on that day instead. {date} is the new day. · Dashboard and iOS: Edit transaction (Activity, Calendar)

{amount} a month

A monthly amount. · Dashboard: Next step confirm sheet

{count, plural, one {# thing to do, in this order} other {# things to do, in this order}}

The advisor's answer line: how many steps. · Dashboard: Money, Next steps

Hidden until it changes

Toast after Not now on a step. · Dashboard: Next steps

Turn on autopay in full

Button on a step that sets a card's autopay to the full statement. · Dashboard: Next steps

Set the buffer

Button on a step that sets the checking buffer. · Dashboard: Next steps

See what to cut

Link on the advisor's step for a short month: opens Free up money (cancel, lower, spend less). · Dashboard: Today, Money and Debts, Next steps

Mark paid

Button on an overdue step. · Dashboard: Next steps

Move it

Button on a step that moves savings to a card. · Dashboard: Today, Money and Debts, Next steps

Pay it off

Button on a step that pays a debt off. · Dashboard: Next steps

Switch the card

Button on the advisor's step that pays the categories with a card paid in full instead of one carrying a balance. · Dashboard: Next steps

Pay it

Button on a step that pays money into an account. · Dashboard: Next steps

Use debit for now

Button on the advisor's step that pays the categories with debit until the card is paid in full. · Dashboard: Next steps

Done. Your plan is updated.

Toast after a step's action. · Dashboard: Next steps

Amount

Confirm sheet row. · Dashboard: Next step confirm sheet

Frees

Confirm sheet row: monthly money a payoff gives back. · Dashboard: Next step confirm sheet

From

Confirm sheet row: the account money comes from. · Dashboard: Next step confirm sheet

Stays in savings

Confirm sheet row: what savings keep after a move. · Dashboard: Next step confirm sheet

Saves in interest

Confirm sheet row. · Dashboard: Next step confirm sheet

To

Confirm sheet row: the account or debt it goes to. · Dashboard: Next step confirm sheet

Savings never go below {amount}.

The savings floor the advisor keeps. · Dashboard: Money, Next steps details

The advisor never suggests moving savings below this. By default it's a month of Required, or your emergency fund's target when that's held in the same account.

Explains the savings floor. · Dashboard: Money, Savings floor sheet

Change

Link that opens the savings floor. · Dashboard: Money, Next steps details

Use the default

Button: go back to the default savings floor. · Dashboard: Money, Savings floor sheet

Savings floor saved

Toast after saving the floor. · Dashboard: Money

Savings floor

Sheet title and field: the least savings the advisor keeps. · Dashboard: Money, Savings floor sheet

Steps come from plain rules, in order: anything overdue, a buffer in checking, the emergency fund's starter, savings above your floor to cards charging interest, then what your payoff plan pays off next. When the month is short, closing the gap comes first and the rest waits. Vaults and emergency-only accounts are never used.

How the advisor works, in the section's details. · Dashboard: Money, Next steps details

Nothing to do right now

The advisor's answer line with no steps. · Dashboard: Money, Next steps

Your plan is on track. New steps show up here when something changes.

Under the advisor with no steps. · Dashboard: Money, Next steps

Not now

Hides a step until it changes. · Dashboard: Next steps

One thing to do

The advisor's answer line with one step. · Dashboard: Money, Next steps

Open

Link on a step without a one-tap action. · Dashboard: Next steps

Budvo records it here. Make the same payment or transfer at your bank if it doesn't happen on its own.

Under a step's confirm sheet: Budvo doesn't move real money. · Dashboard: Next step confirm sheet

Next steps

The advisor's section title: what to do next, in order. · Dashboard: Money and Debts

Your money, on your server.

Footer line under the sign-in, unlock and setup cards. Budvo's slogan. · Dashboard: sign-in, unlock and setup pages (footer)

Database password

Label of the field where the owner types the database password to unlock the server. · Dashboard: /unlock; iOS: Unlock screen

Budvo is locked

Heading of the unlock page. The server restarted and its encrypted database is locked. · Dashboard: /unlock (heading)

Recovery key

Label of the field for the recovery key (a long code of letters and digits) used instead of the password. · Dashboard: /unlock; iOS: Unlock screen

Unlock

Button that unlocks the server's database. A verb. · Dashboard: /unlock; iOS: Unlock screen (main button)

The server restarted, so your data is encrypted until you unlock it.

Explains why the server is locked: it restarted and the data stays encrypted until someone unlocks it. · Dashboard: /unlock; iOS: Unlock screen (under the heading)

Unlock the database

Heading of the unlock screen in the iPhone app. · iOS: Unlock screen (heading)

Use the database password instead

Link that switches back from the recovery key to the database password. · Dashboard: /unlock; iOS: Unlock screen

Use your recovery key instead

Link that switches from the database password to the recovery key. · Dashboard: /unlock; iOS: Unlock screen

Extra to {name}

A day's item on the calendar: an extra debt payment the payoff plan makes from that paycheck. · Dashboard and iOS: Calendar, a day's items

One-time payment to {name}

A day's item on the calendar: part of the payoff plan's one-time amount. · Dashboard and iOS: Calendar, a day's items

From your payoff plan

Quiet note under the payoff plan's items on the calendar. · Dashboard and iOS: Calendar, a day's items

{name} paid off, frees {amount} a month

A day's item on the calendar: the day the plan pays a debt off. · Dashboard and iOS: Calendar, a day's items

Lower {name} to {amount} from {date}, +{monthly} a month

What if chip: a bill lowered from a date and what it frees a month. · Dashboard: Calendar, What if

Lower to {amount} from {date}, +{monthly} a month

What if row: a bill lowered from a date. · iOS: Calendar, What if

Lower this bill from that day and log it in Lower your bills

Tooltip of Make it real on a lowered-bill What if chip. · Dashboard: Calendar, What if

Where these rates come from

Toggle that opens where the card's rates come from. · Dashboard: a credit card's page, Card benefits

Check for a newer catalog once a day

Toggle: check the website for a newer card catalog. · Dashboard: Settings, This server, Card catalog

Only the catalog is downloaded, and only when its signature checks out. Nothing about you or your accounts is sent.

Hint under the automatic catalog check toggle. · Dashboard: Settings, This server, Card catalog

Check now

Button: check the website for a newer card catalog. · Dashboard: Settings, This server, Card catalog

Last checked {date}.

When the server last checked the website for a newer catalog. · Dashboard: Settings, This server, Card catalog

The card catalog is up to date

Toast when there's no newer card catalog. · Dashboard: Settings, This server, Card catalog

See the catalog and corrections

Link to the card catalog on the Budvo website. · Dashboard: Settings, This server, Card catalog

Version {version}, {count} cards, rates as of {date} ({source, select, builtin {the copy that came with Budvo} other {from the Budvo website}}).

Which card catalog this server uses. · Dashboard: Settings, This server, Card catalog

Card catalog

Section title for the card catalog on the server settings. · Dashboard: Settings, This server, Card catalog

Card catalog updated to version {version}

Toast after a newer card catalog was installed. · Dashboard: Settings, This server, Card catalog

No rewards while it carries a balance

Answer line when the card carries a balance (interest costs more than rewards). · Dashboard: a credit card's page, Card benefits

Earning about {amount} a month

Answer line: what the card earns a month. · Dashboard: a credit card's page, Card benefits

Add this card's rewards to see what it earns

Answer line when the card has no reward rates yet. · Dashboard: a credit card's page, Card benefits

Pay with it for a category to see what it earns

Answer line when nothing is paid with the card yet. · Dashboard: a credit card's page, Card benefits

Best

Badge on the best card in a list. · Dashboard: Which card, Pay with

Apple Pay at select stores

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Category you choose

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Everyday category you choose

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Dining

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Drugstores

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Entertainment

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

EV charging

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Everything else

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Flights

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Foreign currency

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Gas

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Groceries

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Home improvement

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Hotels

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Online groceries

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Online shopping

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Phone and internet

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Recurring bills

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Rotating categories

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Streaming

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Your top category

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Transit and rideshare

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Travel

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Travel booked with the issuer

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Utilities

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Warehouse clubs

A reward category issuers use (what a purchase counts as for card rewards). · Dashboard: card rates, Pay with, Which card

Rates for {name} from the issuer's pages, as of {date}.

Where the card's rates come from. · Dashboard: a credit card's page, Card benefits

These are your own rates: this card isn't from Budvo's catalog.

Note for a custom card. · Dashboard: a credit card's page, Card benefits

Rewards are estimates: the issuer decides by the store's category code, and its terms win. Not financial advice.

Disclaimer under the card's rates. · Dashboard: a credit card's page, Card benefits

Rates may be out of date: check your card's terms

Said for a catalog card whose rates Budvo is least sure of (low confidence). · Dashboard: a credit card's page, Card benefits and Pick your card

Check the details

Badge on a catalog card whose details are partly confirmed. · Dashboard: a credit card's page, Card benefits

A point is counted at {cents} cents, a cautious cash value. Set your own in the card's details.

Note when the program's point value is a guess. · Dashboard: a credit card's page, Card benefits

Points can be worth more (about {cents} cents) if you transfer them to travel partners; Budvo doesn't count on it.

Note about what points can be worth when transferred. · Dashboard: a credit card's page, Card benefits

May be out of date

Badge on a catalog card checked more than 120 days ago. · Dashboard: a credit card's page, Card benefits

Change

Link to change the categories paid with the card. · Dashboard: a credit card's page, Card benefits

With Apple Pay

A rate that only counts when paying with Apple Pay. · Dashboard: a credit card's page, Card benefits

Booked directly

A rate that only counts when booked directly with the airline or hotel. · Dashboard: a credit card's page, Card benefits

With the physical card

A rate that only counts when paying with the physical card. · Dashboard: a credit card's page, Card benefits

Booked through the issuer

A rate that only counts when booked through the issuer's travel site. · Dashboard: a credit card's page, Card benefits

Budvo checks it against the source and updates the catalog for everyone.

What happens to a correction. · Dashboard: a credit card's page, Card benefits

Pick a category

Placeholder option of the category select in the correction sheet. · Dashboard: a credit card's page, Card benefits

Suggest a correction

Button to suggest a fix to the card catalog. · Dashboard: a credit card's page, Card benefits

What Budvo says

Label: what the catalog says now. · Dashboard: a credit card's page, Card benefits

The annual fee

Correction kind. · Dashboard: a credit card's page, Card benefits

The network

Correction kind. · Dashboard: a credit card's page, Card benefits

Something else

Correction kind. · Dashboard: a credit card's page, Card benefits

A reward rate

Correction kind. · Dashboard: a credit card's page, Card benefits

Rotating categories

Correction kind. · Dashboard: a credit card's page, Card benefits

Note (optional)

Label: an optional note. · Dashboard: a credit card's page, Card benefits

Only the card's terms and your link are sent to the Budvo website: never your accounts, balances or card number.

Privacy note in the correction sheet. · Dashboard: a credit card's page, Card benefits

What it should be

Label: the corrected value. · Dashboard: a credit card's page, Card benefits

Send

Button: send the correction. · Dashboard: a credit card's page, Card benefits

Thanks. Budvo will review it.

Toast after a correction was sent. · Dashboard: a credit card's page, Card benefits

Where it says so

Label: the source link. · Dashboard: a credit card's page, Card benefits

A link to the issuer's page is best.

Hint under the source link. · Dashboard: a credit card's page, Card benefits

Suggest a correction to {name}

Title of the correction sheet. · Dashboard: a credit card's page, Card benefits

What's wrong

Label: the kind of correction. · Dashboard: a credit card's page, Card benefits

Counts as

Label: the reward category a spending category counts as. · Dashboard: Money, a category's settings (Pay with)

Issuers decide by the store, so Costco counts as a warehouse club, not groceries. Budvo splits those out from your spending.

Hint under Counts as. · Dashboard: Money, a category's settings (Pay with)

I usually pay with Apple Pay

Toggle: rates that need Apple Pay count. · Dashboard: a credit card's page, Card benefits

Some cards earn more with Apple Pay (Apple Card's 2%).

Hint under the Apple Pay toggle. · Dashboard: a credit card's page, Card benefits

Those digits are a {network} {type} card from {issuer}.

What the first 6 digits say about the card. · Dashboard: a credit card's page, Card benefits

Card color

Label: the color of the generated card face. · Dashboard: a credit card's page, Card benefits

Another color

Accessible name of the custom color picker. · Dashboard: a credit card's page, Card benefits

What a point is worth (cents)

Label: the cash value of one reward point. · Dashboard: a credit card's page, Card benefits

Budvo guesses {cents} cents, a cautious cash value. Set what you usually get.

Hint under the point value when it's a guess. · Dashboard: a credit card's page, Card benefits

1% of cash back

What a cash back unit is, in the point value hint. · Dashboard: a credit card's page, Card benefits

Budvo counts {unit} at {cents} cents unless you change it.

Hint under the point value. · Dashboard: a credit card's page, Card benefits

a point

What a points unit is, in the point value hint. · Dashboard: a credit card's page, Card benefits

Details

Button that opens the card's details (point value, digits, color, photo). · Dashboard: a credit card's page, Card benefits

First 6 digits (optional)

Label: the first 6 digits of the card number. · Dashboard: a credit card's page, Card benefits

Helps Budvo tell the bank and network. Never the full number.

Hint under the first 6 digits. · Dashboard: a credit card's page, Card benefits

Last 4 digits

Label: the last 4 digits. · Dashboard: a credit card's page, Card benefits

Card details saved

Toast after saving the card's details. · Dashboard: a credit card's page, Card benefits

Card details

Title of the card details sheet. · Dashboard: a credit card's page, Card benefits

Confirm

Button: confirm the suggested card. · Dashboard: a credit card's page, Card benefits

{name} rates added

Toast after picking a card. · Dashboard: a credit card's page, Card benefits

From {from}.

What the suggestion is based on. · Dashboard: a credit card's page, Card benefits

its first 6 digits

Suggestion source: the first 6 digits. · Dashboard: a credit card's page, Card benefits

its name

Suggestion source: the account's name. · Dashboard: a credit card's page, Card benefits

your statement

Suggestion source: the imported statement. · Dashboard: a credit card's page, Card benefits

Pick the card

Button: open the card picker. · Dashboard: a credit card's page, Card benefits

Pick another

Button: pick another card than the suggestion. · Dashboard: a credit card's page, Card benefits

Is this {name}?

Budvo's suggestion of which card this is. · Dashboard: a credit card's page, Card benefits

Which card is this? Pick it to see what it earns.

Prompt when Budvo has no suggestion. · Dashboard: a credit card's page, Card benefits

{n}%

A cash back rate, for example 6%. · Dashboard: card rates

{n}x

A points rate, for example 3x. · Dashboard: card rates

Earning about {amount} a month from {category} on {card}

What a category earns on the card it's paid with. · Dashboard: Money, a category's settings (Pay with)

{name} card

Accessible name of a card's face. · Dashboard: card faces

{name} card ending in {last4}

Accessible name of a card's face with its last 4 digits. · Dashboard: card faces

A month

Fact label: rewards a month. · Dashboard: a credit card's page, Card benefits

Projected statement

Fact label: the card's projected monthly statement. · Dashboard: a credit card's page, Card benefits

About {amount} a month, from the budgets paid with it and its usual other purchases

The card's projected statement. · Dashboard: a credit card's page, Card benefits

A year

Fact label: rewards a year. · Dashboard: a credit card's page, Card benefits

Earns {earns}, costs {fee}, net {net}

A year of rewards against the annual fee. · Dashboard: a credit card's page, Card benefits

You said it carries a balance (about {amount} of interest a month), so Budvo counts its rewards as $0 and won't suggest spending on it until it's paid in full.

Why the card earns nothing: the person said it carries a balance. · Dashboard: a credit card's page, Card benefits

Its last statement charged interest, so Budvo counts its rewards as $0 until a statement without interest.

Why the card earns nothing: interest on the last statement. · Dashboard: a credit card's page, Card benefits

A payment is past due, so Budvo counts its rewards as $0. Pay it first.

Why the card earns nothing: a payment past due. · Dashboard: a credit card's page, Card benefits

Interest costs more than rewards.

The interest guard's first sentence. · Dashboard: a credit card's page, Card benefits

Its last statement wasn't paid in full by the due date, so Budvo counts its rewards as $0 until one is.

Why the card earns nothing: the last statement wasn't paid in full by its due date. · Dashboard: a credit card's page, Card benefits

Activate {period}

Line under a card in Accounts: a rotating quarter to activate. · Dashboard: Accounts

No rewards while it carries a balance

Line under a card in Accounts: the interest guard. · Dashboard: Accounts

Earning about {amount} a month

Line under a card in Accounts: what it earns. · Dashboard: Accounts

Is this {name}?

Line under a card in Accounts: Budvo's suggestion. · Dashboard: Accounts

New rates to review

Line under a card in Accounts: the catalog changed the card. · Dashboard: Accounts

Change the budget

Button: change the category's budget. · Dashboard: Money, a category's settings (Pay with)

{amount} a month

The category's budget a month. · Dashboard: Money, a category's settings (Pay with)

{card} carries a balance, so {name} earns nothing worth having on it. Use it only once it's paid in full.

Warning when the category is paid with a card carrying a balance. · Dashboard: Money, a category's settings (Pay with)

Debit or cash

Option: pay the category from checking. · Dashboard: Money, a category's settings (Pay with)

Comes out of checking when you spend

Line under Debit or cash. · Dashboard: Money, a category's settings (Pay with)

No budget set

When the category has no budget. · Dashboard: Money, a category's settings (Pay with)

Add a credit card to pay with it.

When the household has no credit cards. · Dashboard: Money, a category's settings (Pay with)

Add {card}'s rewards on its page to see what this earns.

When the card has no rates yet. · Dashboard: Money, a category's settings (Pay with)

on {card}

Under a budget line: the card it's paid with. · Dashboard: Money, Plan

Carries a balance: about {amount} of interest a month, no rewards

Line under a card option that carries a balance. · Dashboard: Money, a category's settings (Pay with)

Earns about {amount} a month on this

Line under a card option: what it would earn. · Dashboard: Money, a category's settings (Pay with)

No rewards added yet

Line under a card option without rates. · Dashboard: Money, a category's settings (Pay with)

{name} is paid with {card}

Toast after picking the card. · Dashboard: Money, a category's settings (Pay with)

{name} is paid with debit or cash

Toast after picking debit. · Dashboard: Money, a category's settings (Pay with)

Pay with

Label of the card a category is paid with. · Dashboard: Money, a category's settings (Pay with)

a statement

How often a rate's spending cap resets. · Dashboard: card rates

a year

How often a rate's spending cap resets. · Dashboard: card rates

a card year

How often a rate's spending cap resets. · Dashboard: card rates

a month

How often a rate's spending cap resets. · Dashboard: card rates

a quarter

How often a rate's spending cap resets. · Dashboard: card rates

Replaces the card face. It stays on your server, without the photo's location data. Cover the number first.

What happens to a card photo. · Dashboard: a credit card's page, Card benefits

Add a photo

Button: upload a card photo. · Dashboard: a credit card's page, Card benefits

The photo couldn't be saved.

Error when a card photo upload fails. · Dashboard: a credit card's page, Card benefits

Remove

Button: remove the card photo. · Dashboard: a credit card's page, Card benefits

Photo removed

Toast after removing the card photo. · Dashboard: a credit card's page, Card benefits

Replace the photo

Button: upload another card photo. · Dashboard: a credit card's page, Card benefits

Photo saved

Toast after uploading a card photo. · Dashboard: a credit card's page, Card benefits

Photo of your card

Label: the card photo. · Dashboard: a credit card's page, Card benefits

Its rewards are copied to this card. You can change them after, and your changes are kept.

What picking a card does. · Dashboard: a credit card's page, Card benefits

It's not in the list

Option: a custom card. · Dashboard: a credit card's page, Card benefits

Custom card saved: add its rates

Toast after choosing a custom card. · Dashboard: a credit card's page, Card benefits

Enter its rewards yourself (credit unions, store cards)

Line under the custom card option. · Dashboard: a credit card's page, Card benefits

{amount} a year

A card's annual fee in the picker. · Dashboard: a credit card's page, Card benefits

Search cards

Placeholder of the card search. · Dashboard: a credit card's page, Card benefits

Suggested

Badge on cards Budvo suggests. · Dashboard: a credit card's page, Card benefits

Which card is it?

Title of the card picker. · Dashboard: a credit card's page, Card benefits

Your rates always win: when Budvo's catalog changes, it shows you what changed and asks first.

Note at the top of the rates editor. · Dashboard: a credit card's page, Card benefits

Add this card's rewards

Row that opens the rates editor when there are none. · Dashboard: a credit card's page, Card benefits

Add a rate

Button: add a rate. · Dashboard: a credit card's page, Card benefits

Then

Label: the rate after the cap. · Dashboard: a credit card's page, Card benefits

up to {amount} {period}

A rate's cap. · Dashboard: a credit card's page, Card benefits

Up to ($)

Label: the spending cap. · Dashboard: a credit card's page, Card benefits

Category

Label: a rate's category. · Dashboard: a credit card's page, Card benefits

Your chosen categories

Label: the categories chosen for choice rates. · Dashboard: a credit card's page, Card benefits

Some cards let you pick categories (each quarter for some). Budvo counts the ones you pick.

Note about chosen categories. · Dashboard: a credit card's page, Card benefits

Edit rewards

Row that opens the rates editor. · Dashboard: a credit card's page, Card benefits

Your own rates

Under Edit rewards: the person changed the rates. · Dashboard: a credit card's page, Card benefits

From Budvo's card catalog

Under Edit rewards: rates from the catalog. · Dashboard: a credit card's page, Card benefits

No cap

Placeholder when a rate has no cap. · Dashboard: a credit card's page, Card benefits

Per

Label: how often the cap resets. · Dashboard: a credit card's page, Card benefits

Percent

Label: a cash back rate. · Dashboard: a credit card's page, Card benefits

Points per $1

Label: a points rate. · Dashboard: a credit card's page, Card benefits

Rewards saved

Toast after saving the rates. · Dashboard: a credit card's page, Card benefits

Rewards

Title of the rates editor. · Dashboard: a credit card's page, Card benefits

I activated it

Button: mark the quarter activated (done at the issuer). · Dashboard: a credit card's page, Card benefits

Activate by {date}

Badge: the activation deadline. · Dashboard: a credit card's page, Card benefits

Activated

Badge: the quarter is activated. · Dashboard: a credit card's page, Card benefits

{earn} on {categories}.

What the rotating quarter covers. · Dashboard: a credit card's page, Card benefits

Marked activated

Toast after marking a quarter activated. · Dashboard: a credit card's page, Card benefits

Change categories

Button: edit the quarter's categories. · Dashboard: a credit card's page, Card benefits

Pick the categories the issuer lists for this quarter.

Note in the quarter editor. · Dashboard: a credit card's page, Card benefits

Not activated

Button: undo marking the quarter activated. · Dashboard: a credit card's page, Card benefits

Categories saved

Toast after saving the quarter's categories. · Dashboard: a credit card's page, Card benefits

Set categories

Button: set the quarter's categories. · Dashboard: a credit card's page, Card benefits

Rotating categories, {period}

Title of a card's rotating quarter. · Dashboard: a credit card's page, Card benefits

Marked not activated

Toast after undoing activation. · Dashboard: a credit card's page, Card benefits

Set this quarter's categories to count them.

When the quarter's categories aren't known. · Dashboard: a credit card's page, Card benefits

Until you activate it, they earn the base rate.

Note when the quarter isn't activated. · Dashboard: a credit card's page, Card benefits

Card benefits

Title of the card benefits section on a credit card's page. · Dashboard: a credit card's page, Card benefits

{category}: {to} (new)

A new rate. · Dashboard: a credit card's page, Card benefits

New rates applied

Toast after applying the catalog's changes. · Dashboard: a credit card's page, Card benefits

Apply

Button: apply the catalog's changes. · Dashboard: a credit card's page, Card benefits

{category}: a different cap

A changed cap. · Dashboard: a credit card's page, Card benefits

Annual fee: {to}

A changed annual fee. · Dashboard: a credit card's page, Card benefits

Keep mine

Button: keep the person's rates. · Dashboard: a credit card's page, Card benefits

Kept your rates

Toast after keeping the person's rates. · Dashboard: a credit card's page, Card benefits

A different network

A changed network. · Dashboard: a credit card's page, Card benefits

{category}: {from} to {to}

A changed rate. · Dashboard: a credit card's page, Card benefits

{category}: no longer listed

A removed rate. · Dashboard: a credit card's page, Card benefits

Budvo updated {name}

Title when the catalog changed the card. · Dashboard: a credit card's page, Card benefits

You changed these rates yourself; applying replaces your changes.

Note when the person edited the rates. · Dashboard: a credit card's page, Card benefits

Every card here carries a balance, so interest costs more than any rewards. Use your debit card until one is paid in full.

Warning when every card carries a balance. · Dashboard: Which card, Pay with

Their budgets are assumed spent on this card: its next statements and rewards come from them.

What Use this card for does. · Dashboard: a credit card's page, Card benefits

{amount} a month

A category's budget a month. · Dashboard: a credit card's page, Card benefits

Choose

Link: pick categories for the card. · Dashboard: a credit card's page, Card benefits

Use this card for

Label: the categories paid with the card. · Dashboard: a credit card's page, Card benefits

Nothing yet. Budgets you put on it count toward its statement and rewards.

When no categories are paid with the card. · Dashboard: a credit card's page, Card benefits

now on {card}

A category paid with another card. · Dashboard: a credit card's page, Card benefits

Saved

Toast after saving the categories. · Dashboard: a credit card's page, Card benefits

Use {name} for

Title of the Use this card for sheet. · Dashboard: a credit card's page, Card benefits

The card that earns the most for this, after interest, and keeps your credit healthy.

What the Which card tool does. · Dashboard: + menu, Which card

Any category

Option: no category. · Dashboard: + menu, Which card

{apr} APR if you carry it

A card's APR. · Dashboard: + menu, Which card

Carries a balance: about {amount} of interest at {apr}, no rewards

A card carrying a balance. · Dashboard: + menu, Which card

Category

Accessible name of the category select. · Dashboard: + menu, Which card

Counts as {category} for rewards.

What the purchase counts as. · Dashboard: + menu, Which card

Earns {amount} ({earn})

What the purchase earns on the card. · Dashboard: + menu, Which card

Ranked by staying under 30% used, then rewards minus interest. A card carrying a balance never earns: interest comes first.

How the cards are ranked. · Dashboard: + menu, Which card

You pay it in full, so no interest

A card paid in full without rates. · Dashboard: + menu, Which card

Log it on {name}

Button: log the purchase on the best card. · Dashboard: + menu, Which card

Add a credit card to compare.

When there are no cards. · Dashboard: + menu, Which card

Only {amount} available

A card without room for the purchase. · Dashboard: + menu, Which card

Price

Accessible name of the price input. · Dashboard: + menu, Which card

Store (optional)

Placeholder of the store input. · Dashboard: + menu, Which card

Which card?

Title of the Which card tool. · Dashboard: + menu, Which card

{before}% to {after}% used

Utilization before and after. · Dashboard: + menu, Which card

Cancel

Generic button that closes a dialog without doing anything. · Everywhere

Remove

Generic button that removes or uninstalls something. A verb. · Everywhere

Save

Generic button that saves a form. A verb. · Everywhere

Before {name}

Badge: paid off before a goal. · Dashboard: Debts

Behind for {date}

Badge on a debt row. · Dashboard: Debts

Long-term

Badge: a long-term loan. · Dashboard: Debts

Minimum only

Badge. · Dashboard: Debts

Paying now

Badge on the first debt in the order. · Dashboard: Debts

On pace for {date}

Badge on a debt row. · Dashboard: Debts

Paused until {date}

Badge on a debt row. · Dashboard: Debts

Refinance {date}

Badge: a planned refinance. · Dashboard: Debts

{count, plural, one {{names} is behind for its payoff date.} other {{names} are behind for their payoff dates.}}

Debts behind their target dates. · Dashboard: Debts

Change approach

Button: the one place the payoff strategy, BNPL first, what's included, extra cap, lump sum and target date are set. · Dashboard: Debts

Compare approaches

Button and sheet title: every strategy on your plan side by side (the payoff lab). · Dashboard: Debts

Same paychecks, bills and goals; only the order extra money goes in changes.

Compare approaches sheet description. · Dashboard: Debts

The curve and what the plan saves

Details toggle under the debt-free date. · Dashboard: Debts

Add a card or loan

Empty Debts button. · Dashboard: Debts

Add your credit cards, BNPL plans and loans. Budvo works out what to pay off next and when you'll be debt free.

Empty Debts. · Dashboard: Debts

No debts to plan

Empty Debts. · Dashboard: Debts

Debt free

Section title: the debt-free date. · Dashboard: Debts

Debt free (not counting long-term loans)

Section title when there are long-term loans. · Dashboard: Debts

Not in your payoff order or your debt-free date

The section's one-line answer: cards paid in full aren't in the payoff order or the debt-free date. · Dashboard: Debts

No interest while you pay it in full

Quiet line under a card paid in full every month. · Dashboard: Debts

Paid in full each month

Section on Debts: cards paid in full every month, which aren't debt to pay off. · Dashboard: Debts

That's after your {date} date.

Under a goal's ready date when late. · Dashboard: Debts

On time for {date}.

Under a goal's ready date when on time. · Dashboard: Debts

Minimums only for now

Section: debts left out of extra payments. · Dashboard: Debts

After you close this month's gap

Shown next to Pay it off on Debts when the month is short: paying off early waits until the gap is closed. · Dashboard: Debts, What to pay off next

How this works

Collapsed section under the answer: how the order works and the trade-off. · Dashboard and iOS: Plan > Debts, What to pay off next

Every debt that gets extra is paid off.

Shown instead of the answer when there's nothing left to pay off next. · Dashboard and iOS: Plan > Debts, What to pay off next

Pay off {name} next: {amount} frees {monthly} a month

The plain answer at the top of Plan > Debts: the debt to pay off next, what paying it off costs today and the monthly payment that stops. · Dashboard and iOS: Plan > Debts, What to pay off next

Debts are ranked by the monthly payment each dollar frees: the payment divided by what paying it off costs today. Debts left out of your plan get their minimums only.

Explanation in the collapsed section. · Dashboard and iOS: Plan > Debts, What to pay off next

Your one-time {amount} from {account} goes to {payoffs} today.

Fact under the answer when the plan has a one-time lump sum. · Dashboard and iOS: Plan > Debts, What to pay off next

Make it the plan

Button: switch the saved plan to cash flow first, so this debt gets extra first. · Dashboard and iOS: Plan > Debts, What to pay off next

{count, plural, one {# more} other {# more}}

Link under the answer that opens the ranked list of the other debts. · Dashboard and iOS: Plan > Debts, What to pay off next

Your paychecks leave nothing extra right now, so payments only go down as plans end on their own.

Fact under the answer when the plan has no extra money for debt. · Dashboard and iOS: Plan > Debts, What to pay off next

Not now

Button: hide the answer for a week. · Dashboard and iOS: Plan > Debts, What to pay off next

{name} paid off {date}

One item of the payoff list in debts.next.with_extra. · Dashboard and iOS: Plan > Debts, What to pay off next

Pay it off

Button: pay off the debt named in the answer now. · Dashboard and iOS: Plan > Debts, What to pay off next

Show it

Link that brings the hidden answer back. · Dashboard and iOS: Plan > Debts, What to pay off next

What to pay off next is hidden until {date}.

Quiet line after Not now. · Dashboard and iOS: Plan > Debts, What to pay off next

{scope, select, bnpl {All BNPL plans} other {Every debt}} gone by {date}: on track.

Fact under the answer when the plan has a target date and the plan gets there. · Dashboard and iOS: Plan > Debts, What to pay off next

{scope, select, bnpl {All BNPL plans} other {Every debt}} gone by {date} needs {needed} extra a month; your plan has {have}.

Fact under the answer when the plan has a target date and doesn't get there. · Dashboard and iOS: Plan > Debts, What to pay off next

What to pay off next

Small label above the one-line answer at the top of Plan > Debts. · Dashboard and iOS: Plan > Debts, What to pay off next

{days, plural, =0 {You're debt free on the same day.} one {You're debt free # day later.} other {You're debt free # days later.}}

Trade-off: how much later cash flow first makes the debt-free date than highest rate first. · Dashboard and iOS: Plan > Debts, What to pay off next

By {month}, highest rate first would free {amount} a month.

Trade-off: monthly payments highest rate first frees by the month in the headline, to compare. · Dashboard and iOS: Plan > Debts, What to pay off next

Cash flow first costs about {amount} less in interest than highest rate first.

Trade-off in the collapsed section: here freeing payments first also saves interest. · Dashboard and iOS: Plan > Debts, What to pay off next

Cash flow first costs about {amount} more in interest than highest rate first.

Trade-off in the collapsed section: freeing payments first costs more interest. · Dashboard and iOS: Plan > Debts, What to pay off next

Cash flow first costs about the same interest as highest rate first.

Trade-off in the collapsed section: within a dollar. · Dashboard and iOS: Plan > Debts, What to pay off next

{days, plural, one {You're debt free # day sooner.} other {You're debt free # days sooner.}}

Trade-off: cash flow first makes the debt-free date sooner than highest rate first. · Dashboard and iOS: Plan > Debts, What to pay off next

With your {extra} extra a month: {payoffs}; by {month} you have {freed} more a month.

Fact under the answer: what the plan's extra money does. {payoffs} is a list like 'Laptop paid off Nov 12, Shoes Dec 3 and Couch Jan 20'. · Dashboard and iOS: Plan > Debts, What to pay off next

Cash flow first, with your {extra} extra a month: {payoffs}; by {month} you have {freed} more a month.

Fact under the answer when the saved plan uses another order: what cash flow first would do with the plan's extra money. · Dashboard and iOS: Plan > Debts, What to pay off next

Tap a debt for its payoff, refinance check and settings.

Details under the order. · Dashboard: Debts

Pay off in this order

Section title: the one payoff ranking. · Dashboard: Debts

Done

Button that closes the celebration. · Dashboard and iOS: Plan > Debts, Pay it off

Your plan sends it to {name} from now on.

Shown instead of the snowball button when the freed money already goes to the next debt. · Dashboard and iOS: Plan > Debts, Pay it off

You now have {amount} more a month.

Under the celebration: the monthly payment that's gone. · Dashboard and iOS: Plan > Debts, Pay it off

Snowball the {amount} into {name}

Button: point the freed payment at the next debt. · Dashboard and iOS: Plan > Debts, Pay it off

The {amount} now goes to {name}

Toast after Snowball. · Dashboard and iOS: Plan > Debts, Pay it off

{count, plural, one {{name} is paid off} other {{name} are paid off}}

Quiet celebration after a payoff. {name} is one debt's name, or a list of names when the one-time amount paid off several. · Dashboard and iOS: Plan > Debts, Pay it off

{amount} pays it off today.

The amount line in the Pay it off sheet. · Dashboard and iOS: Plan > Debts, Pay it off

Pay {amount}

Button that makes the payoff payment. · Dashboard and iOS: Plan > Debts, Pay it off

Pay from

Field label: the account the money comes from. · Dashboard and iOS: Plan > Debts, Pay it off

Pay {amount} now

Button that pays the plan's lump sum over its debts. · Dashboard and iOS: Plan > Debts, Pay it off

Pay the one-time amount

Title of the sheet that pays the plan's lump sum. · Dashboard and iOS: Plan > Debts, Pay it off

Extra payment

Memo on a payment that pays part of a debt from the plan's one-time amount. · iOS: Plan > Debts, Pay the one-time amount (the transaction's memo in Activity)

Paid off {name}

Memo on the payment transaction when a debt is paid off from What to pay off next. · iOS: Plan > Debts, Pay it off (the transaction's memo in Activity)

Add a checking or savings account to pay from.

Shown when there's no account a payoff can come from. · Dashboard and iOS: Plan > Debts, Pay it off

{account} has {balance}, not enough to pay it off.

Warning when the chosen account doesn't have enough. · Dashboard and iOS: Plan > Debts, Pay it off

That's more than the {safe} safe to spend before payday.

Warning when paying from checking leaves less than bills before payday need. · Dashboard and iOS: Plan > Debts, Pay it off

Pay off {name}

Title of the Pay it off sheet. · Dashboard and iOS: Plan > Debts, Pay it off

Vaults and emergency-only accounts aren't offered.

Quiet note under the Pay from field. · Dashboard and iOS: Plan > Debts, Pay it off

BNPL plans first

Toggle: every buy now, pay later plan before other debts. · Dashboard and iOS: Plan > Debts, Build my own plan

Every buy now, pay later plan comes before other debts, in the order above.

Hint under the BNPL first toggle. · Dashboard and iOS: Plan > Debts, Build my own plan

Change approach

Button that opens Change approach. · Dashboard and iOS: Debts

Monthly debt payments go from {from} today to {to} by {date} as debts are paid off.

Screen reader description of the freed-payments chart. · Dashboard and iOS: Plan > Debts, Build my own plan

Monthly debt payments

Title of the stepped chart of monthly payments going down as each debt is paid off. · Dashboard and iOS: Plan > Debts, Build my own plan

Debt free

Comparison row label: the debt-free date now and with this plan. · Dashboard and iOS: Plan > Debts, Build my own plan

More a month by {month}

Comparison row label: monthly payments freed by a month. · Dashboard and iOS: Plan > Debts, Build my own plan

Interest

Comparison row label: total interest now and with this plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Your plan now

Column header: the saved plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Which debts get extra

Section label: include or leave out each debt. · Dashboard and iOS: Plan > Debts, Build my own plan

Left out debts get their minimums only. Long-term loans start out left out.

Hint under the debts section. · Dashboard and iOS: Plan > Debts, Build my own plan

Extra a month

Section label: how much extra goes to debt each month. · Dashboard and iOS: Plan > Debts, Build my own plan

Everything my paychecks leave

Choice: no cap on extra money for debt. · Dashboard and iOS: Plan > Debts, Build my own plan

At most

Choice: a cap on extra money for debt a month, followed by an amount. · Dashboard and iOS: Plan > Debts, Build my own plan

Your paychecks leave about {amount} a month after Required, Living and goals.

Hint under the extra a month field in Change approach. · Dashboard and iOS: Debts, Change approach

One-time amount now

Section label: an optional lump sum toward debt today. · Dashboard and iOS: Plan > Debts, Build my own plan

From

Field label: the account the one-time amount comes from. · Dashboard and iOS: Plan > Debts, Build my own plan

Paid today toward the first debts in the plan. Vaults and emergency-only accounts are never used.

Hint under the one-time amount. · Dashboard and iOS: Plan > Debts, Build my own plan

Pays {payoffs}

What the one-time amount pays, for example 'Pays Klarna $75 and Couch $25'. · Dashboard and iOS: Plan > Debts, Build my own plan

Most of the difference is {name} getting minimums only.

Line under the payoff plan builder's comparison when most of the interest difference comes from one debt left on minimums. · Dashboard and iOS: Plan > Debts > Build my own plan, preview

Not in sight

A debt-free date that's beyond the projection. · Dashboard and iOS: Plan > Debts, Build my own plan

With this plan

Section label of the live preview. · Dashboard and iOS: Plan > Debts, Build my own plan

Reset to defaults

Button that resets the plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Reset the order, extra a month, one-time amount, target date and which debts get extra? Long-term loans go back to minimums only.

Confirmation before resetting the plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Plan reset to defaults

Toast after resetting the plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Make it my plan

Button that saves the plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Your plan is saved

Toast after saving the plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Pay off first

Section label: the order debts get extra money in. · Dashboard and iOS: Plan > Debts, Build my own plan

Target date

Section label: an optional date to have debts gone by. · Dashboard and iOS: Plan > Debts, Build my own plan

Behind: not all paid off by {date}.

The plan doesn't reach the target date. · Dashboard and iOS: Plan > Debts, Build my own plan

Needs about {needed} extra a month. Your plan puts {have} toward debt.

What reaching the target date takes beyond the minimums. · Dashboard and iOS: Plan > Debts, Build my own plan

No target

Choice: no target date. · Dashboard and iOS: Plan > Debts, Build my own plan

On track: all paid off by {date}.

The plan reaches the target date. · Dashboard and iOS: Plan > Debts, Build my own plan

Every debt that gets extra

Choice: the target date is for every debt that gets extra (not long-term loans). · Dashboard and iOS: Plan > Debts, Build my own plan

All BNPL plans

Choice: the target date is for every BNPL plan. · Dashboard and iOS: Plan > Debts, Build my own plan

Use {amount} a month

Button: set the extra a month to what the target needs. · Dashboard and iOS: Plan > Debts, Build my own plan

This plan

Column header: the plan being built. · Dashboard and iOS: Plan > Debts, Build my own plan

Change approach

Sheet title: the one place the payoff approach is set (strategy, BNPL first, what's included, extra cap, one-time amount, target date). · Dashboard and iOS: Debts

{rate} APR

Detail: the debt's rate. · Dashboard and iOS: Plan > Debts, the ranked list

Frees {amount} a month per {hundred}

Badge: monthly payment freed per $100 of payoff. · Dashboard and iOS: Debts, ranked list

Includes a {amount} early payoff fee

Detail note: an early payoff fee is part of the amount. · Dashboard and iOS: Plan > Debts, the ranked list

Frees {amount} a month

Second line of a ranked row: the monthly payment that stops. · Dashboard and iOS: Plan > Debts, the ranked list

From the payoff amount you entered

Detail note: the payoff amount comes from the provider's quote. · Dashboard and iOS: Plan > Debts, the ranked list

Minimums only

Section title for debts left out of the plan in the ranked list. · Dashboard and iOS: Plan > Debts, the ranked list

Long-term

Badge on a long-term loan (car, mortgage). · Dashboard and iOS: Plan > Debts, the ranked list

Monthly payment

Detail label: the monthly payment that stops when it's paid off. · Dashboard and iOS: Plan > Debts, the ranked list

{count, plural, =0 {Ends this month} one {# month left at minimums} other {# months left at minimums}}

Detail: how long it takes paying only the minimums. · Dashboard and iOS: Plan > Debts, the ranked list

Minimums alone never pay it off

Detail on a ranked debt whose minimum payment doesn't outpace its interest (ends_on is null). · Dashboard and iOS: Plan > Debts, the ranked list

Not paid off in the next 40 years

Detail: the plan doesn't pay it off. · Dashboard and iOS: Plan > Debts, the ranked list

{amount} to pay off

Right side of a ranked row: what paying it off costs today. · Dashboard and iOS: Plan > Debts, the ranked list

Payoff today

Detail label: what paying it off costs today. · Dashboard and iOS: Plan > Debts, the ranked list

Your plan pays it off {date}

Detail: when the saved plan pays it off. · Dashboard and iOS: Plan > Debts, the ranked list

Each dollar toward the top debt frees the most monthly payment.

Subtitle of the ranked list. · Dashboard and iOS: Plan > Debts, the ranked list

Ranked by payment freed

Title of the ranked list of debts. · Dashboard and iOS: Plan > Debts, the ranked list

Left out of the plan

Badge on a debt the plan leaves on minimums. · Dashboard and iOS: Plan > Debts, the ranked list

Paused

Badge on a debt on hold until a date. · Dashboard and iOS: Plan > Debts, the ranked list

Paid in full

Badge on a card that autopay pays in full each month. · Dashboard and iOS: Plan > Debts, the ranked list

Ready for {name}

Section title when a dated goal needs debts cleared first. · Dashboard: Debts

{apr} APR

Quiet line on a debt row. · Dashboard: Debts

Beyond 40 years

Under a debt's balance when it never ends. · Dashboard: Debts

Move {name} down

Button label (screen readers). · Dashboard: Debts

{amount} interest to go

Quiet line on a debt row. · Dashboard: Debts

Paid off {date}

Under a debt's balance. · Dashboard: Debts

Move {name} up

Button label (screen readers). · Dashboard: Debts

The plan saves about {amount} in interest over paying minimums.

Interest saved. · Dashboard: Debts

Do this now

The advisor's debt steps on Debts. · Dashboard: Debts

Highest rate first

Name of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

Highest APR first. Every extra dollar goes where it saves the most interest.

One-line explanation of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

Cash flow first

Name of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

The debt that frees the most monthly payment per dollar first, so small BNPL plans with big payments go first.

One-line explanation of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

Cash flow

Short name of the Cash flow first payoff strategy, for tight spots like a picker. · iOS: Plan settings, payoff strategy

My order

Name of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

Your own order. Use the arrows on Debts to change it.

About the custom order. · Dashboard and iOS: Debts, Change approach

Biggest interest bill first

Name of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

The debt costing the most dollars each month first (balance times rate), until it's level with the next one.

One-line explanation of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

Smallest balance first

Name of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

Smallest balance first, for quick wins and freed-up payments.

One-line explanation of a payoff order (strategy). · Dashboard and iOS: Plan > Debts and Build my own plan

{amount} owed across {count, plural, one {# debt} other {# debts}}

Debts subtitle. · Dashboard: Debts

Debts

Debts screen title. · Dashboard: Debts

Paid off {date}, number {order} in your order

The debt's payoff date on the plan and its place in the order (0: minimums only). · Dashboard: a debt's page

Paid off {date}, not in your payoff order

The debt's payoff date when it isn't in the payoff order (minimum only or on hold). · Dashboard: a debt's page

Pay this first

Button: put this debt first (switches to your own order). · Dashboard: a debt's page

{name} is first now

Toast. · Dashboard: a debt's page

Switches Debts to your own order with this one first

Tooltip. · Dashboard: a debt's page

Paid in full each month, so it isn't in your payoff order

The answer on a card's page when it's paid in full every month (autopay in full or by hand): it isn't debt to pay off. · Dashboard: a credit card's page, Payoff

Payoff settings

Button: minimum only, pause, paid-off-by date, refinance. · Dashboard: a debt's page

Payoff simulator

Button: if I put every dollar here, when is it gone? · Dashboard: a debt's page

Paid off by {date} is set.

Under the payoff answer when the debt has a paid-off-by date. · Dashboard: a debt's page

Payoff

Section on a debt's page with its payoff tools. · Dashboard: a debt's page

With your planned {count, plural, one {refinance} other {refinances}}: {everything, select, yes {everything paid off} other {debt free}} {date}

A scenario line with planned refinances. · Dashboard: Debts

about {amount} less interest

After the refinance line. · Dashboard: Debts

Cancel

What a pick does to a subscription or bill: cancel it. · Dashboard and iOS: Plan > Free up

Lower

What a pick does to a bill: lower it to an amount. · Dashboard and iOS: Plan > Free up

Pay it off

What a pick does to a debt. · Dashboard and iOS: Plan > Free up

Clear

Button that unpicks everything. · Dashboard and iOS: Plan > Free up

Make it real

Button that opens the steps to do each pick for real (pay off, cancel, lower). · Dashboard and iOS: Plan > Free up

Preview on the calendar

Button that adds the picks to the calendar as What if items. · Dashboard and iOS: Plan > Free up

It costs {cost} now, paid back in {months, plural, one {# month} other {# months}}.

Line under the answer: the one-time payoff cost and how many months of freed money pay it back (can have one decimal, like 2.5). · Dashboard and iOS: Plan > Free up

It costs {cost} now, paid back in under a month.

Line under the answer when the freed money pays the one-time cost back within a month. · Dashboard and iOS: Plan > Free up

You'd free {monthly} a month ({yearly} a year)

The answer: how much a month (and a year) the picks free. · Dashboard and iOS: Plan > Free up

It costs nothing now.

Line under the answer when the picks are only cancels and lowered bills (nothing to pay now). · Dashboard and iOS: Plan > Free up

Pick what to pay off, cancel or lower

Headline of Free up money before anything is picked. · Dashboard and iOS: Plan > Free up

Everything below costs you {amount} a month. Switch things on to see how much you'd free every month.

Line under the headline before anything is picked. · Dashboard and iOS: Plan > Free up

Moving or a new job? Clear the right debts first.

Under Need it by a date? · Dashboard and iOS: Money, Free up money

Need it by a date?

Expander inside Free up money: which debts to clear by a date to free the most. · Dashboard and iOS: Money, Free up money

Add your debts, bills and subscriptions and this shows what paying off, cancelling or lowering each one would free every month.

Empty state text of Free up money. · Dashboard and iOS: Plan > Free up

Nothing costs money every month yet

Empty state title of Free up money. · Dashboard and iOS: Plan > Free up

Today's allowance goes from {before} to {after}.

Fact under the answer: what can be spent today based on the month, before and after the picks. · Dashboard and iOS: Plan > Free up

Today's allowance stays {amount}.

Fact under the answer when today's allowance doesn't change. · Dashboard and iOS: Plan > Free up

Debt free in {after} instead of {before}.

Fact under the answer: the debt-free month after and before the picks. · Dashboard and iOS: Plan > Free up

Debt free stays {date}.

Fact under the answer when the debt-free month doesn't change. · Dashboard and iOS: Plan > Free up

Safe to spend {payday, select, yes {until payday} other {this month}} goes from {before} to {after}.

Fact under the answer: safe to spend before and after the picks. payday is yes when there's a next paycheck. · Dashboard and iOS: Plan > Free up

Safe to spend {payday, select, yes {until payday} other {this month}} stays {amount}.

Fact under the answer when the picks don't change safe to spend. · Dashboard and iOS: Plan > Free up

Paid from

Label of the account the one-time payoff cost comes from. · Dashboard and iOS: Plan > Free up

There's no checking or savings account to pay from.

Shown instead of the account picker when no account can pay. · Dashboard and iOS: Plan > Free up

That's more than the {safe} safe to spend until payday, so bills before payday could come up short. Paying from savings keeps them covered.

Warning when the one-time cost comes from a spending account and is more than safe to spend. · Dashboard and iOS: Plan > Free up

{account} has {balance}, less than {cost}.

Warning when the account picked doesn't hold the one-time cost. · Dashboard and iOS: Plan > Free up

Never from vaults or emergency-only money.

Hint under the account picker: vaults and emergency-only accounts are never offered. · Dashboard and iOS: Plan > Free up

Bills

Group heading in the list. · Dashboard and iOS: Plan > Free up

Debts

Group heading in the list: BNPL plans, loans and cards. · Dashboard and iOS: Plan > Free up

Subscriptions

Group heading in the list. · Dashboard and iOS: Plan > Free up

{amount} a month

Next to a group heading: what the group costs a month. · Dashboard and iOS: Plan > Free up

Add up what lowering bills and paying off debts frees every month

Subtitle of the Free up money link on Lower your bills. · Dashboard and iOS: Subscriptions > Lower your bills

See what paying off, cancelling or lowering frees every month

Subtitle of the Free up money link on Plan > Debts, next to What to pay off next. · Dashboard and iOS: Plan > Debts

See what cancelling or lowering subscriptions and bills frees every month

Subtitle of the Free up money link on Subscriptions. · Dashboard and iOS: Subscriptions

Want more to spend? See what you could free every month

Subtitle of the Free up money link in Today's safe to spend details. · Dashboard and iOS: Today, Safe to spend details

Everything that costs money every month

Title of the list of debts, bills and subscriptions. · Dashboard and iOS: Plan > Free up

Pick the best for

Label of a money field: the payoffs that free the most a month for this much cash. · Dashboard and iOS: Plan > Free up

{count, plural, =0 {Nothing fits in {amount}.} one {# payoff for {cost} frees {freed} a month.} other {# payoffs for {cost} free {freed} a month.}}

Result of Pick the best for: how many payoffs were picked, what they cost and what they free a month. The names follow. · Dashboard and iOS: Plan > Free up

Pick

Button next to a quick pick field. · Dashboard and iOS: Plan > Free up

Reach this much more a month

Label of a money field: the cheapest payoffs that free at least this much a month. · Dashboard and iOS: Plan > Free up

{count, plural, =0 {What's picked already frees {amount} a month.} one {# payoff for {cost} gets you to {amount} a month.} other {# payoffs for {cost} get you to {amount} a month.}}

Result of Reach this much more a month: the cheapest payoffs that get there. The names follow. · Dashboard and iOS: Plan > Free up

Paying off every debt frees {freed} a month, short of {amount}.

Result of Reach this much more a month when even every payoff isn't enough. · Dashboard and iOS: Plan > Free up

Quick picks

Section title: let Budvo pick payoffs for a cash budget or a monthly target. · Dashboard and iOS: Plan > Free up

All done. Your plan, safe to spend and calendar use the new numbers.

Shown when every step was done. · Dashboard and iOS: Plan > Free up

Mark cancelled

Button: marks the subscription cancelling and ends it in the plan from the date. · Dashboard and iOS: Plan > Free up

Cancel from {date}, frees {monthly} a month

Make it real row. · Dashboard and iOS: Free up money

{name} is marked cancelled

Toast after marking a subscription cancelled. · Dashboard and iOS: Plan > Free up

Close

Button that closes the Make it real sheet. · Dashboard and iOS: Plan > Free up

Done

Badge on a step that was done. · Dashboard and iOS: Plan > Free up

Lower to {amount}

Button: logs the lower price in Lower your bills and changes the bill from the date. · Dashboard and iOS: Plan > Free up

Lowered with Free up money

Note saved with a lowered price in Lower your bills' past results. · Dashboard and iOS: Subscriptions > Lower your bills, past results

Lower to {amount} from {date}, frees {monthly} a month

Make it real row. · Dashboard and iOS: Free up money

{name} is now {amount}

Toast after lowering a bill. · Dashboard and iOS: Plan > Free up, Calendar What if

{name} paid off: {monthly} more a month

Toast after paying a debt off. · Dashboard and iOS: Plan > Free up

Pay off {cost}

Button that opens the usual Pay it off sheet for a debt. · Dashboard and iOS: Plan > Free up

Pay off {cost} now, frees {monthly} a month

Make it real row. · Dashboard and iOS: Free up money

Not sure yet?

Before the Preview on the calendar link in the Make it real sheet. · Dashboard and iOS: Plan > Free up

One step per pick. Each one changes your plan for real.

Description of the Make it real sheet. · Dashboard and iOS: Plan > Free up

Make it real

Title of the sheet with one step per pick. · Dashboard and iOS: Plan > Free up

Frees {amount} a month

Free up row: what it frees. · Dashboard and iOS: Free up money

From

Label of the date a cancel or lower starts. · Dashboard and iOS: Plan > Free up

Cancel on {service}

Link to a service's cancel page. · Dashboard and iOS: Plan > Free up

Enter less than {amount}.

Shown when the new amount isn't lower than now. · Dashboard and iOS: Plan > Free up

Lower to

Label of the new amount field when lowering a bill. · Dashboard and iOS: Plan > Free up

{amount} a month

Free up row: what it costs a month. · Dashboard and iOS: Free up money

next {date}

After a bill's price: when the next one is due. · Dashboard and iOS: Plan > Free up

Now {amount}

Hint under the new amount field: what the bill is now. · Dashboard and iOS: Plan > Free up

Pay it off: {cost} now, frees {monthly} a month

Free up row action. · Dashboard and iOS: Free up money

{amount} {cadence, select, weekly {a week} biweekly {every 2 weeks} semimonthly {twice a month} yearly {a year} other {a month}}

A bill's price per its cadence. · Dashboard and iOS: Plan > Free up

Script for asking

Link to the bill's script in Lower your bills. · Dashboard and iOS: Plan > Free up

Pick {name}

Accessible label of a row's switch. · Dashboard and iOS: Plan > Free up

Cheapest to clear

Sort option: debts that cost the least to pay off first. · Dashboard and iOS: Plan > Free up

Sort

Accessible label of the sort menu. · Dashboard and iOS: Plan > Free up

Biggest monthly amount

Sort option: biggest monthly cost first. · Dashboard and iOS: Plan > Free up

Most freed per dollar

Sort option: debts by the monthly payment each dollar of payoff frees. · Dashboard and iOS: Plan > Free up

Some picks aren't there anymore (paid off, cancelled or lowered), so they were taken off.

Note when picks kept from earlier no longer apply. · Dashboard and iOS: Plan > Free up

Free up money

Free up money (a mode of Money). · Dashboard and iOS: Money

Free up money

Title of the Free up money calculator: what paying off, cancelling or lowering things frees every month. Also the name of links to it. · Dashboard and iOS: Plan > Free up, links on Debts, Subscriptions and Today

{count, plural, one {# more subscription was found in your spending and isn't in your plan yet.} other {# more subscriptions were found in your spending and aren't in your plan yet.}}

Note under the list: subscriptions found in spending but not added to the plan aren't listed. · Dashboard and iOS: Plan > Free up

Add them on Subscriptions

Link after the note, to Subscriptions. · Dashboard and iOS: Plan > Free up

All set {date}

Goal sheet: when those debts are gone. · Dashboard: Money > Goals

By

Goal sheet row: the target date. · Dashboard: Money > Goals

Paid off first

Goal sheet: debts to clear before the goal. · Dashboard: Money > Goals

Next paycheck

Goal sheet row: what the next paycheck sets aside. · Dashboard: Money > Goals

Paid

Goal sheet: a debt that's paid off. · Dashboard: Money > Goals

Projected by then

Goal sheet row. · Dashboard: Money > Goals

Reaches it

Goal sheet row. · Dashboard: Money > Goals

Saved

Goal sheet row. · Dashboard: Money > Goals

Short about {amount} by the date. That's {per} more per paycheck, or free up money to cover it.

Goal sheet: behind. · Dashboard: Money > Goals

Edit goal

Button. · Dashboard: Money > Goals

Emergency

Badge on an emergency fund goal. · Dashboard: Money > Goals

Like $10,000 to move out by March. Budvo works out what each paycheck sets aside.

Empty goals. · Dashboard: Money > Goals

Set a goal

Empty goals. · Dashboard: Money > Goals

We fixed how goals count savings: a goal counts its account's own money and vaults no other goal uses, so the same dollars never count twice.

One-time note on Money > Goals after the goal counting fix. · Dashboard: Money > Goals

Got it

Dismisses the one-time note. · Dashboard: Money > Goals

New goal

Button. · Dashboard: Money > Goals

No date

Goal row status. · Dashboard: Money > Goals

On track for {date}

Goal row status. · Dashboard: Money > Goals

Reached

Goal row status. · Dashboard: Money > Goals

Reaches it {date}

Goal row status for a goal without a date (a future date). · Dashboard: Money > Goals

Short {amount} by {date}

Goal row status. · Dashboard: Money > Goals

Debt free

Before and after line: the month the last debt is paid off. · Dashboard: the before and after at the end of every Try it tool

Free a month

Before and after line: income minus Required, Living and commitments, a month. · Dashboard: the before and after at the end of every Try it tool

Left to spend this week

Before and after line: what's left of this week's Living. · Dashboard: the before and after at the end of every Try it tool

same

After a value in the before and after when it doesn't change. · Dashboard: the before and after at the end of every Try it tool

Details

Toggle that opens a section's collapsed details. · Dashboard: any section with details

+{count} more

Link next to the one notice shown: how many more notices there are, opens them. · Dashboard: notices on Today and other screens

Not in sight

A debt-free date that can't be worked out (payments don't cover the interest). · Dashboard: the before and after at the end of a Try it tool

{amount} a month

A target as a month. · Dashboard: Money, Living targets sheet

What you plan to spend on everyday things. Weekly targets reset each week; monthly ones each month.

Sheet description. · Dashboard: Money, Living targets sheet

Suggested from your last 13 weeks: weekly for what you buy often, monthly for the rest. Adjust anything, then use them.

Sheet description with suggestions. · Dashboard: Money, Living targets sheet

Use these

Button: save the suggested targets as they are. · Dashboard: Money, Living targets sheet

Add a category

Picker to add a target. · Dashboard: Money, Living targets sheet

Add

Button next to the picker. · Dashboard: Money, Living targets sheet

Amount for {name}

Field label (screen readers). · Dashboard: Money, Living targets sheet

Remove all

Button: remove every target (back to spending money). · Dashboard: Money, Living targets sheet

Back to spending money per paycheck

Toast after removing every target. · Dashboard: Money, Living targets sheet

Everything else

The target for spending in no other target's category. · Dashboard: Money, Living targets sheet

Month

Segmented option: a monthly target. · Dashboard: Money, Living targets sheet

Right now Living is your spending money setting ({amount} per paycheck). Saving targets replaces it.

Note when Living is still the spending money setting. · Dashboard: Money, Living targets sheet

Living targets saved

Toast. · Dashboard: Money, Living targets sheet

Living targets

Sheet title: weekly or monthly targets per category. · Dashboard: Money, Living targets sheet

Living

Total row label. · Dashboard: Money, Living targets sheet

Week

Segmented option: a weekly target. · Dashboard: Money, Living targets sheet

Paycheck plan

Advanced view: each paycheck split line by line. · Dashboard: Money

Each paycheck split into Required, Living, the buffer, goals and extra to debt, with a checkbox per line.

Explains the paycheck plan view. · Dashboard: Money

Table

Advanced view: the per-paycheck spreadsheet. · Dashboard: Money

Every item by pay period, like a spreadsheet. Edit amounts per period, export CSV or print.

Explains the table view. · Dashboard: Money

Right now it's {amount} this month. A cap is what you allow; going over shows in red.

Cap sheet description. · Dashboard: Money

Cap {amount}

Link on a capped group: shows and changes the cap. · Dashboard: Money

A month at most

Cap field label. · Dashboard: Money

Remove the cap

Button: remove a group's cap. · Dashboard: Money

Cap removed

Toast. · Dashboard: Money

Cap saved

Toast. · Dashboard: Money

Set a cap

Link on the Subscriptions group: cap it ($100 a month). · Dashboard: Money

Cap {group}

Cap sheet title. · Dashboard: Money

Extra to debt

Row in the Debt group: what the plan sends to debt beyond minimums. · Dashboard: Money

Debts

Link from the Debt group to the Debts screen. · Dashboard: Money

Pay extra toward debt

The + on the extra to debt row. · Dashboard: Money

Free this month

The answer on Money: income minus Required, Living and commitments this month. · Dashboard: Money

Done

Button that leaves Free up money and goes back to the plan. · Dashboard: Money

Pick what to pay off, cancel or lower and see what it frees.

Money subtitle while Free up money is on. · Dashboard: Money

Add money to {name}

The + on a goal row. · Dashboard: Money

Goals

Link from the Goals group to Money > Goals. · Dashboard: Money

Bills

Budget group: bills (utilities, phone, insurance). · Dashboard: Money

Debt

Budget group: debt minimums and extra to debt. · Dashboard: Money

Goals

Budget group: what the plan sends each goal. · Dashboard: Money

Housing

Budget group: rent, mortgage, HOA. · Dashboard: Money

IOUs

Budget group: IOUs you owe. · Dashboard: Money

Regular costs

Budget group: Living targets (groceries, gas, eating out). · Dashboard: Money

Subscriptions

Budget group: subscriptions. · Dashboard: Money

Adjust

Link that opens the Living targets editor. · Dashboard: Money

Budvo suggests these from your last 13 weeks of spending.

Invite text with no spending money set. · Dashboard: Money

Right now Living is your spending money, {amount} a month. Targets per category track groceries, gas and eating out like a budget.

Invite text when Living is the spending money setting. · Dashboard: Money

Set your Living targets

Card on Money before any Living targets exist. · Dashboard: Money

About {amount} a month

Total of the suggested Living targets. · Dashboard: Money

a month

After a monthly target's amount. · Dashboard: Money

a week

After a weekly target's amount. · Dashboard: Money

Next month

Button label (screen readers): show the next month. · Dashboard: Money

Previous month

Button label (screen readers): show the previous month. · Dashboard: Money

a month

Quiet line on a monthly Living target row. · Dashboard: Money

Estimate

Badge: the amount is an estimate. · Dashboard: Money

Log a purchase in {name}

The + on a Living row (screen readers and tooltip). · Dashboard: Money

Next {date}

Quiet line on a bill row: the next one still to pay this month. · Dashboard: Money

Overdue

Quiet line on a bill row: past its date and not paid. · Dashboard: Money

Paid

Quiet line on a bill row: paid this month. · Dashboard: Money

{amount} left this week

Quiet line on a weekly Living target row. · Dashboard: Money

{amount} over this week

Quiet line on a weekly Living target row that's over. · Dashboard: Money

Buffer

Field: money in checking that's never planned. · Dashboard: Money settings sheet

Kept in checking, never planned

Hint under the buffer field. · Dashboard: Money settings sheet

Debt mode

Toggle: the strict plan. · Dashboard: Money settings sheet

The strict plan: every purchase in a wants category is matched to debt, goals without a date pause, and extra money goes to debt first. Turn it off anytime.

Explains Debt mode. · Dashboard: Money settings sheet

Move {step} down

Button label (screen readers). · Dashboard: Money settings sheet

Emergency fund

Field: the emergency fund goal's target. · Dashboard: Money settings sheet

Track it by hand

Option: no account for the emergency fund. · Dashboard: Money settings sheet

The whole goal; the rest comes after debt

Hint under the emergency fund field. · Dashboard: Money settings sheet

Kept in

Field: the account the emergency fund lives in. · Dashboard: Money settings sheet

Emergency fund

Name of a new emergency fund goal. · Dashboard: Money settings sheet

Where free money goes

Settings section: the order of the steps. · Dashboard: Money settings sheet

Free money fills these in order. Move a step up to fund it first.

Explains the order list. · Dashboard: Money settings sheet

Buffer and emergency fund: {amount}

Total of the buffer and the emergency fund target. · Dashboard: Money settings sheet

Money settings saved

Toast. · Dashboard: Money settings sheet

Spending money per paycheck

Field: Living when there are no Living targets. · Dashboard: Money settings sheet

Living until you set targets: groceries, gas, eating out and fun between paychecks.

Hint under spending money. · Dashboard: Money settings sheet

Emergency starter

Field: how much of the emergency fund comes before extra to debt. · Dashboard: Money settings sheet

Automatic

Placeholder: the starter is worked out. · Dashboard: Money settings sheet

Before extra to debt. Empty: the smaller of $1,000 and a month of Required

Hint under the starter field. · Dashboard: Money settings sheet

Money settings

Sheet title (was Plan settings). · Dashboard: Money settings sheet

Move {step} up

Button label (screen readers). · Dashboard: Money settings sheet

Weeks start on

Field: the first day of Left to spend this week. · Dashboard: Money settings sheet

Short this month

The answer on Money when Required plus Living is more than income. · Dashboard: Money

Buffer

Where free money goes, step: checking buffer, then the emergency fund's starter cushion. · Dashboard: Money

Dated goals

Where free money goes, step: goals with a date, at their pace. · Dashboard: Money

Extra to debt

Where free money goes, step: extra payments to debt in the payoff plan's order. · Dashboard: Money

Other goals

Where free money goes, step: goals without a date and the rest of the emergency fund. · Dashboard: Money

Jar

Where free money goes, step: whatever is left, for the jar. · Dashboard: Money

Emergency fund starter

Where free money goes: the emergency fund's starter cushion. · Dashboard: Money

Where this month's money goes, like a budget.

Money screen subtitle. · Dashboard: Money

Money

Money screen title. · Dashboard: Money

Advanced

Money view: the per-paycheck table and paycheck plan, for spreadsheet people. · Dashboard: Money

Goals

Money view: savings goals. · Dashboard: Money

Overview

Money view: expense breakdown and cash flow. · Dashboard: Money

Plan

Money view: the simple budget groups (the default). · Dashboard: Money

Commitments

Waterfall step: paycheck splits and planned transfers to savings. · Dashboard: Money

Free

Waterfall step: what's left (Free). · Dashboard: Money

Income

Waterfall step: paychecks and other money in this month. · Dashboard: Money

Living

Waterfall step: Living (everyday spending targets) this month. · Dashboard: Money

Required

Waterfall step: bills, subscriptions, debt payments and IOUs this month. · Dashboard: Money

Short

Waterfall step when the month is short. · Dashboard: Money

Free money fills each step in turn: the buffer and the emergency fund's starter, goals with a date at their pace, extra to debt in your payoff plan's order, then other goals and the jar. Debt mode puts debt first.

How the allocation works (details). · Dashboard: Money

{amount} free this month, in this order

Section answer. · Dashboard: Money

Change

Button: opens Money settings (order, buffer, starter). · Dashboard: Money

Buffer and emergency starter are full

Buffer step with nothing to add. · Dashboard: Money

No goals with a date need money

Dated goals step with nothing. · Dashboard: Money

Nothing left for extra to debt

Debt step with nothing. · Dashboard: Money

Nothing left for other goals

Other goals step with nothing. · Dashboard: Money

Nothing left over

Jar step with nothing. · Dashboard: Money

Short {amount} this month: nothing free to send

Section answer when short. · Dashboard: Money

Where free money goes

Section title: the allocation steps in order. · Dashboard: Money

Accounts

Navigation: accounts, cards, loans and BNPL plans. · Dashboard: sidebar (More) and the More sheet

Activity

Navigation: transactions, the review inbox and what repeats. · Dashboard: sidebar and the More sheet

Calendar

Navigation: the month calendar with projected balances. · Dashboard: sidebar and phone tab bar

Debts

Navigation: the Debts screen (what to pay off next, the payoff order). · Dashboard: sidebar and phone tab bar

IOUs

Navigation: money owed between people (IOUs). · Dashboard: sidebar (More) and the More sheet

Jar

Navigation: the jar (pledges, Spend match, bets, no-spend days). · Dashboard: sidebar (More) and the More sheet

Money

Navigation: the Money screen (the simple budget: income, required, living, free). · Dashboard: sidebar and phone tab bar

More

Navigation: the heading over less used places, and the phone tab that opens them. · Dashboard: sidebar heading and phone tab bar

Reports

Navigation: month statements, debt payoff so far and trends. · Dashboard: sidebar (More) and the More sheet

Settings

Navigation: settings. · Dashboard: sidebar and the More sheet

Subscriptions

Navigation: subscriptions and bills found in spending. · Dashboard: sidebar and the More sheet

Today

Navigation: the Today screen (one answer: left to spend this week). · Dashboard: sidebar and phone tab bar

Expense breakdown

Section title: spending by category this month (a donut). · Dashboard: Money > Overview

{amount} across {count, plural, one {# category} other {# categories}}

Section answer. · Dashboard: Money > Overview

Money in and out of checking, savings and cash this month, transfers between them left out.

Cash flow details. · Dashboard: Money > Overview

Cash flow

Section title: money in and out of cash accounts. · Dashboard: Money > Overview

Expenses

Label in the donut's middle. · Dashboard: Money > Overview

In

Cash flow: money in. · Dashboard: Money > Overview

{amount} more in than out

Cash flow answer. · Dashboard: Money > Overview

{amount} more out than in

Cash flow answer. · Dashboard: Money > Overview

No spending yet this month.

Empty donut. · Dashboard: Money > Overview

Other

Donut slice for the smaller categories. · Dashboard: Money > Overview

Out

Cash flow: money out. · Dashboard: Money > Overview

The full statement

Link to Reports > Statement. · Dashboard: Money > Overview

Add a paycheck

Button. · Dashboard: Money > Advanced > Paycheck plan

Done: {name}

Checkbox label (screen readers). · Dashboard: Money > Advanced > Paycheck plan

Covers {from} to {to}

The pay period a paycheck covers. · Dashboard: Money > Advanced > Paycheck plan

{done} of {count} done

Checked lines. · Dashboard: Money > Advanced > Paycheck plan

The paycheck plan splits each paycheck into Required, Living, goals and extra to debt, so every dollar has a job.

Empty paycheck plan. · Dashboard: Money > Advanced > Paycheck plan

Add your pay schedule

Empty paycheck plan. · Dashboard: Money > Advanced > Paycheck plan

estimate

After a paycheck's date when it's an estimate. · Dashboard: Money > Advanced > Paycheck plan

Every dollar has a job.

Footer when nothing is short. · Dashboard: Money > Advanced > Paycheck plan

Buffer

Paycheck plan group: the checking buffer. · Dashboard: Money > Advanced > Paycheck plan

Extra to debt

Paycheck plan group. · Dashboard: Money > Advanced > Paycheck plan

Free

Paycheck plan group: what nothing else needs (was Left in checking). · Dashboard: Money > Advanced > Paycheck plan

Goals

Paycheck plan group. · Dashboard: Money > Advanced > Paycheck plan

Living

Paycheck plan group: everyday spending until the next paycheck. · Dashboard: Money > Advanced > Paycheck plan

Spend match

Paycheck plan group. · Dashboard: Money > Advanced > Paycheck plan