Your Virtual Wallet^® Guide

The calendar helps you manage cash flow and bill payments in one place. Plan ahead by adding your paydays and bills, so you always know what’s coming in and going out.

• Add Paydays: Set the amount and frequency to see what’s left after bills.
• Add Bills: Include recurring payments like subscriptions or your mortgage.
• Watch for Danger Days: Get alerts when your balance might dip below zero, so you can take action early.

Once your Calendar is set up, use Money Bar to see where your money is going. It breaks your balance into four easy-to-understand categories:

• Scheduled Out: Bills and expenses you've added to your Calendar.
• Free Balance: What’s left in your Spend account after scheduled bills.

Now that your Calendar and Money Bar are set up, take advantage of a few more tools to help you stay on track:

• Spending by Month: Monitor monthly spending patterns to see how your expenses change over time.
• Spending by Category: Organize spending into categories for a clearer view of where your money goes.
• Budgets: Set spending limits by category and track your progress to help stay within your budget.