Financial wellness income plans help

The Financial Wellness Income section lets you choose how planned income is handled and add or review expected income timing. Income plans may also appear in Settings while older links may still say “income schedule,” but the feature is now described as income plans.

Income plans are optional planning assumptions. Naverica uses income transactions first. Add a plan only when income timing is unclear, a detected income source needs review, or you want planning views to use your own income-source assumptions.

Income plans do not move money, verify employment, guarantee deposits, create income, change your bank account, or determine cash advance eligibility.

Planned Income Mode

The Income section may let you choose between:

• Manual estimate: enter the monthly income amount you want Budget to use.
• Income plans: calculate planned income from active expected income plans.

Use a manual estimate when you want a simple monthly planning number. Use income plans when timing matters, such as comparing upcoming bills with a known next pay date. If Income Plans mode is selected but no active income plans exist, add or confirm a plan before relying on the planned income number.

What The Summary Shows

The top summary helps you understand which income plans are currently available for planning:

• Active sources: income plans with Active status.
• Next expected income: the earliest next expected date across active plans.
• Expected amount: the total expected amount for active plans on that next expected date.
• Needs review: detected plans waiting for confirmation or ignore.

If no active plan has a next expected date, the next income date may show as unavailable even if income transactions still exist in your transaction history.

When To Add An Income Source

Use Add income source when:

• your paycheck timing is not clear from recent transactions;
• you have more than one income source;
• you want Budget and goal timing to use a known upcoming income date;
• a side-income, partner-income, or benefit-income plan is useful for planning;
• income cadence insights point you to review income timing.

You do not need to add a plan when recent income transactions already make the timing clear enough for your Budget.

Adding An Income Source

To add an income source:

1. Open Financial Wellness.
2. Select Income.
3. Open Income plans.
4. Select Add income source.
5. Enter the plan details.
6. Select Add income source.

The add form may ask for:

• Name: a label such as Primary job, partner income, or side income.
• Cadence: not set, weekly, every two weeks, twice monthly, monthly, or custom.
• Next expected date: the next date you expect this income.
• Expected amount: the amount you want planning views to use.
• Employer or source: an optional employer or income-source label.
• Notes: optional context for yourself.

Amounts are planning estimates. Enter the amount you want the app to use for planning, not bank credentials or payroll login details.

Editing An Existing Income Plan

Each saved plan can be edited directly on its card or in the edit drawer. You can update:

• name;
• cadence;
• next expected date;
• expected amount;
• employer or source;
• status;
• notes.

Select Save source after making changes.

Cadence Options

Income plan cadence options include:

• Not set: no clear cadence is assigned yet.
• Weekly: expected once per week.
• Every two weeks: expected every other week.
• Twice monthly: expected two times per month.
• Monthly: expected once per month.
• Custom: timing does not fit a standard cadence.

Cadence helps planning views understand timing, but it does not confirm that a deposit will happen.

Income Plan Statuses

Income plans can have these statuses:

• Active: can be used to fill timing gaps in planning views.
• Needs review: detected plan that should be confirmed or ignored before planning uses it.
• Ignored: kept visible but not used as an active planning source.
• Archived: removed from the visible income plans list.

Detected plans may come from connected-account data. Review them before relying on them for planning.

Confirm, Ignore, And Archive

If a plan shows Needs review, you may see:

• Confirm: marks the plan active so planning can use it.
• Ignore: keeps the plan out of active planning.

Any visible plan can be archived with Archive. Archiving removes it from the Income plans list. If you need the income source again later, add a new plan.

Manual And Connected Sources

The source label explains where the plan came from:

• Manual: entered or edited by you.
• connected data: detected from account information or recurring income signals.

Connected-data plans may show an institution, account, or confidence value. Confidence is a signal about the detected pattern, not a guarantee that future deposits will match it.

How Income Plans Affect Budget

Income plans can help Financial Wellness estimate short-term timing, especially when upcoming bills need to be compared with expected income.

You may see income plan effects in:

• Budget summary and next 30 days review;
• before-next-income readiness;
• weekly Budget check-ins;
• goal readiness and reminders;
• income cadence insights.

The Budget still uses posted income transactions first. Income plans fill timing gaps; they do not replace your bank records.

For more about Budget timing, see Financial wellness Budget overview and check-ins. For income-related insights, see Financial wellness Insights help.

Why Amounts Or Dates May Look Different

Income timing can look different when:

• a transaction is still pending;
• a payroll deposit posts early or late;
• an employer changes payroll timing;
• more than one active plan shares the same expected date;
• a detected plan has not been confirmed;
• connected account data is stale;
• the plan amount was left blank or set to zero.

If connected account data appears stale, review Connected accounts and sync help.

When To Contact Support

Contact in-app support if:

• Add income source does not open;
• saving a plan fails repeatedly;
• a confirmed plan still shows as needing review;
• an ignored plan continues to affect planning;
• the next expected income summary does not match active plans;
• an archived plan continues to appear;
• connected income plans are based on stale account data after reconnecting.

Do not send payroll credentials, bank credentials, account numbers, pay stubs, full transaction exports, screenshots with private account details, one-time codes, or identity documents by email.