Financial wellness Budget overview and check-ins

The Financial Wellness Budget section helps you organize a monthly cash-flow budget. It can compare planned income, savings, bills, debt, flexible spending, and cleared transaction activity so you can review what may need attention.

Budget is a planning and awareness tool. It does not move money, hold funds, pay bills, guarantee savings, make underwriting decisions, or provide personalized financial advice.

Creating This Month’s Budget

If you do not have a Budget yet for the selected month, Naverica shows a starter budget preview. The preview may use connected-account transaction history when available, copy active categories from your most recent prior Budget, or start with default manual categories when connected data is limited.

The starter preview can include:

• estimated monthly income;
• essentials and debt;
• flexible spending;
• suggested savings;
• likely recurring bills to confirm;
• a confidence label based on available data.

Select Create budget to save the starter budget. The Budget includes Summary, Check-in, Categories, Recurring, Trends, and Scenario. Goals is a separate top-level Financial Wellness destination for goal records, monthly goal contributions, check-ins, reminders, and goal tools.

If the month selector says setup is needed, creating that month may copy active category names, types, planned amounts, due dates, and rollover settings from the previous Budget so you do not have to rebuild routine categories. Review copied categories before relying on them because old bills, spending patterns, and savings targets may no longer fit the new month.

Summary

The Summary section shows the monthly cash-flow snapshot. It is the best place to start before changing categories or completing a review.

Key fields include:

• Planned income: your monthly income estimate.
• Fixed bills and debt: planned essential bills and debt payments.
• Savings: the monthly savings estimate in the Budget.
• Available after essentials: planned income minus fixed bills, debt, and savings.
• Flexible budget: whether flexible spending looks available, tight, above budget, or not set.
• Next 30 days: whether upcoming obligations and expected income look ready, tight, or worth reviewing.

Use Edit amounts to adjust savings. Use the Income section when you need to change the planned income mode, update a manual income estimate, or manage income plans. Category-level amounts are handled in the Categories section.

How Calculations Work

The calculation details explain the Budget in two ways:

• Available after essentials: starts with planned income, then subtracts fixed bills, debt, and savings.
• Next 30 days basis: uses due-dated bills, expected income timing, and current Budget data to estimate short-term room.

These calculations depend on the information available in Naverica. If connected-account data is stale, if income timing is missing, or if transactions are still pending, treat the result as a prompt for review rather than a final answer.

Income Timing

The Summary section may show an income timing nudge when Naverica cannot confidently compare upcoming bills with your next expected income.

You may see prompts such as:

• add a next pay date;
• add an expected income amount;
• review bills due before income arrives;
• update the income plan.

Use the Income section when transaction history does not make pay timing clear or when you want to choose between a manual income estimate and income plans. This is optional and should match your own expectations.

Goal Impact

If you have active goals, Budget can show how suggested goal contributions affect this month. Goal impact may point out:

• suggested monthly goal contributions;
• goals that need attention;
• goals excluded from this month;
• whether goal contributions make the Budget tight.

Goal impact is for planning only. It does not transfer funds or reserve money.

Use the top-level Goals tab to review saved goals, this month’s goal contributions, goal check-ins, reminders, and goal tools.

Weekly Check-In

The Check-in section gives you a short review list for the current Budget. Items may be marked Ready or Review.

Common check-in items include:

• update spending totals;
• review pending activity;
• confirm upcoming bills;
• check flexible categories;
• revisit one goal;
• scan the next 30 days.

Use Review bills to jump into category review when the check-in points to category or bill issues. Select Complete review only after you have handled the review items that matter to you. Completing a review stores the check-in summary and helps the Trends section compare changes over time.

Refreshing Totals

If the Budget warns that connected data may be out of date, use Refresh totals or reconnect the account before relying on the Budget. Refreshing updates Budget actuals from available cleared transactions.

Pending transactions may still be excluded or may change later. For pending and manual transaction details, see Financial wellness transactions help.

When To Contact Support

Contact in-app support if:

• you cannot create a Budget;
• copied prior-month categories are missing or no longer match your current plan;
• the Budget remains locked after creation;
• refreshed totals do not match visible cleared transactions;
• a stale-data warning remains after reconnecting;
• completing a weekly check-in fails repeatedly.

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