🚀 Getting Started with Family Budget Tracker

Step 1: Create Your Account

1. Go to family-budget.digraw.xyz
2. Click "Sign Up"
3. Enter your email and create a password
4. Verify your email (check spam folder if needed)
5. Log in to your new account

Step 2: Set Up Your Pay Cycle

Tell us when you get paid so we can track your budget accurately.

1. Go to Settings → Pay Cycle Settings
2. Choose your pay frequency:
   • Weekly - Every 7 days
   • Bi-weekly - Every 14 days
   • Monthly - Once per month
3. Set your Pay Day (e.g., "16" for 16th of month)
4. Click "Save"

Step 3: Add Your Bank Accounts

Add all accounts you want to track. Precision is key here for accurate "Safe to Spend" calculations.

1. Go to Accounts in the navigation
2. Click "+ Add Account"
3. Fill in:
   • Account Name (e.g., "Chase Checking")
   • Account Type (Bank Account or Credit Card)
   • Currency (USD, GBP, EUR, etc.)
   • Initial Balance & Date:
     • CRITICAL: This must be the actual bank balance on the date you select.
     • Example: If you start uploading statements from June 19th, enter the Closing Balance of June 18th as your initial balance, and set the date to June 18th.
     • Bank Accounts: Use positive numbers (e.g., 5000)
     • Credit Cards: Use negative numbers for debt (e.g., -1200)
   • Budgeting Account Checkbox:
     • Check this for cash-flow accounts (Checking, Credit Cards).
     • Uncheck for investment or mortgage accounts (assets that don't affect daily spending).
4. Click "Add Account"

Step 4: Upload Your First Statement & Get Insights (Premium)

Let AI extract transactions automatically. Premium Solo includes 15 uploads/month and Premium Family includes 30 uploads/month.

How to Upload:

1. Go to AI Statement Upload
2. Click "Upload Statement"
3. Select your account
4. Upload your PDF or image (Max ~10 pages recommended)
5. Wait for AI processing and validation.

Validation & Scoring:

• 100% Score: Perfect match! (Opening Balance + Transactions = Closing Summary Balance)
• < 70% Score: Usually means the Account Summary table is missing or unreadable. You will likely need to manually check transactions.
• Correction Process:
  • Check the number of transactions detected vs your statement.
  • Double-check categories and descriptions.
  • If the result is poor, delete the statement and try uploading again (clear image/scan).
  • If correct, click "Confirm & Add" to save to your ledger.

Step 5: Set Budget Limits

Define spending limits for each category to get alerts.

1. Go to Budget → Budget Limits
2. Click "+ Add Budget Limit"
3. Select a category (e.g., "Groceries")
4. Set your monthly limit
5. Click "Save"

Step 6: Create Savings Goals

Track progress toward financial targets.

Physical Goals (Separate Account)

• Use this when you transfer money to a non-budgeting savings account.
• To Fund: Upload the statement for the target account OR use the Fund Transfer button.
• Manual Fund Transfer:
  • Click "Fund Transfer" on the goal card.
  • Select the date (match your bank statement).
  • Important: If the transaction already exists in your uploaded Source Account statement (as a debit), uncheck the "Source Side" box. Only check "Target Side". This prevents duplicate transactions.
  • If no statement exists for either side, check both boxes to create both debit and credit transactions.

Virtual Goals (Mental Allocation)

• Use this to "earmark" money that stays in your checking account.
• To Fund: Click "Quick Fund".
• Select the date and amount.
• This instantly creates an internal allocation transaction and reduces your "Safe to Spend" without moving actual money.

Recurring Goals Note

Step 7: Invite Family

Share budgets and track finances together. Both Free and Premium plans support families!

1. Go to Family in navigation
2. Click "Create Family"
3. Share the invite code with your family.

Compare Family Plans

Choose the plan that fits your family's needs:

🎉 You're All Set!

Congratulations! You've completed the setup.