Budgets

Creating a Budget

Go to the Budget tab and tap +. Choose a category, set an amount, and pick your period:

• Weekly — budget resets every Monday (recommended for most people)
• Monthly — budget resets on the 1st of each month

KineXi creates one budget per category per period. You can have budgets for as many categories as you want.

The 50/30/20 Rule

During onboarding, KineXi suggests budgets based on the 50/30/20 rule:

• 50% Needs — essentials like Food, Transport, Utilities, Health
• 30% Wants — Entertainment, Shopping, Subscriptions, Travel
• 20% Savings — Emergency Fund and other savings goals

These suggestions are a starting point. Edit any budget amount at any time by tapping it and choosing Edit Budget.

Tracking Progress

Each budget card shows a progress bar, the amount spent, and how much remains. The color changes as you approach your limit:

• Green — under 80% spent
• Amber — between 80% and 100% spent
• Red — over budget

Tap any budget card to see which individual transactions contributed to it and the spending trend over previous periods.

Rollover

When rollover is enabled for a budget, any unspent amount carries forward to the next period and adds to your limit. This rewards disciplined weeks by giving you a little extra breathing room.

To enable rollover: tap a budget → Edit Budget → toggle Roll over unused amount.

Rollovers appear as a distinct line in the budget card so you always know what your base limit is versus what carried over.

Alerts

KineXi can notify you when you hit spending milestones within a budget period. Configure alerts per budget from Edit Budget → Alert Settings:

• At 50% of budget used
• At 80% of budget used
• When budget is exceeded

Each alert type can be toggled independently.

Budget Analytics

The Insights tab within Financial Intelligence includes a Budget Performance card that shows how many of your budgets are currently on track, how your spending compares to previous periods, and which categories consistently run over.