My Budget

Use Quick setup if you are new to MAYARA. Your MAYARA login is your app account; it is separate from the bank accounts you add inside your budget. Quick Start can be left and continued later, so you can check bank details without losing your progress.

Start by adding the accounts you actually use, then enter an accurate Balance Now and date for each one. Add recurring income and commitments next. MAYARA uses those balances as the starting point for future projections.

Add current accounts, savings, business accounts, cash and investment accounts in their real currency. The Bank Accounts page visually separates them into clear sections such as Current, Savings, Business, Cash and Investments, with icons to make larger account lists easier to scan. Existing accounts with ‘Business’ in their name are shown in the Business section without changing how MAYARA calculates them. Give similar accounts a useful nickname so you can tell them apart.

Balance Now is the real balance you know on the date entered. MAYARA applies scheduled cash flow after that balance date; items already reflected in the balance should not be counted again. Update Balance Now whenever you want to re-anchor the forecast to reality.

Balances keep their pence/cents rather than being rounded to whole units. Where savings information is available, you can also record interest/AER information.

The Transactions page starts with four summary cards, followed by your transaction list. Use search and filters to narrow the list. Select a transaction or recurring schedule to inspect or edit it.

The cards summarise monthly recurring expenses, monthly-equivalent income, net recurring cash flow and groups. The calculated cards are clickable so you can see what contributes to a number instead of treating it as a black box.

Use one-off transactions for known individual payments. Turn on Recurring when a transaction should continue on a schedule. Deleting its recurring schedule stops future projected occurrences; completed history is retained.

Income, expenses and transfers can repeat weekly, every 4 weeks (a true 28-day cycle), monthly, quarterly, every 6 months or annually. You can also choose a particular weekday each month: First, Second, Third, Fourth or Last Monday–Sunday — for example, Second Friday of every month. Each recurring rule can be open-ended, end on a chosen date, or stop after a chosen number of occurrences — useful for an 8-week payment or a 5-month commitment.

When a recurring expense reaches its due date, MAYARA automatically marks that occurrence paid and applies it to the linked bank account. If you pay it early, press Confirm Paid before the due date; MAYARA applies it immediately and will not deduct it again when the scheduled date arrives. Use Undo Paid if you marked the wrong occurrence, or edit the recurring rule when the ongoing schedule changes.

A transfer subtracts money from the source account and adds it to the destination account. It is not external income or spending for your overall wealth. MAYARA keeps the exact source and destination account IDs, which matters when you have several accounts at the same bank.

For a currency conversion, enter the amount leaving the source and the amount received by the destination. This lets MAYARA forecast the actual movement even when the bank's conversion rate differs from the reference FX rate.

Smart Transfers can be linked to recurring income and forecast 100%, a percentage, a fixed amount, or an amount that leaves a minimum balance. An individual future occurrence can be overridden or skipped without changing the underlying rule. MAYARA forecasts transfers only — it never instructs your bank to move money.

Income is managed alongside expenses and transfers. For variable pay, a recurring income can be marked as a baseline. When you enter a known actual income for the same account and month, MAYARA replaces that month's baseline estimate rather than stacking both amounts.

Groups organise transactions and recurring schedules so patterns are easier to understand. Recurring schedules appear directly in the Transactions list; there is no separate recurring-transactions module.

Monthly equivalent puts recurring schedules onto a comparable monthly basis. It is a planning figure, not a claim that exactly that amount will leave or arrive every calendar month. For example, a four-weekly item occurs 13 times per year, so its monthly equivalent is its amount × 13 ÷ 12.

Internal transfers are kept separate from external income/outgoings so moving your own money does not make you appear richer or more highly paid.

Calendar Forecast is MAYARA's main forward-looking view. It combines the old forecast purpose with the clearer day-by-day calendar: choose a date or month to see scheduled income, expenses and transfers and the projected closing balance for each account.

Use Day · Week · Month · Year to change the level of detail, and choose a horizon from 3 months to 5 years. Tap a year to zoom to months, a month to zoom to weeks, or a week to return to daily detail. In Day view, tap a day to inspect the expected transactions behind it. Use Jump to date or the previous/next month controls to move through time. A projected balance is an estimate based on the data you entered — it is not a bank-confirmed balance.

The Project bank balances tool is available on both Home and Bank Accounts, so you can choose a date without leaving the account view.

If a number looks wrong, start with the account's latest Balance Now and its date. Then check scheduled income, expenses and transfers between that date and the forecast date. Click available calculated figures/account rows to inspect the underlying detail and then open the source item where offered.

Common causes of a surprising forecast are an old Balance Now, a duplicate recurring rule, an incorrect transfer destination, a transaction already included in the real balance, or an expected payment whose date/amount has changed.

Credit cards store the limit, current balance, payment account, APR, planned monthly payment and next payment/due date. Update Balance Now whenever you have a newer statement or app balance.

Use Project credit card balances and choose a future date to estimate the balance after monthly interest and card payments already scheduled in Transactions. MAYARA matches the card payment account, card name and/or planned amount/day. If no matching scheduled payment exists, the card’s planned monthly payment is used as a fallback. MAYARA uses APR ÷ 12 as a monthly planning rate. This is an estimate: real issuers usually calculate interest daily and statement timing, new purchases, fees, promotional rates and minimum-payment rules can change the actual balance.

Card purchases count as spending; payments from your bank to a card move money to repay debt and should not make the original purchase count as spending twice.

MAYARA uses saved reference FX rates to show GBP-equivalent totals across currencies. Rates are indicative and your bank's actual conversion rate may differ. Only currency codes are sent to the rate provider; your balances are not sent. Use Refresh Exchange Rates when you want updated reference rates.

When the header says Saved to cloud, your budget has been saved to your private MAYARA cloud workspace. Different signed-in users have separate workspaces.

Use Data → Export MAYARA Data to keep a portable JSON backup. On browsers that support a Save As picker, MAYARA lets you choose where to save it; other browsers use their normal download/share behaviour. Export files use a dated name such as MAYARA-Data-2026-10-14.json.

Import MAYARA Data opens a file chooser and can replace the signed-in workspace from a compatible backup after preview and confirmation. Keep backup files private because they contain your financial data.

Export A4 Summary PDF creates a branded MAYARA summary designed for A4. Your browser print window opens so you can choose Save as PDF, print it, or share the resulting PDF.

Your email identifies your MAYARA login. Use Forgot password? on the sign-in screen if you cannot remember the password, then follow the recovery email and set a new password. Password managers such as Apple Passwords can save the new password for you.

Forecast looks too high/low: check Balance Now/date, then recurring rules, one-offs and transfers. Money appears twice: check for a duplicate rule or an item already included in Balance Now. Transfer is wrong: open the transfer and verify both exact accounts and, for FX, the amount received. Changes are missing: wait for Saved to cloud before closing the app. Before major changes: export a backup from Data.