Everything you need to know about Bucktory

What is Bucktory?

Bucktory is a personal finance app built around three core ideas: tracking your real balances, managing recurring income and expenses, and projecting your financial future. Unlike traditional budget apps, Bucktory works from your actual account balances rather than categories.

The Four Tabs

Bucktory has four main sections accessible from the bottom navigation bar.

Quick Action Button

Quick access to Receive Income, Pay Expense, Transaction and Templates.

Receive Income

Opens the income form. If an account is selected, you can choose not to affect its balance. A future date schedules the income.

Pay Expense

Opens the expense form. If an account is selected, you can choose not to affect its balance. A future date schedules the expense.

Transaction

Opens the transaction form with Transfer and Balance Adjustment tabs. You can disable the balance effect for the selected account. A future date schedules the transaction.

• Balance adjustments can be split into installments. The distribution appears below the amount field. The selected date is the first installment date. Installments dated today or earlier are completed; future installments are planned.
• Use the star Save as template button to the left of Transfer, Add or Subtract to save the current transaction as a template.

Templates

• Tap a template to open its form and make changes. Save updates the template; Add or Subtract executes it.
• Long-press a template to execute it directly.

Home

Home provides a complete view of your current financial position.

• Four buttons appear at the top: Premium, Sync, Card order and Settings.

Reordering cards

Tap the sort icon in the header to enter card ordering mode.

• An information banner and small ▲▼ arrows appear on each card. Tap the arrows to move a card up or down.
• Tap the sort icon again or Done in the banner to exit this mode.
• Your custom order is saved automatically and remembered next time you open the app.

Financial Period Summary

Summarizes the selected financial period.

• The selected financial period appears at the top.
• Tap the period to choose a date.
• Use the left and right arrows to view previous or upcoming financial periods.
• Use Back to this month to return to the current financial period.
• Below are Total Assets, Total Debt, Net Worth, Monthly Income, Monthly Expenses and Monthly Net.
• The bottom row shows how much of your expenses your income covers.

Debt Progress

A progress bar summarizes repayment progress for all accounts with negative balances.

• Use the top-right buttons to include or exclude archived accounts and credit cards.

Accounts

Shows each account with its current balance.

• On Android and web, tap an account to access Transfer and Balance Adjustment.
• Long-press an account to open its history. On web, the history shortcut appears when you hover over the row.
• A currency badge appears beside accounts that use a currency different from your main currency.
• Negative-balance accounts with interest configured show a badge with their monthly interest.
• Savings accounts with interest or a monthly contribution show a monthly return badge.
• Payment accounts with negative starting and current balances show a debt progress bar, percentage and starting balance.
• Credit cards with a limit show a limit usage bar, percentage and limit.
• Total Assets, Total Debt and Net Worth appear at the bottom.
• The credit-card statement badge is clickable only for the current financial period. Blue means unpaid; green means marked paid. For cards with monthly spending, marking paid excludes that spending from the current period's expense totals and period summary.
• For loans, the badge beside the name shows remaining months and the expected end date.

Income

Lists income items active in the current financial period.

• On Android and web, tap an income item to open Receive Income.
• A currency badge appears if the item uses a different currency.
• Items with start/end dates also show a date badge.
• After receiving or scheduling an item, its date appears beside the amount. Overdue planned transactions show a warning icon in the date badge.
• Open history by long-pressing a row on Android or using its hover shortcut on web.
• If you have a savings account, a Savings − tax row also appears.
• Balance additions made during the financial period appear in an Addition row.
• Total Income, Total Expenses (including interest) and Monthly Net appear at the bottom.

Expenses

Lists expense items active in the current financial period and works similarly to the income list.

• Unlike income, expense payments can also be assigned to a budget.
• Balance subtractions and transfer fees for the period appear in a Subtraction + fees row.
• Cards with monthly spending are included unless marked paid for the current financial period.

Budgets

Budgets track spending, not income or balance additions. They can be monthly or one-time.

• Long-press a budget to open its transaction history.
• When the limit is exceeded, the amount, progress bar and percentage turn red and a warning icon appears.
• Monthly budgets count only spending in the current month.
• Monthly budgets with a limit show 12 months of performance beside the amount. Over-limit months are red. Tap a bar to see its financial period and amount.
• Limited monthly budgets show Today's spending and a Daily allowance based on the remaining limit and days.
• They also show Estimated monthly spending, based on spending so far.
• One-time budgets count the entire transaction history. Today's spending appears below.

Buckets

Each bucket shows progress, linked savings accounts and their amounts as badges. Total savings across buckets appear below.

Monthly Savings/Interest Details

Monthly Interest Details and Monthly Savings Details appear only when accounts generate interest or savings that month; otherwise they are hidden.

Transactions

Transactions lists income, expenses, transfers, balance adjustments and budget spending chronologically, with detailed charts above.

Charts

Switch between Daily Net, Period Net, Income and Expenses to view detailed charts.

• Choose start and end dates, or shift the range using the arrows.
• Daily Net moves by day; the other views move by financial period.
• Income and Expenses combine pie and period bar charts. Tap an item to see its changes in the bar chart.
• Use the grouping button in the center of the pie to show tagged transactions individually or grouped by tag.
• A dashed line separates past dates from today and future dates in bar charts.

Search, Filters and Display

• Tap the date heading or use the arrows to choose a financial period.
• Use All time or Back to this month to change the range quickly.
• Filter by transaction type, balance effect, account, income, expense, budget and tag.
• Quick-access cards filter completed, planned and overdue transactions.
• Show dates without transactions adds empty date separators, except in All time view.
• The daily net amount in each date separator summarizes that day.
• Tap a date separator to add a transaction for that date.

Managing transactions

Tap the date icon to change only the date, or the row to edit other available details.

• Use Receive today or Pay today for planned income/expenses, and Execute today for planned transfers/adjustments.
• For overdue transactions, Receive, Pay and Execute apply the transaction on its original past date.
• Moving an overdue planned transaction to today or a future date keeps it planned for that date.
• Moving a future transaction to today or a past date executes it.
• Deleting a balance-affecting transaction reverses its balance effect and removes its budget spending.
• Editing an installment changes only that installment, not the entire group.

Projection

Simulates your financial future from the active financial period, using current balances, income, expenses, planned balance movements, debt payments and bucket funding. Dates follow the month-start setting in Settings.

Summary card

The top summary shows debt status (no debt, all debts paid or estimated payoff date) and bucket status (no goal, all filled or estimated completion date).

Goal order

Negative-balance accounts, loans, credit cards and buckets with goals are listed in payment/funding order.

• Reorder goals and include or exclude each from projections.
• The current-month control includes/excludes payment-account interest, credit-card payments and spending, or bucket savings for this month.

Target Payment Plan

Shows how debts, loans, credit cards and bucket goals can be funded together month by month in your chosen order.

• The top-right number selects the months displayed. 0 continues until debts are paid and buckets filled, up to 240 months.

Each monthly row shows:

1Payment capacity

Income, expenses, additions, subtractions, carried balance and interest/tax determine the amount available for debt repayment or bucket funding.

2Paid accounts and buckets

Payments/funding follow your goal order, with amounts in green and resulting balances shown.

For credit cards with monthly spending, debt is paid first (green); interest/tax is then added to unpaid debt (orange), followed by monthly spending (red). If already paid this month, use Exclude this month in Goal Order to start next month.

Buckets receive their linked savings account's monthly return and contribution, when set (theme color/blue). Loans receive their monthly payment; if still unpaid at maturity, the projection tries to pay the maximum possible from that period onward.

3Interest + tax / Deficit interest + tax

The interest and tax cost for the month is calculated from each account’s own rate. If payment capacity becomes negative, a carried-over balance with deficit interest and tax appears. Use the Goal Order control to include or exclude the current month’s interest.

Max months shown

Use the number above the card. Free accounts can enter up to 3 months. The preference is saved and synced.

Target Timeline

A simpler date-focused view showing the month each account or bucket in your goal order is expected to be paid off or funded.

• A card with recurring monthly spending theoretically never ends. It is excluded from the payoff timeline and debt-free estimate, but remains in the monthly payment plan.
• With monthly spending set to 0 or left blank, the card can be paid off like any other debt and is included normally.
• Free accounts see only the first goal.

Savings Projection

Shows compound growth of savings accounts, independently of the debt/bucket plan above.

• Use the top-right controls to switch between monthly/yearly views and choose how far ahead to project.
• Free accounts can see up to 6 months in monthly view only.

Net Worth Projection

Projects net worth (the sum of account balances), accounting for income, expenses, debt payments, bucket funding and savings growth.

• Choose monthly/yearly view and the number of months/years at the top right. This preference is saved and synced.
• Free accounts can see up to 6 months in monthly view only.

Investment Projection

Projects the compound growth of investment items, independently of your accounts. It uses Investment Items in the Interest & Investment tab on the Settings page.

• Each item has its own balance and settings, allowing different rates and terms, such as a deposit and stock portfolio, in one combined projection.
• Free accounts can see up to 5 years in yearly view only.
• For each item, you can configure:

Edit

Manage all your financial data. Use the icon tabs to switch between sections.

Accounts

• Accounts can be Payment (default), Savings, Credit Card or Loan. The type determines the fields and projection behavior:

• Archive an account to hide it without deleting it.

Income Items

• Each income item has a name, amount, optional start/end dates and frequency.
• Its history button lists received and planned transactions.
• Frequency sets the repeat interval in months. Income is not received automatically; completing an income transaction creates its next plan.

Expense Items

Expense items work like income items and reduce monthly payment capacity. Their history button lists paid and planned transactions.

Budgets

Budgets track spending limits, not savings goals. Set a name, optional amount, currency, description and color.

• Switch between monthly and one-time using the repeat button. Blank or 0 means unlimited.
• The history button lists spending linked to the budget.
• Tags can be linked to budgets. Spending with tags linked to a budget is automatically included in that budget. One tag can be linked to several budgets.

Buckets

Buckets are savings goals.

• Each has a name, currency and optional target amount.
• A bucket with a target automatically appears in Goal Order and the Bucket Funding Plan on the Projection tab. Bucktory calculates the month the target will be reached.
• Link savings accounts to a bucket; their balances contribute to its progress and appear as badges on the bucket in Summary. Each savings account can be linked to only one bucket.

Interest & Investment

Interest & Investment under Edit contains general projection assumptions. These two fields are particularly important:

Settings

Open using the gear icon at the top right.

Language

Choose from 12 supported languages.

Theme

Dark and Auto theme are free for all users. Theme colors (accent colors) require Premium.

Currency

Set your base currency automatically (based on your language) or pick a custom one. Accounts, income, expenses, budgets, and buckets can each use their own currency.

Amount display

Choose whether amounts are shown in your main currency or each record's own currency. This setting changes only the display; calculations continue in the main currency.

Date

Set the starting day of the month and your preferred date format. Choose whether badges on the Summary page abbreviate months and hide the current year.

App lock

Premium users can protect the app with a fingerprint or passcode.

Notifications & Widgets

On Android, choose up to three notification times for planned and overdue transactions, daily reminders, overdue transactions, upcoming transactions, credit-card statement days and budget thresholds.

• Financial summary, quick action, account, budget and bucket widgets are Premium Android features.
• Widgets show the device's latest data; web changes appear after the app syncs.

Exchange Rates

Exchange rates update automatically in the background. Tap Refresh in the card header to update now.

Extra currencies: Premium users can add currencies including gold (XAU), Bitcoin and over 60 others.

• An added extra currency can also be chosen as your main currency.
• Tap an extra currency's badge to remove it.

Custom currency: Premium users can define a currency with their own code and symbol.

• Its rate is entered and updated manually, not fetched automatically.
• After entering a rate, tap Confirm to save it or Delete to remove the custom currency entirely.

Backup & Restore

Premium feature. Backup saves a snapshot to the cloud; Restore replaces current data with that snapshot. Unlike continuous sync, this is an optional recovery checkpoint.

Management

Reset All Data returns accounts, transactions, settings and preferences to a new-user state. Backups and transaction backups are retained. It does not delete your account.

Delete Account permanently removes your account and associated cloud data. This cannot be undone.

About

At the bottom of Settings, the About rows open this User Guide, the Changelog showing changes in each version, and the Privacy Policy in your browser.

Cloud Sync

Cloud Sync requires Premium. Free users can use the app offline and sign in. Syncing across devices requires Premium; changes are uploaded automatically when signed in with a Premium account.

Free vs Premium

Bucktory has a free tier and a Premium tier:

Pricing

Monthly, yearly, and lifetime plans are available. Prices may vary by country and region.

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