Budgets and Envelopes
Plan your spending with 5 different budget strategies.
6 articles
Envelope Budgeting
How the default envelope budgeting method works in NivoaFlow: allocate money to category envelopes and track spending.
Zero-Based Budgeting
Assign every dollar of income to a specific category until your remaining balance reaches zero.
The 50/30/20 Rule
Budget using the simple 50% Needs, 30% Wants, 20% Savings framework.
Pay Yourself First
Prioritise savings by setting a savings target before allocating the rest to spending.
Plan vs. Actual View
Compare your budgeted amounts against actual spending with status-based variance tracking.
Switching Budget Methods
How to change your budgeting method without losing your data or transaction history.