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Dashboard
Current balance
$0.00
Cash available right now
Safe to spend until payday
$0.00
After the money still reserved
Next payday
—
Add income to begin
Projected end of month
$0.00
After planned cash flow
This week
Current weekly plan
Food / groceries$0.00 left$0 budget · $0 spent
Gas$0.00 left$0 budget · $0 spent
Other flexible$0.00 left$0 budget · $0 spent
Bills still due$0.00No bills due this week
Debt / extra payments$0.00No debt payments due this week
Coming up
Next 14 days
On track
What the plan says now
Before next payday$0.00
End of month$0.00
Extra debt paid this month$0.00
Plan statusOn track
Bloom Balance will flag the plan here when something needs attention.
2 Pay Periods
Current paycheck + what comes next
Bills & Planned Spending
Build the plan yourself, then use statements to update or add items when you recognize them.
How this version works: your planned list is the budget. A bank statement never decides what belongs here. From Statements, choose Add bill on a transaction you recognize, or use recurring suggestions as a shortcut. Bills, weekly budget items, and savings transfers can all be scheduled and allocated to the pay period when they occur.
Your bill list
Planned item
Type
Amount
Next due
Frequency
Category
Autopay
Actions
Suggestions from statements
Optional — these are not bills until you add them
The app can point out recurring-looking charges, but they stay separate from your real bill list. You can also add any individual transaction directly from the Statements tab even if it is not detected as recurring.
Possible bill
Latest amount
Timing
Frequency
Category
Evidence
Actions
Debt & Extra Payments
Track car loans, credit cards, required payments, and any extra payments you want to budget.
Required vs. extra: the required payment is reserved automatically on its due date. Extra payments are separate, so you can add, edit, pause, or remove them without changing the normal car or credit-card payment. A payment marked Paid stays in your history but is not subtracted from your current balance again.
Tracked debt balance
$0.00
Balances you entered
Required next 30 days
$0.00
Minimum / required payments
Extra planned next 30 days
$0.00
Your extra-payment budget
Extra paid this year
$0.00
Logged extra payments
Debt accounts
Required payments are included in projections
Account
Type
Balance
APR
Required payment
Next due
Frequency
Actions
Extra-payment plan & history
Planned extras affect your projection. Paid extras are history only because your current bank balance already reflects them.
Debt
Amount
Date / next date
Frequency
Status
Notes
Actions
Income
Add paychecks or other incoming money.
Income source
Amount
Next date
Frequency
Notes
Spending
Record variable purchases and compare them to category limits.
Change the month to review past or planned spending.
Transactions
Date
Description
Category
Amount
Category budgets
Budget
Set weekly Food/Groceries and Gas amounts, plus flexible spending for each paycheck.
Budget timing: Food/Groceries and Gas are set per week. A normal 14-day paycheck window reserves two weekly amounts. Other flexible spending remains a per-pay-period amount. Your statement history is only a comparison unless you choose a history-based forecast.
My spending budget
Weekly + pay period
About $0.00 for a 2-week pay periodTypical from statements: —
About $0.00 for a 2-week pay periodTypical from statements: —
Typical from statements: —
Choose “My budget only” when you want the numbers above to control the forecast.
Typical spending per pay period
Prior pay periods
Food / groceries$0.00
Gas$0.00
Other flexible$0.00
These are per-pay-period estimates, not daily allowances. The typical amount is the median of prior complete paycheck windows. Use See calculation to view the pay periods and categories behind each number.
Current pay-period budget
Waiting for paycheck data
Add income/paycheck dates to see budget used and remaining.
Debt payment budget
Required car/credit-card payments and your planned extra payments are budgeted separately from Food, Gas, and flexible spending.
Monthly category limits
These are optional monthly category limits for your Spending screen. They are separate from the per-pay-period Food/Gas budget above.
Statements & Feed
Import downloaded bank or credit-card data and turn it into live budgeting feedback.
Imported transactions
0
No imports yet
Statement spending this month
$0.00
Net statement spending, excluding transfers
Recurring patterns
0
Bills and income inferred from history
Needs review
0
Uncategorized transactions
Drop statement files here
PDF, CSV, TSV, QFX and OFX are supported. PDF text is extracted in your browser and reviewed before anything is added.
PDF statement support: Accessible Chase checking statements are now recognized automatically with Chase-specific transaction, refund, transfer, payroll, recurring-purchase, and running-balance rules. Other text-based bank PDFs still use the general review importer. Scanned/image-only PDFs are flagged instead of guessed.
Transaction feed
Date
Description
Category
Account
Amount
Actions
Live feedback
Based on imported history
Recurring activity
Import history
Pay Periods
See what this paycheck and the next one need to cover, including your normal food, gas, and everyday spending.
Current balance
$0.00
Cash available now
Next payday
—
Add income to begin
Bills before next pay
$0.00
Known bills in the current window
Projected left
$0.00
After bills + planned + everyday spending
2 Pay View
Two complete paycheck windows
Pay-period projection
Longer-range paycheck view
Pay date
Through
Expected income
Bills
Debt
Planned / savings
Pay-period budget
Projected left
Selected pay period
Choose Details on a paycheck
The detail view will show the bills due, planned spending, food/grocery allowance, gas allowance, and cash-flow breakdown for that paycheck.
Projection
See how scheduled income, bills, your paycheck budget, and planned spending affect your balance.
Spending used by the projection
Controlled by your pay-period budget — not a raw daily bank average
Food / groceries$0.00per full pay period
Gas$0.00per full pay period
Other flexible$0.00per full pay period
Forecast total$0.00per full pay period
Your Budget tab remains the main place to set Food, Gas, and Other.
% of forecast
100% = normal plan. Use 90% to model a 10% spending cut, 80% for a 20% cut, etc.
Each row groups deposits on a payday, then shows bills, debt payments, and the remaining pay-period budget before the next payday.
Pay date
Expected income
Bills + debt to cover
Planned + everyday remaining
Balance after period
Settings
Adjust your starting point, appearance, and backups.
Money settings
Starting balance
The cash balance used at the beginning of your projection.
Low-balance warning
Flag the projection when your balance falls below this amount.
Historical spending window
How many recent days of statement activity should shape your variable-spending forecast.
Include pay-period spending budget in projections
Reserve Food/Groceries, Gas, and Other flexible spending from each paycheck window. Statement history is only used when you choose a history-based forecast method.
Food & gas pay-period budget
Set Weekly Food/Groceries and Gas amounts, plus flexible spending for each paycheck window.
Currency
Controls how amounts are displayed.
Appearance & data
Color theme
Choose a mixed-color look for Bloom Balance. Your choice is shared with the workspace.
Sage & Gold
Export backup
Download bills, debts, extra payments, income, spending, budgets, and settings.