Finance

Bills, paychecks, cards and debts

Finance replaces the household budget spreadsheet. It works out what comes in each payday, what the bills take, how shared bills split between the two of you, and what’s left. It’s private to the two of you and can be locked with a PIN.

When to use it

• Setting up the household budget once: pay, bills, cards and loans.
• Checking before a bill is due that the bills account has enough in it.
• Deciding which card or loan to pay down first.

Open Finance

Set up paychecks

1. Open Paychecks.
2. Next to a person’s pay, tap Change.
3. Pick the Pay type: Salary (then Salary a year) or Hourly (then Hourly rate and Hours a check).
4. Pick How often: Every week or Every 2 weeks, and any real payday so Tagged knows the schedule.
5. Tap Save.

Take-home is an estimate until you add a real paystub:

1. Tap Add a paystub (or Update from a paystub).
2. Fill in Paid on, Gross (before taxes) and Take-home (net), the net pay line on the stub.
3. Save. Every payday after that uses it.

Under Each payday, Tagged shows how each check splits: what Stays in Bills, what Moves to Spending and what Moves to Savings.

Add bills

1. Open Bills and tap + (Add bill).
2. Type the bill’s name.
3. Under Whose bill, pick one of you (that person pays all of it) or Both (it splits).
4. Type Each payment, and how many payments a year: Monthly, or another number for quarterly, twice-yearly or yearly bills.
5. Set the Due day of the month (monthly bills) or the Next due date (the rest).
6. Pick a Category, like Utilities or Insurance, and whether it’s Paid from the Bills account or Spending.
7. Turn on Autopay if it comes out on its own, and Auto-delivery for things that ship on a schedule.
8. Add the Website and notes if you like, then tap Add bill.

Every bill shows as a monthly amount, grouped by category. Turn off Active to keep a bill but leave it out of every total.

Choose how shared bills split

1. Open Settings (the Finance one).
2. Under How we split shared bills, pick By take-home pay (the default) or Set a percent.

Bills marked for one person always stay with that person.

Add cards and loans

1. Open Cards & Debts and tap Add card or loan.
2. Pick Card or Loan, and whose it is.
3. Fill in the Balance, Interest rate %, Minimum, Planned payment and Due day. For a 0% promo, add the Rate after the promo %.
4. Turn on Paid in full every month for a card you clear each month.
5. Tap Add.

Cards and loans are kept apart. Each is sorted into Pay down first (8% or more), Watch (a promo), lower rates, Needs a rate, and Paid in full each month.

Read the Overview

• Money in: this month’s paydays times take-home.
• Left over: money in, minus this month’s bills, minus the spending plan.
• Emergency fund: the balance and how many months of bills it covers.
• Should be in Bills checking: what the rest of this month’s bills need from today. Tap it to type in the real balance and see if you’re over or short.
• Coming up: the next bills, with Autopay or Pay by hand.

Lock Finance with a PIN

1. Open Finance Settings and find Lock.
2. Tap Set a PIN, pick a 4-number PIN, and enter it again.
3. On a phone with Face ID, turn on Face ID on this device to open it with your face.

Finance then asks for the PIN after 15 minutes away. Lock now locks it at once, and Turn off the lock removes it. Five wrong tries make you wait 5 minutes.

Questions

Still stuck? Send feedback from the ? menu at the bottom of the app bar on a computer. Back to the help center