Money Flow
Your pay lands in one account and splits into three on payday. Set what goes into each one below — that's the whole budget. We'll show you the automatic payments to set up at your bank once the amounts are in.
Incomes
Add your after tax salary i.e. what lands in the bank.
Your transfer hasn't shown up in your bank feed this fortnight. Did it run?
Set up an automatic payment of from to , on payday (next: 19/09/2026).
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No account connected yet. Pick the bank account this bucket's money lives in.
Estimated — Kernel doesn't send transaction detail, so this is worked out from the balance.
Everything you spend from this bucket is tracked by category on your reports. A target just adds a figure to watch.
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These are the amounts set aside each payday.