How to Make a Monthly Budget in Four Steps
- 1Start from a planPick your household or your business. Enter your monthly income and get a 50/30/20 or operating budget to adjust.
- 2Give every dollar a jobSet an amount for each line until “left to plan” reaches zero.
- 3Track as you spendBusiness lines fill in from your books. Add personal spending in a couple of taps.
- 4Roll it forwardWhat you don’t spend carries into next month, and the 6-month trend shows where your money goes.
Why BlissPoint Access over YNAB, Monarch Money, Quicken Simplifi?
- ✓Business budgets read the same books as your profit and loss report, so there’s nothing to import or reconcile.
- ✓Unspent money rolls into next month automatically, and you can set a different amount for any single month without changing the plan.
- ✓Warnings at 80% and over 100% of every spending line, so you see trouble before the month ends.
- ✓Savings goals tell you how much to put aside each month to hit the target date.
- ✓Ask Aiva “how am I doing this month?” and get the answer from your budget.
What You Get
- Personal and business budgets
- 50/30/20 and operating-budget starter plans
- Actuals from Bookkeeping categories
- Spending entered by hand
- Rollover of unspent money
- Different amount for a single month
- Warnings at 80% and over budget
- Savings goals with a monthly target
- Income, spending and saving totals
- 6-month trend
Frequently Asked Questions
Is the budget tool included?
Yes. Budgets are part of every BlissPoint Access plan.
Can I use it for my business?
Yes. Link a budget line to a Bookkeeping category and it fills in from your books automatically.
What is rollover?
Money you planned but didn’t spend on a line is added to next month’s amount for that line. Overspending is carried forward too, so the plan stays honest.
Is my data safe? Could I ever lose my work?
Your work is saved as you go, and our database keeps a rolling restore point covering the last 6 hours, so a recent mistake can be undone to the minute. Every night we also back everything up to a separate, encrypted cloud storage provider, keeping every nightly copy for 35 days and one copy a month for a year. Because the backups live with a different provider than the database, an outage or problem at one never takes your work with it.
Ready to use Budgets?
It comes with every BlissPoint plan, along with every other tool your business needs. Try it all free for 14 days, no credit card needed.
Other Useful Tools
Coming Soon
A look at what's next as BlissPoint Access keeps growing.
The Next Chapter
Payroll and benefits, embedded business banking with virtual cards, business insurance, international money transfers and small business lending — joining the invoicing in any currency and credit building that are already live.
Creator Payments, Merch & Livestreaming
Tips, memberships, digital products, print-on-demand merch and livestreaming — joining the creator home page, owned audience list and Lifeboat backup that are already live.
Education & Tutoring Platform
AI-guided lessons plus live tutors for languages, music, art, trades, and more — for students and lifelong learners alike.
Even More on the Way
An all-inclusive property management suite, human resources software, personal finance tools, more wellness and mental health tools, and much, much more…