Budgeting

Set it once. Stay on target.

Give each category a monthly amount and Zypper tracks what you’ve spent against it. Amounts carry forward, unspent money can roll over, and Zypper will even suggest budget amounts for you.

September budgetAuto setAuto set

$3,352spent of $4,620$225 under pace$225 under pace12 days left

$4K$2K$0

Sep 1Sep 8Sep 15Sep 22Sep 30

Essentials$2,877 of $3,490

Rent$2,100 of $2,100

Groceries$412 of $800

Utilities$148 of $220

Transport$121 of $250

Subscriptions$96 of $120

Flex · one shared amount$440 of $900

Dining$218

Shopping$140

Fun$82

Rolls over$35 of $230

Car repairsRolls over$450 available

Gifts$35 of $80

Auto set

Start from your real numbers.

Our feature reads your last three months and proposes an amount for every category from what you actually earned and spent. It says what it will replace before it runs, and every number stays editable afterward.

SpendingSpentBudgeted

Essentials5$2,877 of $3,490

Rent$2,100$2,100

Groceries$412$800

Utilities$148$220

Transport$121$250

Subscriptions$96$120

Auto set spendingSets every spending amount to your average from the last three months.

ReplacedAmounts you’ve already set

KeptAmounts set for a specific month

CancelAuto set

Rollover & Flex

Built for lumpy months and shared spending.

Turn on rollover for a category and whatever you don’t spend carries into the next month, so the amount available grows until you use it. Mark categories as Flex and they draw from one shared amount while their transactions stay categorized.

Car repairsRolls over

$450available in September$150 a month

$150

May

$300

Jun

$450

Jul

$300

Aug

$450

Sep

This monthCarried overAug · brake service $300

Roll over unspent budget

Rolling over sinceMay 2026

Starting balance$0

FlexOne shared amount$900

$440spent of $900$460 left

Dining$218

Flex

Shopping$140

Flex

Fun$82

Flex

RecentStill categorized

ChipotleDining$14.20

LululemonShopping$88.00

AMC TheatresFun$32.50

What counts

Not every transaction should count.

Reimbursed work expenses, money moved between your own accounts, one-off oddities. Exclude a single transaction or a whole account from the budget, and transfers between your own accounts are handled for you.

Delta Air LinesCard 4832 · Sep 9$486.20

CategoryTravel

Budget impactNormalExcluded

Still in your list, balance and net worth

One transactionSet its budget impact to Excluded. It stays in your transaction list, your balance and your net worth; only the budget leaves it out.

Business CheckingChase · Checking ••4471$8,412.00

Include in the budget

ConnectionConnected

Balance still counts toward net worth

A whole accountTurn off for an account that isn’t day-to-day spending, like a business account. Its balance still counts toward net worth.

Transfer to SavingsChecking 4832 · Sep 8−$500.00

Transfer from CheckingSavings 7710 · Sep 8+$500.00

Recognized asTransfer

A movement, not income or spending

Transfers, automaticallyMoney moved between your own accounts isn’t income or spending. When both sides are recognized, Zypper treats them as a movement, not budget activity.

Every category is yours to change.

Zypper starts you with a sensible default set. Give any category its own name, emoji, color and type, move it between groups, and archive the ones you no longer use. Changes flow through your budget, cash flow, filters and rules.

SettingsCategoriesNew groupNew categoryNew category

Income1Group

💼PaychecksIncome

Savings & debt2Group

🏦Emergency fundSavings

🚗Car loanDebt

Essentials4Group

🏠RentSpending

🛒GroceriesSpending

💡UtilitiesSpending

🚌TransportSpending

Archived2

Edit category🛒

NameGroceries

Emoji🛒

Color

TypeSpending

GroupEssentials

Archive categorySave

FAQ

Budgeting questions, answered.

Your money, accounted for.

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