Creating your budget

Zypper uses envelope budgeting

Zypper budgets with the envelope method (also called zero-based budgeting): money you receive lands in an Unassigned pool, and you assign it to categories — the envelopes — until every dollar has a job. A category's budget is money you've actually assigned, so the plan always matches reality.

Setting up

1. Go to your budget page
2. Assign money from Unassigned to your categories — rent, groceries, savings, debt payments
3. As transactions arrive and are categorized, each category shows what you've spent against what you assigned

Categories come in types — income, spending, savings, debt, and transfer — and you can customize them fully.

Keeping it effortless

Zypper can fund your categories for you — see Auto balance. When a category overspends, move money into it from another category rather than abandoning the plan; the point of envelopes is that trade-offs are explicit.