What is Bucktory?
Bucktory is a personal finance app built around three core ideas: tracking your real balances, managing recurring income and expenses, and projecting your financial future. Unlike traditional budget apps, Bucktory works from your actual account balances rather than categories.
Accounts
Track all your bank, cash, credit, or investment accounts in one place.
Income & Expenses
Define recurring income and expense items with optional start/end dates.
Budgets
Track completed spending with monthly or one-time limits.
Buckets
Set savings goals (buckets) and see when they'll be funded.
Projections
Debt payoff timelines, net worth growth, and investment projections.
The Four Tabs
Bucktory has four main sections accessible from the bottom navigation bar.
| Tab | What it shows |
|---|---|
| 📊 Summary | Your financial snapshot: account balances, this month's income & expenses, budgets, buckets, and projections at a glance. |
| ↕ Transactions | Your complete transaction history, daily net movement chart, filters, and planned transactions in one place. |
| 📈 Projection | Long-term projections: debt payoff plan, bucket fill plan, net worth, and investment growth. |
| ✏️ Edit | Add, edit, or delete accounts, income items, expenses, budgets, and buckets. Also where you receive income and pay expenses. |
Summary
The Summary tab gives you a complete picture of your finances right now. At the top of the page you'll find four header buttons: Premium, Sync, Card order, and Settings. The sync button's icon and behavior differ for free vs. Premium users — see Cloud Sync for details.
↕️ Reordering cards
Tap the sort icon in the header to enter card sorting mode. While active, an info banner appears at the top and small ▲▼ arrows show up in the top-right corner of every card — tap them to move a card up or down. Tap the sort icon again, or tap Done in the banner, to exit. Your custom order is saved automatically and remembered the next time you open the app.
▤ Transaction history
All records are available from the Transactions page in the bottom navigation. There you can filter records, edit their dates or details, complete planned transactions, and delete a record when needed.
🏦 Accounts
Shows each account with its current balance. On the Android app, tap a card's header (Accounts, Income, Expenses, Buckets) to collapse or expand it. If an account uses a currency different from your base currency, a small currency badge appears next to its name. Accounts with interest configured also show an interest + tax badge with that account's own monthly amount. The footer displays Total Assets, Total Debt, and Net Worth. Tap Edit to go directly to account editing.
💰 Income — this month
Lists all income items active this month. Each row is tappable — tapping it opens the same modal as the Al / Receive button, letting you log that the income arrived. If an item uses a different currency, a currency badge appears next to its name; items with a start/end date also show a date badge, and once received (or planned), a badge to the left of the amount shows that date. If you have savings accounts, a Savings - tax row also appears here. The footer shows Total Income, Total Expenses (with interest), and Monthly Net.
💸 Expenses — this month
Lists all expense items active this month, with the same currency/date badges as Income. Tapping a row, or the Öde / Pay button, opens the payment modal. Debt accounts also show an interest + tax row here. The footer shows Total Income, Total Expenses (+ interest), and Monthly Net.
📒 Budgets
Each budget card shows completed spending and—when a limit is set—the remaining amount and its progress. Monthly budgets count only the current month's spending, while one-time budgets count every entry in their history. When spending exceeds a limit, the progress bar and percentage turn red and an overspending warning appears.
🪣 Buckets
Shows each savings bucket with its linked accounts shown as badges (with each account's contributed amount) and progress toward the target. The footer shows total savings across all buckets.
⏱ Debt Progress & Savings/Interest Details
The Debt Progress card shows a progress bar toward paying off all negative-balance accounts. Its header has a checkmark button — tap it to include or exclude archived accounts from the calculation. Monthly Interest Detail and Monthly Savings Detail cards appear only when you have accounts that actually generate interest or savings that month — otherwise they're hidden entirely. For the full payoff schedule and timeline, see the Projection tab.
Transactions
The Transactions page shows income, expenses, transfers, balance adjustments, and budget spending in one chronological list. The daily net movement chart at the top summarizes recent money in and money out.
Filtering and view
Filter records by status, account, income, expense, and budget. You can view completed, planned, and overdue transactions separately, and use the daily totals beside date dividers to understand each day's net movement.
Managing transactions
Tap the date icon to change only a transaction's date. Tap a transaction row to edit its available details. Complete planned income and expenses with Receive or Pay, and apply planned transfers and balance adjustments with Complete. Deleting a record automatically reverses its linked balance and budget effects.
Projection
The Projection tab simulates your financial future based on your current account balances, income, and expenses — Bucktory's most important tab. The header is the same as Summary (Premium, Sync, Card order, Settings). All projections start from next month — the current month's balance is treated as already settled.
⭐ Hero card
At the top, a summary card shows a one-line status for your debts ("No debt" / "All debts paid off" / a projected closing date) and your buckets ("No bucket goals" / "All buckets full" / a projected fill date). This card is Premium-only — free users don't see it at all; everyone still gets the detailed cards below it.
🎯 Goal order
Lists every negative-balance account and every bucket that has a goal, in the order they'll be paid off or funded. Use the ↑ ↓ buttons to change the order. Each row also has a checkmark toggle: tap it to include or exclude that specific goal from the projection without deleting it — useful if you want to plan around a debt or bucket temporarily. This order directly drives every calculation below it.
Target Payment Plan
Shows month-by-month how your debts and bucket goals are funded together, in your goal order — once the debts ahead of it are paid off, surplus income moves on to fund the buckets that follow. This card can be collapsed/expanded, and a number input in its top-right corner controls how many months are shown. Each monthly row displays:
Total income minus total expenses minus interest — what's available that month to pay down debt or fund buckets. In the current month this uses your unreceived income and unpaid expenses instead of the full monthly totals.
The negative-balance accounts and bucket goals being paid down or funded that month, in your goal order, with the amount applied to each — shown as a +amount badge for buckets, alongside the running total vs. target once a bucket has one.
The interest and tax cost for the month, based on each account's own configured rate. If your payment capacity goes negative instead, a "carried over" balance appears along with its own Deficit interest + tax — this uses the separate Monthly deficit interest/tax rates from Projection settings, not any account's own rate, and represents the cost of letting that shortfall deepen instead of shrinking. Use the goal row's include or exclude this month control to reflect whether the current month's interest participates in the plan.
Use the number input at the top of the card: free accounts can enter up to 3 months, Premium can enter any number of months, or 0 for an unlimited view. This preference is saved and synced.
🗓️ Target Timeline
A simpler, date-first view of the same plan: for each account or bucket in your goal order, it shows the exact month it will be paid off or reached. Free accounts only see the first goal in the list; Premium shows every goal, however many there are.
🏦 Savings Projection
Shows how your Savings-type accounts will grow with compound interest over time — separate from the debt/bucket plan above. Toggle between monthly and yearly view and enter how many months/years ahead to project in the card's top-right corner. If you have no savings account with a balance or monthly contribution, this card is hidden with an info message in its place. Free accounts see up to 6 months ahead in monthly view only; Premium unlocks the full range plus the yearly view.
Net Worth Projection
Projects your total net worth (all account balances combined) over time, accounting for income, expenses, debt payoff, bucket funding, and savings growth. Toggle monthly/yearly and enter how many months/years ahead to project in the top-right corner; this preference is saved and synced. Free accounts see up to 6 months ahead in monthly view only; Premium unlocks the full range plus the yearly view.
Investment Projection
Projects the compound growth of your investment items — entirely separate from your regular accounts. Each item has its own balance and its own settings, so items with very different rates or terms (say, a savings deposit vs. a stock portfolio) can be modeled side by side and summed into one combined projection. If you have no investment item with a balance or contribution, this card is hidden with an info message in its place. Each item lets you set:
| Field | Description |
|---|---|
| Balance | The item's own current balance — its starting point, entirely independent of any other item. |
| Term contribution | How much is added to this item's balance at the start of every term. |
| Term (days) | The compounding period in days — for example 30 for monthly, 90 for quarterly, or 365 for yearly. Interest and tax for this item are only applied once this many days have passed. |
| Interest (annual) | This item's own annual interest rate, prorated to match its term length when applied. |
| Tax | This item's own tax rate, deducted from that term's interest before it's added to the balance. |
| Currency | Each item can use a different currency; every amount is converted to your base currency when the items are summed for the combined projection. |
| Monthly / Yearly view | Toggle between monthly and yearly rows. Monthly view requires Premium. |
| How far ahead | Enter the number of months or years to project, matching whichever view is selected. Saved and synced. |
Free accounts see up to 5 years ahead in yearly view only; Premium unlocks unlimited range plus the monthly view.
Edit
The Edit tab is where you manage all your financial data. Use the icon tabs at the top to switch between sections.
🏦 Accounts
Each account has a name, balance, and currency. Accounts can be Payment (default), Savings or Credit Card type — this changes which inputs appear and how the account behaves in projections:
| Type | Behavior |
|---|---|
| Payment | A negative balance is treated as debt and enters the debt payoff plan; a positive balance contributes to payment capacity. You can set an interest + tax rate for negative balances. |
| Savings | Cannot go negative and never enters the debt plan. Instead you set an interest rate, a tax rate, and an optional monthly contribution — this account then feeds the Savings Projection card and can be linked to a bucket. |
| Credit Card | It's like a payment account whose balance can only be negative or zeroed out. Limits can be set. You can specify the interest and tax rates. |
Use Archive to hide an account without deleting it — archiving itself is always free, but if you're on the free plan and already at your account limit, un-archiving an account is blocked until you either free up a slot or upgrade. Use Balance Edit to add or subtract from a balance directly, or Balance Transfer to move money between two accounts (currency is converted automatically if they differ).
| Button | Action |
|---|---|
| + | Add a new account |
| Reorder accounts | |
| View this account's transaction history, including balance adjustments and transfers | |
| Archive account (hides without deleting) | |
| Delete account |
✏️ Balance Edit
Add or subtract an amount directly from a single account's balance — useful for a quick correction or a one-off adjustment that doesn't need its own income/expense item (e.g. reconciling with your real bank balance). Select the account, choose Add or Subtract, enter the amount, optionally assign a budget for one-off spending, choose the date, and confirm. Every adjustment is kept in the account's transaction history and can be reversed by deleting that record.
🔄 Balance Transfer
Transfer funds between two accounts. Select From and To accounts, enter an amount, and tap Transfer. Use the ⇄ swap button to quickly reverse the direction. Choose the transfer date; it is saved in both accounts' transaction history. If the two accounts use different currencies, the amount is automatically converted at the current exchange rate. Deleting the transfer record reverses both sides of the transfer.
💰 Income Items
Each income item has a name, amount, and optional start/end dates. Use start/end dates for temporary income (e.g. a freelance contract that ends in June).
| Button | Action |
|---|---|
| + | Add new income item |
| Reorder items | |
| Include or exclude from projection | |
| Archive item (hides without deleting) | |
| Delete income item | |
| Open the item's transactions; edit or delete a recorded transaction when needed |
💸 Expense Items
Same structure as income items. Expenses reduce your monthly payment capacity. Optional start/end dates let you model temporary costs.
📒 Budgets
Budgets are spending limits, not savings goals. Give each budget a name, optional amount, currency, description, and color. Use the repeat button to switch between a monthly budget and a one-time budget; a blank or zero amount means there is no limit. The transaction history button lists every spending entry recorded for that budget. You can archive a budget without deleting it.
💰 Receive Income / 💸 Pay Expense
These sections let you log that a specific income item was received or an expense was paid — or plan one for a future date:
Choose the income or expense item from the first dropdown.
Choose which account the money goes into or comes out of. When paying an expense, you can also choose an optional budget to track that completed spending.
Defaults to today. Pick today or a past date to record it as already done; pick a future date to just plan it for later.
If the date is today or earlier, the account balance updates immediately and a green/red ✓ badge appears on the item. If the date is in the future, the balance doesn't change yet — a blue date badge appears instead, marking it as planned.
🪣 Buckets
Buckets are savings goals. Each bucket has a name, its own currency, and an optional target amount — setting a goal is completely free, available to everyone. Once a bucket has a goal, it automatically appears in the Projection tab's Goal order and Bucket Fill Plan, and Bucktory calculates exactly which month it will be reached. You can link savings accounts to a bucket; their balances count toward that bucket's progress and are shown as badges on the bucket in Summary.
📈 Projection settings
A fifth tab in Edit (📈) holds global projection assumptions used across the Projection tab. Two fields here matter more than the rest:
| Field | What it means |
|---|---|
| Monthly deficit interest rate | The interest rate applied specifically to a shortfall month — a month where your Target Payment Plan shows a negative payment capacity, meaning your income couldn't cover that month's expenses and account interest. |
| Monthly deficit tax rate | The tax/fee rate applied on top of the deficit interest above, in the same shortfall months. |
Settings
Access settings from the ⚙️ gear icon in the header. Key options:
| Setting | Description |
|---|---|
| Language | Choose from 12 supported languages. Changes apply immediately. |
| Theme | Four modes: Light, Gray, Dark, and Auto (follows your system). All four are free. Accent colors (the highlight color used throughout the app) require Premium. |
| Currency | Set your base currency automatically (based on your language) or pick a custom one. Accounts, income, expenses, budgets, and buckets can each use their own currency. |
| Amount display | Choose whether amounts are shown in your main currency or each record's own currency. This setting changes only the display; calculations continue in the main currency. |
| Date format | Choose between DD/MM/YYYY, MM/DD/YYYY, YYYY-MM-DD, and others. |
🔔 Notifications & Widgets
On Android, choose up to three notification times for planned and overdue transactions, daily summaries, upcoming transactions, and budget thresholds. Financial summary, quick actions, budget, and bucket widgets are Premium Android features. They use the latest data on the device and refresh after the app syncs changes from the web.
💱 Exchange Rates
Rates update automatically in the background; tap Refresh in the card header to force an update on demand, and the card shows when rates were last updated.
Extra currencies — Premium users can add currencies beyond their base one (gold XAU, Bitcoin, and 60+ others) from this card. Once added, an extra currency can also be picked as your base/main currency in the Currency setting above — you're not limited to your original choice. To remove an extra currency, simply tap its chip; it's immediately dropped from the rates list.
Custom currency — Premium users can also define a fully custom currency with any code and symbol. Unlike the built-in currencies, its exchange rate isn't fetched automatically — you enter and maintain it by hand. After typing a new rate, tap the ✓ button to confirm the change; tap the ✕ button to delete the custom currency entirely.
💾 Backup & Restore
Premium feature. Backup saves a snapshot of your data to your Firebase account; Restore replaces your current data with that snapshot. This is separate from Cloud Sync (which is continuous) — think of it as an on-demand safety checkpoint.
ℹ️ About
At the bottom of Settings, the About rows link out to this User Guide, the FAQ, the Changelog (what's new in each version), and the Privacy Policy — each opens in your browser.
Cloud Sync
Cloud Sync is a Premium feature. Free users can use Bucktory fully offline, but signing in and syncing across devices requires a Premium subscription. Once you're signed in as a Premium user, every change you make is uploaded automatically within seconds.
Sign in
Create an account with email/password, or sign in instantly with Google.
Auto sync
Every change you make is automatically uploaded within seconds.
Cross-device
Your data appears on Android and web automatically.
Preferences sync
Card order, projection dates, plan lengths, and debt closure order also sync.
Deleting your account
In Settings, the Cloud Sync section also lets you permanently delete your account and all associated cloud data. This cannot be undone.