Budgeting

• Manual accounts, CSV imports, and scan-assisted transactions
• Custom budget categories with monthly limits
• Spending vs. budget progress by category
• Review workflow for uncategorized transactions
• Shared household budgets via separate logins

How it fits into Nethaven

Start with category limits that answer a real question

A useful budget tells you what a purchase means before the month is over. Create categories that map to decisions you actually make, then give each one a monthly limit. Groceries, housing, transport, subscriptions, debt, and savings are a practical starting set; you can add detail when it changes your next choice.

Nethaven compares category spending with the limit as the month progresses. The sample preview above uses $500 for groceries and $320 for transport, so the remaining amount is visible instead of hidden in a total. The numbers are illustrative, but the workflow is the point: set the boundary, inspect the transactions behind it, and adjust a category when your plan is consistently unrealistic.

Keep a review queue for transactions that need judgment

Budget totals are only as useful as the transactions behind them. Transactions you add manually, import from a CSV, or capture from a receipt or bank screenshot should get a quick review before you rely on a category total. Confirm the date, merchant, amount, category, and whether the row is a transfer, refund, or duplicate.

A visible review queue is more honest than a finished-looking total built from guesses. Categorize a clear grocery charge, leave a mixed-use marketplace purchase undecided, and correct transfers before they inflate spending. This review-first habit takes less time than repairing a month of reports after an over-broad shortcut has hidden the exceptions.

Choose categories during review

Review each transaction and choose the category that fits. A grocery purchase can go into groceries, while a mixed-use merchant may need a closer look before you decide.

The interactive preview shows an imported charge, your category choice, and the resulting budget total. Transaction rules are not yet available.

Share the plan without sharing a password

Household organizations let couples and families work from one budget while each person uses their own login. Both members can see the same category limits and progress, and either person can review the transactions that belong in the shared plan. That turns budgeting into a shared routine instead of one person's private spreadsheet.

Separate logins do not mean every account must be shared. Each member can keep the accounts they add attached to the right owner while contributing the agreed categories and limits to the household view. The shared budget shows the plan; the account permissions still matter.

Know what Nethaven supports today

Nethaven budgeting is usable today with manual accounts, CSV transaction imports, and receipt or bank-screenshot scans. Those paths are intentionally visible in the product because they let you bring in the data you need without claiming that a live bank connection is already available. Institution coverage, scan quality, and CSV column formats can vary, so review the imported result before trusting a report.

Bank sync and transaction rules are not yet available. The same dashboard can still connect a monthly budget with debt payoff, savings goals, subscriptions, and net worth.