What is left this month, worked out for real.
Track every expense with Yoseri. Envelopes, calendar, recurrences — and what is left this month worked out for real, after what still has to go out.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Your balance is not what is left.
On 20 August, your chequing account shows $4,210.20. But $1,604 is still going out before the 31st.
$58 a day is the budget. $64 is you.
Yoseri does not just divide what is left by the days left. It compares that daily budget with your real pace over the first twenty days: $64 a day.
Seven envelopes. Not ten, not thirty.
Your caps add up to $2,750, or 63% of your $4,350 income. The rest goes to savings and to paying down debt.
A cap is set on your median, not on your wish.
When you change a cap, Yoseri shows what you actually spent. Your groceries have a median of $512 over twelve months: a $600 cap leaves you 17% of room.
Your restaurant spending rose 21% in a month — $219 in July, $265 in August — with a steady average ticket of $22. What changed is the frequency: twelve outings instead of ten.
You already know the 28th will be tight.
Every recurrence, every due date and every expected inflow lands on the next fourteen days. From that Yoseri works out your low point of the month — $2,107, on the 28th — before it arrives, while you can still move something.
A variable income is budgeted on its floor, not on its average.
Over twelve months you took in $59,248, or 6.2% more than the year before. That is $4,937 a month on average — but your floor is $3,350.
Seven entries out of ten take one tap.
A template stores the amount, the envelope and the merchant. Eight templates cover 71% of your thirty-four monthly entries: the weekly grocery run at $60, the morning coffee at $7, the tank of gas at $55, the STM pass at $97.
What people ask us before starting.
Every answer leans on the worked example — the month, the envelopes, the amounts — and says where the calculation stops.
Why is what is left this month so far from my balance?+
Because a balance does not know what is coming. Your chequing account shows $4,210.20, but $1,604 is still going out before the 31st: the mortgage on the 26th, the groceries and transport still to come, two subscriptions and the smoothed annual sinking fund.
Is my credit card payment counted twice?+
No. The $1,240.60 on the 28th does not appear in “what is still to go out”, even though it will indeed leave your account.
What happens if I go over an envelope?+
Going over carries forward, and so does a surplus. Restaurants went $45 over last month: its September cap will be $175, not $220.
Does Yoseri know what I do with my cash?+
No, and it says so. You allocate your cash in a few taps — $32 to groceries, $20 to transport — and the remaining $24 is shown as unallocated, never spread at random to look tidy.
Does it work without connecting my bank?+
Yes, and it is free for life. Thirty-four entries a month, 71% of them in one tap thanks to templates, plus the recurrences that repeat on their own: about three minutes a week.
How long before Yoseri tells me something useful?+
The budget and the envelopes exist from your first entry. The first finding arrives around the third week, when a pattern becomes visible, and year-on-year comparisons after twelve months.
Your month, envelope by envelope.
See what is left to spend before the next payday, and what is already committed.
The demo runs on test data. No banking credentials are asked for.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
An envelope budget without rollover is not a budget
If going over your envelope costs you nothing the following month, your cap is only decoration. Rollover is what turns your intention into a constraint.
· 4 min The ShortVariable income: budget on your floor, never on your average
An income swinging between $380 and $1,840 has no useful average. Budgeting on it means spending a good month as though it were normal.
· 2 min The GlossaryEnvelope rollover
What you have left — or what you are short — at the end of the month, carried into the next. It is the mechanism that separates a budget from a good intention.
· 1 min The BreakdownThe 50/30/20 rule assumes a rent you do not have
It allows 50% for your needs. At 40% rent, you are left with $310 for food, transport and insurance. The rule does not miss slightly: it breaks.
· 5 min The ShortBudgeting on two pays a month makes you forget $4,062 a year
A year has twenty-six fortnights and twelve months. Two months a year get three pays — and a budget built on two treats them as a surprise instead of a given.
· 2 min The GlossaryDisposable income
What is left once you have paid what you cannot not pay. It is the only figure that says whether a month is liveable — and it is on no statement.
· 1 min The BreakdownPaying every two weeks takes three and a half years off the mortgage
The accelerated bi-weekly payment is not a financial trick. It is a thirteenth monthly payment a year, dressed up as a calendar.
· 6 min The GlossaryAmortisation
Your payment never moves. What is inside it does: over twenty-five years, you wait ten and a half before principal overtakes interest.
· 1 min The ShortYour money can only be in one place at a time
Repay, save or invest: every dollar sent somewhere is a dollar that is not somewhere else. That cost appears on no statement.
· 2 min