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Same app, same data, same purchase; nothing to do. Only the name and the icon changed.

On first launch, Enoughly explains how it works, then walks you through setup: your currency, pay schedule, first account, safety net, and monthly bills, with the option to import a bank file at the end. Not ready to commit? Tap Explore with Sample Data on the welcome screen to tour the app with realistic demo data. On Apple devices signed in to iCloud, it warns first that sample data syncs like real data. Erase it anytime with Settings → Data → Reset All Data…, which clears Enoughly on every device signed in to your Apple Account (on Android, from your phone).

Enoughly has no bank connection, so people sometimes picture hours of data entry. Here's what it actually looks like:

During the week — seconds, mostly zero. On iPhone, Apple Pay purchases can log themselves through a one-time Wallet automation (see "Log Apple Pay taps automatically" below). For cash or anything else, add it by hand in a few taps. Miss something? Don't sweat it; the weekly import will catch it.

Once a week — about two minutes. Download your bank's CSV or Quicken file and import it (Activity → Import Bank File). Anything you already logged is skipped automatically, transfers and card payments come in filed as Transfer or Credit Card Payment, and your category rules do the sorting. If a hand-logged entry slipped past the matcher, Find Duplicates cleans it up in one click. Before you close the importer, its built-in balance check asks whether Enoughly's balance still matches your bank's — one tap trues it up.

That's the whole system. Your Safe to Spend number stays honest all week from what you log as you go, and the import trues everything up on the weekend. The two-minute weekly look isn't a chore to eliminate — it's the moment you actually see where your money went, and it's the habit every budget that works is built on.

1. In your online banking, export transactions as CSV, QFX, QBO, or OFX.
2. In Enoughly: Activity → Import Bank File (in the toolbar; also under Settings), choose the account, pick the file.

Re-importing overlapping date ranges is safe — Enoughly skips transactions it already has, detects duplicates across formats, and applies your category rules automatically.

Seeing the same purchase twice with dates a day apart? You logged it when it happened; the bank recorded the day it posted. Activity → Find Duplicates pairs those up for one-click cleanup.

Yes. Take a screenshot of your banking app's transaction list and copy it, then in Enoughly: Activity → Import Bank File → Paste Screenshot…. Enoughly reads the rows with your device's own text recognition and shows them as a confirmation list — payee, amount, date, and expense/income are all editable, and you check off exactly which rows to import. A running total above the button lets you eyeball it against the screenshot before committing.

The image never leaves your device: this is on-device text recognition (Apple's Vision on Mac, iPhone and iPad; Google's ML Kit, built into the app, on Android), not a cloud AI service and not a network request. Pasted rows carry the same duplicate fingerprints as file imports, so pasting twice — or importing the same transactions later as CSV or Quicken — skips what's already there.

Credit-card screenshots are read the card's way: plain or "+" amounts are charges, "−" amounts and payment or refund rows reduce the balance.

Prefer the Quicken download (QFX/QBO/OFX) when your bank offers it. Most banks' download menus offer several formats; they are not equivalent:

• Quicken files follow a standard. Any bank's QFX/QBO/OFX file imports into Enoughly, and each transaction carries a bank-issued ID that makes re-import duplicate detection exact.
• CSV has no standard — every bank invents its own layout. Enoughly recognizes several banks' CSV layouts, but a bank we haven't seen yet may be declined at import with a message about unrecognized columns. That's the file, not your data.
• Excel files aren't importable — export CSV or Quicken instead.

If your bank only offers CSV and Enoughly doesn't recognize it, tell us which bank via the support email at the bottom of this page — adding a bank's layout is usually quick.

When an imported row looks like a payment on a bill or loan you track — right amount, near its due date — the import dialog offers it for confirmation. Confirming does three things at once: links the row to that bill, splits off the interest portion, and reduces the loan's balance by the principal. That replaces the old routine of editing the loan's balance by hand after every import.

Confirming only touches the bill or loan. The row's effect on its account follows the usual rule: it moves the balance if it's dated after your last Balance Check.

Ignoring a suggestion leaves everything exactly as it was. And if you later delete, recategorize, or duplicate-clean a row you confirmed, the principal goes back on the loan automatically.

An account's balance is your last Balance Check (the moment you told Enoughly what the bank says it holds) plus every transaction dated after it, whether you typed it, it came from an Apple Pay automation, or you imported it.

• Imported rows dated after your last Balance Check move the balance.
• Older imported rows fill in your history only, because the bank's number already included them. Counting them again would double them.
• Purchases you'd logged by hand are matched to their bank rows, not added twice.

So a balance drifts only by what never reached Enoughly: a bank fee, interest, a cash purchase you forgot. The fix takes ten seconds. After an import, the importer's Balance Check shows Enoughly's number next to a field for what your bank says; if they differ, one tap sets it right. If an account already matches, open it and choose Matches My Bank — Record Check. The Dashboard reminds you when an account hasn't been checked in three weeks and marks it Check Due in Accounts.

A drift of a few dollars a week is completely normal. A regular Balance Check is what keeps Safe to Spend honest.

The Log in the sidebar records every change your transaction list can't show: Balance Checks and balance edits (with the old and new value, and where the change came from), loan balance changes with their interest/principal split, bills marked paid or moved back to Outstanding, pay-cycle rolls, imports, confirmed bill matches, and backups and restores. Backups include the Log, so restoring one brings its history back too.

Each entry notes which device made the change and syncs like the rest of your data. Entries are kept for six months. If a number ever looks wrong, the Log is the first place to look — it usually names the moment it changed.

Safe to Spend adds all your cash accounts together, so one account can be heading below zero while the total looks fine. The Dashboard runs each cash account forward on its own for the next 30 days and warns under Safe to Spend if one will go below zero: when, by how much, what takes it there, and how much to move from another account to avoid it.

For that to work, Enoughly needs to know which account each bill or card is paid from. Left on Automatic, it uses the account it was last paid from, then the one your pay goes into. To set it yourself, edit the bill, loan or card and choose Paid From.

Nothing's wrong — the two statements measure different things, and both can be true at once.

• Your balances and Safe to Spend answer "what do I have right now?" That's the cushion you've built up over every previous pay period.
• The Cash Flow diagram's "From balance" ribbon answers "which way did this period tip?" If a fortnight's spending ran, say, $145 past that fortnight's income, the gap was covered by money you already had — your cushion shrank by $145, but it's still there.

A single period like that is usually just timing, not overspending: a cluster of bills landing early in the period, a paycheck dated a day outside the window, or a deliberate extra debt payment from savings. Credit cards add another flavor — purchases count as spending the moment you swipe (the later card payment doesn't count again), so a period can "run past income" while your cash balance actually grew.

The thing worth watching isn't one period — it's the pattern. If most periods draw from your balances, the cushion is steadily shrinking, and that's exactly what the Net Worth chart and the Safe to Spend number are there to catch early.

When you close an account at the bank, use Close Account (the account's menu on the Accounts screen, or the bottom of its edit form) rather than deleting it. Its whole history stays, but it leaves the Dashboard, Safe to Spend, the account pickers, imports and payoff plans. If Enoughly still shows a balance, closing records a final Balance Check of zero, and the Log keeps the old number. Closed accounts sit in a Closed group at the bottom of Accounts; choose Reopen Account to bring one back.

Any account can be held in its own currency — pick it when creating or editing the account (31 currencies supported). The account shows its real balance in its own currency; app-wide totals like Safe to Spend and net worth convert at the day's European Central Bank reference rate. A rates card appears on the Dashboard whenever you hold a foreign-currency account.

Transfers between currencies ask what actually arrived — Enoughly pre-fills the day's rate, and you adjust it to match what your bank deposited. Holding two currencies at the same bank? See "One bank, two currencies" below.

Privacy note: rates come from a free public feed (frankfurter.app) via an anonymous request that includes nothing about you or your finances — and Enoughly only fetches at all if you actually hold a foreign-currency account. Prefer zero network activity? Pin your own rates in Settings → Income & Money → Exchange Rates and nothing is ever fetched.

Some banks (Wise, Revolut, EQ, and others) hold more than one currency behind a single login. It looks like one account, but underneath, each currency balance is its own account — its own account number, its own statement, its own transaction history. Set it up in Enoughly the same way: one account per currency, e.g. "Maple Bank USD" and "Maple Bank CAD", each with its currency set. Import each statement into its matching account.

What an exchange looks like. Say you convert US$1,000 into Canadian dollars. Both statements record their own side of the same event:

• The USD statement shows EXCHANGED FOR CAD — US$1,000 out.
• The CAD statement shows EXCHANGED FROM USD — CA$1,370 in.

After importing both files, Enoughly has both rows — the exchange is fully recorded, and each account's balance check trues up against its own statement. The rows just need the Transfer category so the money you moved doesn't count as spending on one side and income on the other. Easiest: add two category rules — EXCHANGED FOR → Transfer and EXCHANGED FROM → Transfer (match the wording your bank uses) — and every future exchange imports correctly on both sides, automatically.

Don't also add a manual transfer for an imported exchange. Manual transfers move balances; imported rows don't. If both statements already carry the exchange, a manual transfer on top counts the money twice. A manual transfer with a destination account is for the opposite case — when the receiving side isn't imported (say, sending money to an account you track by hand). Then Enoughly pre-fills the received amount at the day's rate, and you adjust it to what the bank actually deposited.

Enoughly is fully functional free for 14 days from first download. After that, a single one-time purchase (see the App Store or Google Play for the price in your country) unlocks it forever. One App Store purchase covers Mac, iPhone and iPad; one Google Play purchase covers your Android devices. The two are separate because Apple and Google don't share purchases. There is no subscription. If your trial ends, your data stays intact and exportable; buying or tapping Restore Purchases picks up exactly where you left off.

On Mac, iPhone and iPad: make sure you're signed in with the same Apple Account that bought the unlock (App Store → your profile). Then in Enoughly: Settings → App → Restore Purchases.

On Android: make sure Google Play is signed in with the same Google account that bought the unlock, then tap Restore Purchases in Enoughly's Settings.

An App Store purchase can't be restored on Android, or a Google Play purchase on an Apple device; the stores don't share purchases. Still stuck? Email us with roughly when you purchased.

• Encrypted backup (Settings → Data → Export Backup…): everything, protected by a password you choose. We cannot recover a forgotten backup password — keep it safe.
• CSV export (Settings → Data → Export Transactions (CSV)…): a plain spreadsheet of all transactions that opens in Excel, Numbers, or any other finance app.

Sign in to the same iCloud account on each device and Enoughly syncs automatically through your personal iCloud — there's no Enoughly account. First sync after installing on a new device can take a minute or two.

Android doesn't sync. The Android app keeps its data on your phone and doesn't sync with your Apple devices or other Android phones. To move data across, use an encrypted backup (see "Switching between iPhone and Android?" below).

An encrypted backup file carries everything between the two, in either direction (iPhone, iPad or Mac to Android, or Android to Apple).

1. On the device you're leaving: Settings → Data → Export Backup, choose a password, and save the file somewhere the other device can reach, like email to yourself or a cloud drive.
2. On the other device: install Enoughly, then choose Restore from Backup (on the welcome screen, or in Settings → Data), pick the file and enter the password.

Restoring replaces everything already in the app on that device, so do it before you start entering data there. We can't recover a forgotten backup password. The two copies don't stay in sync afterwards; repeat the steps whenever you move again. Purchases don't carry over between the App Store and Google Play (see "How the free trial and purchase work" above).

On iOS 27, iPadOS 27 and macOS 27, a coach can add a short comment on the Dashboard, in the Paycheck Report and on Spending, in the style you pick. The comments are written by Apple Intelligence on Private Cloud Compute: a summary of the figures behind each one, including bill and merchant names, is sent to Apple, used only for that comment, and not stored. The coach is on Apple devices only; there is no coach on Android.

Coach comments are off until you turn them on. The Dashboard asks once; change your answer any time in Settings → AI Coaching → Coach Comments. The setting is per device. Every number, chart and finding works the same with it off, and category suggestions always run on your device.

That's privacy mode. Tap the eye icon on the Dashboard to show or hide amounts everywhere, including widgets. On the Lock Screen, iOS additionally blurs amounts until Face ID recognizes you if you turn off Settings → Face ID & Passcode → Lock Screen Widgets. Prefer no numbers on the home screen at all? Add the Safe to Spend (Discreet) widget instead.

Every Apple Pay purchase can log itself — still with no bank connection. One-time setup on your iPhone (this uses Apple Pay and Wallet, so it isn't available on Android). Make one automation per card, so each card's purchases land in the right Enoughly account:

1. Open the Shortcuts app → Automation tab → +.
2. Choose Wallet (“When I tap a Wallet Card or Pass”).
3. Under “When I tap,” check one card. Leave the categories checked and skip Filter Merchants.
4. Select Run Immediately — not “Run After Confirmation,” which would ask permission on every tap — then tap Next.
5. Tap Create New Shortcut, then search for and add the action Log Card Purchase (from Enoughly).
6. Wire the sentence “Log ___ at ___”: tap the first blank → Shortcut Input → Amount; tap the blank after “at” → Shortcut Input → Merchant.
7. Tap the blue › on the action to reveal Card Name, and type the card's Enoughly account name (e.g. “ATB Mastercard”) — don't insert a variable. Wallet's long card names rarely match your account names, but typed text always does.
8. Tap the checkmark to save. Repeat from step 1 for your other cards.

From then on, tap to pay and the expense appears in Enoughly within seconds — categorized by your own rules and recorded in the matching account. If Card Name is left empty, purchases fall back to your first cash account.