Jan 30

Biweekly fixed funding plan

I would love the following feature. I will give an example. I would like to have a fixed bi-weekly funding plan. For example, say I get paid $2000 every two weeks and want to fund 30 different categories the same amount every time. Say my electric bill is $200 per month so I put $100 in that category every two weeks. Even if the available amount in the Electricity category is at $300 already, I still want to add $100. This was I can get a buffer in the category. I would like to press a “planned funding” button and have the list of 30 categories with amounts filled in come up. Then I could make a few changes and press “Fund categories “ or something similar. This is the way it was in Mvelopes and I miss it so much.

Reviewing

Jan 31, 2026

Okay I remember this request earlier, and spent some time thinking about it. I still hold the belief that is either not compatible with envelope budget, or at least is a big enough mindset switch that it would be confusing to have this option alongside the current flow. I have some questions. There are two paths. 1: you don't have next month fully funded (the usual case, its tough out here) 2: you are a month ahead and all of next month is funded. The easiest case is #2. If you're a month ahead, you can set a $200 monthly target, so when your paycheck comes in, it might or might not full fund your electricity bill for next month and leave some other categories unfunded, but it doesn't matter because you can just wait 2 more weeks to get your next check and boom, everything is now funded for next month, and then a few days later the next month rolls around and you have everything funded. So in my mind, funding 50% of your categories doesn't matter if you're a month ahead because by the time the month rolls around, they'll all be 100% funded. To me, funding 100% of your categories 50% twice, and funding 50% of your categories to 100% twice, is the same, and feels the same. You're not touching that money until next month anyway, so it doesn't matter if 20/40 categories are funded 100% or 40/40 categories are funded to 50%. Case #1: Okay so you're not a month ahead. Your electricity bill is due on the 4th, and you want to assign $100 every 2 weeks. Well, you can't. If you owe $200 for electricity on the 4th of the month, there isn't enough time to get both checks to fund your full electricity category, so you will overspend, and then have to cover from another category. It will help me if you tell me which case you fall under, so I can try to look at it from your perspective. 🙏 Thanks Tricia! Lmk

Feb 6, 2026

I don’t think it matters either way. Let me use my Ally account as an example. I have a recurring transfer from my checking to Ally every payday. I have it set up for (making up amounts) $200. $20 going into each of 10 different buckets. Ally doesn’t care how much I already have in those buckets. I would think Kualia could have the same feature. I could have a recurring funding plan set up so everytime I get paid X number of dollars, X goes in 30 different categories. It doesn’t matter what the balance is already in my Grocery budget, for example. Maybe I want to add to it even if I already have it funded at two months worth. You wouldn’t even have to look at funding percentages.

Feb 6, 2026

Help me understand this part. Let's say you have rent due on the 1st of the month and electricity due on the 7th. How do you handle this today? When March rolls around, you need ~$2000 in your rent category on the first. You can't wait for your next paycheck in ~9 days to fund your rent category. It needs to be funded on the first of the month. Or another example, and I'll use simplistic numbers that seem nonsensical: You have electricity due today for $100, and you have your car payment due tomorrow for $100. Your paycheck comes in today for $100. Would you split $50 to Electricity and $50 to Car Payment?

Feb 19, 2026

As far as my budget goes, I am mostly a month ahead on my bills. So I pay them when they are due. I just want the same amount every pay going to the same categories. So I can have a buffer in each category

Feb 22, 2026

I believe you can do this already. Create a target for your category for the amount you want to fund every paycheck. If your paycheck is every 2 weeks, then set your target to repeat every 2 weeks. When your paycheck comes in, you'll move to next month, then click the Quick Assign button and it'll fund your categories to hit their target. The way it works is it will fund the first half for your first paycheck, then the second half from your second paycheck, but at the end of the day, the same amount gets assigned to those categories.