Getting Started Guide

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Welcome to Kualia

This guide walks you through everything you need to get started with Kualia and envelope budgeting.

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Step 1: Create Your Account

Sign up at app.kualia.com or download the iOS app. You can sign up with:

• Email - receive a one-time passcode
• Google - sign in with your Google account

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Step 2: Set Up Your Workspace

Your workspace is your budgeting environment. After signing up, you’ll create one with a name that makes sense for you (e.g., “Personal Budget”, “Family Finances”).

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Step 3: Configure Your Budget

1. Review default categories - Kualia creates starter categories for you
2. Customize category groups - add, rename, or remove groups to match your life
3. Add categories - create categories for each expense type
4. Set your income - tell Kualia your expected monthly income

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Step 4: Add Your Accounts

Add all your financial accounts:

1. Connect your bank for automatic imports (US/Canada)
2. Add manual accounts for banks without Plaid support or cash accounts
3. Set starting balances for each account

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Step 5: Assign Your Money

Now comes the core of envelope budgeting:

1. Look at your Ready to Assign balance
2. Start assigning money to your most important categories first
3. Work your way down until Ready to Assign is $0

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Step 6: Set Targets

Add targets to your categories so Kualia knows how much each one needs:

• Monthly bills → Recurring targets
• Flexible spending → Recurring with Rollover targets
• Savings goals → Maintain Balance targets

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Step 7: Plan Upcoming Transactions

Create planned transactions for future bills, income, or transfers. Plans can happen once or repeat on a schedule, and Kualia can enter them automatically or leave them for you to enter manually.

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Next Steps