Welcome to Kualia
This guide walks you through everything you need to get started with Kualia and envelope budgeting.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
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”).Step 3: Configure Your Budget
- Review default categories - Kualia creates starter categories for you
- Customize category groups - add, rename, or remove groups to match your life
- Add categories - create categories for each expense type
- Set your income - tell Kualia your expected monthly income
Step 4: Add Your Accounts
Add all your financial accounts:- Connect your bank for automatic imports (US/Canada)
- Add manual accounts for banks without Plaid support or cash accounts
- Set starting balances for each account
Step 5: Assign Your Money
Now comes the core of envelope budgeting:- Look at your Ready to Assign balance
- Start assigning money to your most important categories first
- Work your way down until Ready to Assign is $0
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
Step 7: Track Recurring Bills
Create recurring transactions for your regular bills and subscriptions. This helps you track what’s been paid and what’s coming up.Next Steps
Set Up Your Budget
Deep dive into budget configuration.
Connect Your Bank
Step-by-step bank connection guide.