Frequently Asked Questions

Liquify is a plan-first budget app built on the envelope idea—wallet-like boxes for the life you chose. Most budgeting apps—like YNAB—feel like homework: categorise every purchase, reconcile accounts, and stay buried in what already happened. Fully automated tools can take the wheel for you. Liquify is the mid-ground: you set the plan, then the app (and optional Bank Sync and AI) helps that plan hold—without daily transaction chores or a guilt spiral over a coffee. The point is simplicity, low maintenance, and peace: permission to enjoy today without second-guessing.

The box method is envelope budgeting with plan-first boxes. Split your monthly income into purpose boxes—rent, groceries, savings, subscriptions, goals—before you spend. Fund each with a fixed amount or planned expense items (simple totals or line-item detail). During the month, spend from the matching box: a bank account, subaccount, card, or even a physical wallet. A green light means the money is already allocated. Optional Bank Sync compares your plan with real balances in Accounts—it supports the plan; it does not replace it.

Create a budget and boxes, then split your income until remaining is about zero. Honour those splits each month—fill the boxes in your bank (or physical wallets) and spend from the correct one. Start simple if you need to: in many places (including Brazil), everyday spending lives on one card, so one active box paired with that account is enough while other boxes cover savings and goals. When you are ready, split wants and needs across accounts or bank subaccounts. Prefer linking active fixed-amount boxes; leave many goals and subscription boxes unlinked unless you want Accounts or AI Analysis to surface forgotten subscriptions or mismatches. Connect Bank Sync when you want that automation—see the Bank Sync questions below.

No. Liquify does not sell your personal financial data. We only use data needed to provide application features, improve reliability, and comply with legal obligations. We aim to collect the minimum required to operate the product.

Privacy is a core principle. We use safeguards to protect your information and avoid sharing personally identifiable financial details with third parties for advertising resale. We do not sell bank sync data or use it for ads. Rewarded ads may be served through Google AdMob with partners such as Unity Ads, Liftoff Monetize, and Start.io (see our Privacy Policy). You can also contact support@getliquify.com for privacy-related requests.

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Bank Sync is optional: it compares your plan with real balances and charges. Connect up to 3 banks per person (demo or real), then optionally link an account to a box in Edit Expense Box—prioritize active fixed-amount boxes. Many banks share only one checking account; quiet boxes often don’t need a link. On shared budgets, each collaborator can link their own banks to different boxes. Balances and transactions show on Accounts; attach banks on Investments to see holdings. Linking a credit card also asks for the payment account that pays it. Manual refresh every 15 minutes; automatic every 6 hours. Banks and partners may take longer (often up to about a day) to send new data—refresh pulls what’s available to Liquify. Brazil (Pluggy): pick your bank, enter CPF, confirm in the bank, then wait on Pluggy until Liquify imports. Other regions (Lunch Flow): search your bank and choose the correct country flag—some banks appear more than once (e.g. Revolut UK vs EU). Finish confirm on Lunch Flow to import (up to 3).

Bank Sync is available in Brazil through Pluggy and Open Finance, and in other regions through Lunch Flow (including the UK & EU, US & Canada, New Zealand, Asia-Pacific, and more). We don't maintain a separate bank allowlist—coverage follows what each partner supports in your region. You can connect up to three banks. Balances refresh automatically every six hours, with a manual refresh available every fifteen minutes.

Liquify never sees your bank login—you authorize with Pluggy (Brazil) or Lunch Flow (elsewhere). Partners get your signed-in email to identify the connection (and for Lunch Flow, your account id); they don’t get your budget. Liquify receives account names, types, balances, transactions, and refresh tokens, stored under your account. While connected, balances refresh about every 6 hours and ~90 days of transactions are kept. Banks often require re-auth every few months. If Ultra lapses, Bank Sync pauses—box links and last-known balances stay, but syncing stops. After about 30 days without Ultra, paused banks are unlinked and synced data is removed. Disconnecting a bank stops sync immediately (same retention window). Resubscribing to Ultra can resume a still-valid paused connection without re-linking boxes. Bank sync data isn’t sold or used for ads—see the Privacy Policy for full detail.

In Brazil, Open Finance limits how often each product (accounts, cards, investments, and so on) can be refreshed each month for a given person and bank. Those limits are shared across every app that connects the same bank—not only Liquify. Linking the same bank in many apps, or leaving unused connections active elsewhere, can use up the quota sooner, so some balances or investments may look stale until the next month. Liquify keeps one connection per bank and deletes it when you disconnect. Prefer disconnecting bank links in apps you no longer use.

When you set a payment date on an expense, Liquify can send one inbox message and one push notification on that date (delivery time is configurable in Settings → Notifications). The date follows your plan—not when the bank may actually process the charge. Weekends and public holidays often delay settlement, so the reminder can arrive before the money leaves your account. Dating expenses also helps Budget Analysis score your plan, and helps match planned expenses to bank charges when the box is linked to an account. You can turn payment-day reminders off entirely in Settings → Notifications.

Frequency says how often an expense repeats—monthly, yearly, every few months, and so on. Liquify turns longer schedules into a monthly amount so you can fund the box steadily and be ready to pay in full on the payment date. For one-time goals or targets, prefer a fixed-amount box instead of a recurring expense: you set aside that amount each month until you reach the goal. On the expense card, /mo is the monthly amount allocated in the box. When the schedule is not monthly or annual, the full frequency amount appears below it. /yr shows the yearly cost so you can compare different schedules.

Budget Analysis reviews your plan—not every past transaction. It scores how money is split across Needs, Wants, and Savings, your savings rate, how diversified your boxes are, and whether expenses and refill day are dated so the plan is concrete enough to follow. In multi-currency budgets, the review uses exchange rates from when it ran. Shared totals can drift as rates change—run a new analysis to refresh them. When Bank Sync is on and boxes are linked, recent bank transaction descriptions from about the last 30 days can also be sent so the review can compare the plan with reality. Insights are informational only—they are not professional financial, legal, or tax advice. See the Privacy Policy for how analysis data is handled.

Transactions Analysis looks only at linked boxes that have planned expenses, and compares them with recent bank charges from about the last 30 days. It can flag amount differences, wrong dates, missing charges, and possible forgotten recurring bills. When the bank provides the original foreign-currency amount, Liquify compares that to your plan. Otherwise it converts your planned amount with mid-market exchange rates and allows for typical card FX fees so small settlement differences are not treated as problems. With Bank Sync enabled and boxes linked, recent transaction descriptions can be included for plan comparison. Results are informational only—not professional advice.

How much you should have in your account today to pay a box’s upcoming bills, based on your planned expenses and monthly refills. The Insufficient for plan alert checks your linked account against this amount. Bank account boxes: money leaves on each bill’s payment day. Credit card boxes: spending goes on the card; your payment account pays the full statement on the closing day you set on the box. Both work the same way—only when money moves differs. Bills after your next refill don’t count—they’re covered by that refill. If a bill and refill fall on the same day, Liquify assumes the bill is paid first. This is a projection. For bank account boxes, payments may post a day or two earlier or later due to weekends, holidays, or processing delays. For credit card boxes, charges may post on different days—weekends, holidays, and delays can shift spending onto a different statement. Set or change your refill day in Edit Budget → Refill day. For credit boxes, set Statement closing day in Edit Expense Box—not the payment due date.