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: categorize 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 helps that plan work—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.

Create a budget and boxes, then split your income until remaining is about zero. Honor those splits each month—fill the boxes in your accounts (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. 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.

No. Account Alerts are how Liquify watches for plan drift—rules you set on linked boxes, with push and inbox notifications. Plan Analysis and Transactions Analysis are optional: nothing is sent to Google Gemini until you choose to run a review.

You can use Liquify fully with your plan, accounts, Bank Sync, and alerts and never use AI. When you do run analysis, selected plan and transaction data is handled as described in the Privacy Policy.

Up next: web support.

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, planned expense items, or an optional goal (simple totals, line-item detail, or a target balance to reach). 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.

Every box serves a purpose; how you fund it shapes what Accounts compares against:

**Goal boxes** — Set an optional Goal (a total balance to reach, such as an emergency fund, vacation, or tax reserve). The monthly amount is how you refill; Account vs plan and Account progress track the goal, not the refill.

**Fixed-amount boxes** — Enter a monthly amount (for example groceries or free spending) with no goal. Account vs plan compares your linked balance to Planned.

**Expense-driven boxes** — Leave the amount blank and schedule dated expenses inside (bills, subscriptions). Account vs plan uses Needed for upcoming bills.

You can combine a monthly refill with a Goal when you want both a funding habit and a target balance.

When you overspend in a month in any box, you cover that overspend from your savings that month. It usually means the plan wasn't realistic enough, or something unexpected came up. That's okay—don't punish yourself. Consider adjusting the plan to a safer amount you can actually follow. Keeping an emergency buffer set aside is what makes that flexibility possible: money ready when things go wrong, so you can correct the plan without carrying debt into the future. Liquify does not carry debt into future months; we believe that feels like punishment instead of helping you plan better next time.

When you add a new expense—like an annual bill—for this or next month, you also pay it in advance from your savings so it can enter the loop. That way you carry no debt and start saving monthly to pay the same expense again in the next cycle.

Liquify treats credit card debt as part of a box's available money. You link a box to a credit card and a payment account. That payment account holds the box's planned money to pay the card. With account alerts, the goal is to prevent overspending on the credit card. If you still go over, cover the extra from your savings (your emergency buffer) and adjust the box amount to a realistic value you can follow.

Liquify plans loan repayments, not how much you still owe. Create a box for the loan (or add it to a bills box) and schedule the installment as a monthly expense with its payment day. Fund that box each refill like any other bill.

When the loan money lands in your account, don't raise Income by that amount—that would inflate Remaining and distort the plan. Treat that cash like savings you already have: spend it through the right boxes, or leave it in an account. Liquify does not track how much you still owe on the loan; when the loan is paid off, remove or zero that expense.

No. Schedule upcoming bills as planned expenses in the box. **Expected in account today** turns those into one number: how much to keep in the linked account so you can cover what’s due until your next refill. Stay at or above that balance and you’re covered—you don’t need a daily transaction ledger to know what will be charged.

Optional Bank Sync and transaction views can confirm reality or catch plan drift; Account Alerts (like Insufficient for plan) can warn when the balance falls short. Day to day, the plan and that expected amount are enough.

**Remaining** is income minus expenses—income not yet assigned to boxes. Split it into boxes until it hits zero so every cent has a purpose.

**Green** means you're not over-allocated; **red** means you've planned more than your income. It is not money left to spend today—spend from funded boxes instead.

In multi-currency budgets, boxes and expenses in other currencies convert to your budget currency. **Expenses** and **Remaining** can shift slightly when exchange rates update—about once a day, or when you pull to refresh on Plan.

Bank Sync is optional: it compares your plan with real balances and charges. Connect demo or real banks, then optionally link an account to a box in Edit Expense Box. 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.

**Brazil (BYOK):** connect banks at Meu Pluggy with your own Pluggy Developer keys, create a Pluggy Developer app, and paste Client ID, Client Secret, and Item ID into Liquify—see our [Meu Pluggy guide](/en/meu-pluggy). Up to **5** Brazilian banks per person. **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). Up to 5 international banks (10 in US/Canada).

Bank Sync is available in Brazil through your own Pluggy / Meu Pluggy keys (Open Finance), and in other regions through Lunch Flow (including the UK & EU, US & Canada, New Zealand, Asia-Pacific, and more). Coverage follows what each partner supports in your region. Limits stack: up to **5** Brazilian banks, **10** in the US and Canada, and **5** in other international regions (20 total). Balances refresh automatically every six hours, with a manual refresh available every fifteen minutes.

Liquify never sees your bank login. In Brazil you supply your own Pluggy API keys (encrypted on our servers) and an Item ID from Meu Pluggy—Liquify only reads balances and transactions. Elsewhere you authorize with Lunch Flow. 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.

Crypto Wallet Sync is optional: it lets you track public wallet addresses and watch allowlisted stablecoin balances in Liquify—without sharing private keys or seed phrases. Liquify Ultra is required to track wallets and sync balances.

Track up to 10 public wallets per person (EVM 0x… or Solana). Then optionally link a wallet, network, and stablecoin to a box on the Accounts tab so the balance appears in your plan—see our [crypto wallets guide](/en/crypto-wallets).

Manual refresh every 15 minutes; automatic every 6 hours. Balances can look stale until transactions settle on-chain (for example card spends that clear later). Supported networks include Base, Celo, Linea, Gnosis, Monad, and Solana. Only allowlisted stablecoins per network can be linked (for example USDC, USDT, cUSD, EURe, and others depending on the chain).

Liquify reads public on-chain data only—no private keys or seed phrases. Liquify does not show on-chain transaction history in the app.

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 helps Transactions Analysis 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, set a Goal on the box (the total balance to reach) and fund it monthly with a fixed amount and/or planned expenses until you get there—rather than modeling the target itself as a recurring expense.

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.

Plan Analysis reviews your plan—not every past transaction. It rates five plan categories—savings ratio, needs ratio, lifestyle spend (Needs+Wants), box categorization, and box diversity—each with a level from Weak to Excellent, a short why, and suggestions to reach the next level when needed.

Names and descriptions on boxes and expenses keep those suggestions concrete.

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.

Put merchant or alias text in an expense’s name and/or description (max 100 characters) so matching works better. Related expenses in a box can share a group name when the bank may bill them together—for example Gym $50 monthly and Gym Maintenance $30 in March/September, often $80 as one charge; if they post separately, analysis still matches them one-by-one.

From each insight you can edit or add an expense, or ignore the row (restore it later under Ignored insights).

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.

An expense group is a shared label for related expenses in the same box. It shows on the expense list and helps Transactions Analysis when the bank posts those expenses as one charge.

Keep each line as its own expense for planning (different amounts and schedules). Give them the same group name when they belong together—especially if the bank sometimes or always bills them as one payment. It is fine to use a group just to keep related lines together.

Example: Gym is $50 every month; Gym Maintenance is $30 in March and September. In those months the bank often posts $80 once instead of $50 and $30. Group both as "Gym" so analysis can match that combined charge to the expenses due then. In other months only Gym is due, so a $50 charge still matches. If the bank posts $50 and $30 separately, analysis falls back to matching them one-by-one.

Prefer related expenses in one group. Avoid putting unrelated bills under the same label, in case one leftover charge equals their combined total and gets treated as a single settlement.

Put merchant text in an expense’s name or description to help matching either way.

How much to keep in your account as of a given day for a box’s upcoming bills until your next refill, based on planned expenses. In Accounts that day is today; in Reports charts it is each day on the timeline. Account vs plan labels this Needed. The Insufficient for plan alert checks your linked account against this amount.

Account boxes: money leaves on each payment day. Credit card boxes: your payment account covers the full statement on the closing day you set. Bills after the next refill don’t count; if a bill and refill share a day, the bill is paid first.

This is a projection—bank posting can shift by a day or two. In multi-currency budgets, amounts convert with mid-market rates that update about daily, so the figure can drift slightly; keep a small buffer if alerts are on. Set refill day in Edit Budget; for credit boxes, set Statement closing day in Edit Expense Box.