UGMA
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Step-by-step guide

From a blank account to a forecast you actually trust

About fifteen minutes to set up. Five minutes a month to keep honest. Work through these six steps in order and the rest of UGMA falls into place.

Start forecasting See pricing
  1. 01

    Set your starting point

    Choose your currency, country and the month you want to start from. UGMA builds your balance from that month, so everything after it lines up with real life.

    • Currency and country
    • First tracking month
    • Opening balance

    2 minutes

    Open Settings
  2. 02

    Add your income

    Every payment that lands in your account — salary, benefits, side work, a partner's pay. Mark anything that only arrives some months so the forecast doesn't over-promise.

    • Pay dates
    • Partner and second incomes
    • Irregular payments

    4 minutes

    Open Income
  3. 03

    List your outgoings

    Add each bill or spending line under a category. Fixed bills keep the amount you set; variable ones like food and fuel are predicted from your own recent months.

    • Monthly bills
    • Annual and termly costs
    • Everyday spending

    6 minutes

    Open Outgoings
  4. 04

    Log what you actually spent

    Once a month, update the real figure next to each line. Your funds remaining and risk score reshape straight away — no spreadsheet, no starting over.

    • One pass a month
    • Live month-end position
    • Nothing to re-plan

    5 minutes a month

    Open This month
  5. 05

    Plan debts and big one-offs

    Credit cards gives you a payoff order and a debt-free date. Any large future payment gets a suggested monthly amount to set aside, added for you under Balloon payment plan.

    • Payoff order
    • Debt-free date
    • Set-aside suggestions

    3 minutes

    Open Credit cards
  6. 06

    Look ahead

    Year view shows the shape of your year. The five-year forecast uses your own inflation and pay-rise assumptions, and What if? lets you test a move or a career break first.

    • Year view
    • Five-year forecast
    • What-if scenarios

    Whenever you like

    Open Forecast

Once you're set up

Safety net & pension

Set an emergency fund target and see how many months of essentials it covers. The pension page projects your pot to retirement.

Family & childcare

Pick your country and region for typical school breaks, likely holiday childcare costs and the government schemes you may be entitled to.

What if? scenarios

Build a scenario, switch it in or out, and every forecast reshapes around it. Nothing is committed until you say so.

Ready to see what's coming?

Set up your first month now — the FAQ answers most of what people ask in their first week.

Start forecasting Read the FAQ