Set up your household
After you sign up — on your iPhone or on the web — Amppfy walks you through six short steps. Most people finish in about ten minutes, and you can change anything later. On iPhone, amount fields bring up the decimal keypad, so typing balances is quick.
Step 1 — Who you manage money with
Section titled “Step 1 — Who you manage money with”Choose Just me, With a partner, or My household. This shapes sharing, privacy, and the weekly check-in — and you can change it later.
Give your household a name if you like (“Jordan & Riley”, “The Rivera house”) — it appears across the app and in your emails. If you share money with someone, enter their email now and they’ll get their own sign-up link, or invite a partner anytime.
Step 2 — Where spending money lives
Section titled “Step 2 — Where spending money lives”Add each place your money lives: checking, savings, credit card, cash. For each account, type the current balance and choose whether it counts toward Safe-to-Spend™ — everyday checking usually does; a vacation fund you don’t want touched usually doesn’t.
Balances only — no transactions. About 30 seconds per account, and you’ll refresh these at the weekly check-in.
Step 3 — When money comes in
Section titled “Step 3 — When money comes in”Add each paycheck in the household with its amount, schedule, next date, and the account it lands in. Weekly, biweekly, twice-monthly, monthly, and irregular schedules are all supported — details in Paydays and income schedules. Your next payday sets the window your number covers.
Step 4 — What must be paid before payday
Section titled “Step 4 — What must be paid before payday”The most common bills are pre-listed — rent or mortgage, electric, gas, water, trash, phone, internet, streaming, and more. Fill in amounts and due dates for the ones you have and leave the rest blank; blank rows simply don’t count. Have a credit card? Use + Add another credit card to add each one’s minimum payment, so it’s counted before your number appears.
Step 5 — Pick your safety cushion
Section titled “Step 5 — Pick your safety cushion”Your cushion is money the number never touches, so an ordinary surprise stays ordinary. $500 is the recommended starting point, $250 is a lighter one, or choose your own — whatever lets you sleep well.
Step 6 — Your number, and your check-in day
Section titled “Step 6 — Your number, and your check-in day”Tap See our number and there it is: your first Safe-to-Spend™ number, with the math under it. One last thing — pick the moment each week for your ten-minute check-in (Sunday evening, Monday morning, Friday payday…). Then Go to dashboard.
Here’s how to read the number. On the web, the same dashboard looks like this:
After setup: goals
Section titled “After setup: goals”Savings goals aren’t part of setup — add them whenever you’re ready from the Goals tab. Each goal sets its monthly amount aside first, like a bill, and Safe-to-Spend™ is calculated from what’s left. See Goals.