In short
Under Budget, tap Build plan once you have Actuals. Westara copies your booked months and, if you want, estimates the rest of the year.
The options in the sheet
- Scope: Logged months or Full year (January to December).
- Empty months:
Smart: bills keep their rhythm (monthly, quarterly, yearly) across the whole year. Flexible spending uses the average, unless the months already look quarterly or half-yearly. One-offs stay in the months they were booked.
Average: the category average across the logged months.
Last month: repeats the last logged month for each category. - When a month already has a plan: Replace plan or Fill empty only.
- Turn spending and income on or off separately, Skip account transfers, and Exclude this month from averages while the month is still running.
If contracts are turned on, their rhythm can show which month a yearly or quarterly bill belongs in.
Preview and apply
The preview shows what comes From actuals and what is Projected. If most categories are based on just one month, Westara points this out. Apply to forecast writes only planned amounts. Your Actuals stay.
Typical flow
Import a bank statement into Actuals → check categories → save → Build plan → fine-tune single cells in the year table.
In the app
- Budget
You’ll find these areas in Westara after signing in.
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- How is my yearly plan built, and what does AI check? Westara builds your year plan from your household history: under Budget → Build plan, the Actuals you've recorded become planned amounts. Westara calculates the plan from your numbers, not the AI. On Budget AI, the AI then analyzes plan vs actual for a month (Solo and Family).
- How does the household budget work? Westara keeps the plan separate from real spending: Budget is your year plan, Actuals is what was actually booked. The Overview puts both next to your wealth.