Your budget should move money, not just plan it.

Income & Expenses

Know exactly what you have to work with.

Enter your monthly income. IHAB tracks every recurring expense — fixed or variable, base or discretionary, debt or not.

Your budget summary shows your total income, total expense outflows, total set-aside contributions, and your unallocated remainder — so you know at a glance how much is planned, how much is spoken for, and how much is still available.

Need to adjust for a one-off month? Monthly budget overrides let you change amounts without touching your baseline. Your template stays clean. Your override stays temporary.

The compact dashboard surfaces your top 5 expenses at a glance. No scrolling through 40 line items to find what matters.

• Monthly income input
• Recurring expense tracking: fixed, variable, base, non-base, debt-flagged
• Budget summary: income, expenses, set-asides, and unallocated remainder
• Monthly budget overrides without changing your baseline
• Compact dashboard view with top 5 expenses

Budget Allocation

Watch every dollar find its place.

The allocation view is the core of IHAB. It shows exactly how your income flows: first to recurring expenses, then into each scheduled set-aside in priority order. Whatever remains lands in unallocated.

This is not envelope budgeting. There are no buckets to manually fill. Allocation runs top-to-bottom based on the priorities you set. Change your income or an expense, and every downstream allocation recalculates instantly.

You see the full picture in one view: how much goes where, what gets fully funded, what gets partially funded, and what gets nothing this month. No surprises. No math. Just a clear plan.

• Visual flow: income → expenses → set-asides → unallocated
• Priority-based allocation — change one number and everything downstream recalculates
• Instant visual feedback on every budget change

Real Balance Tracking

See how funded you actually are.

Planning is only half the picture. IHAB also reads actual balances back from Sequence, so you can see the real funded status of every goal, non-monthly expense, and budget category — not just what you planned to contribute.

When Sequence moves money on your behalf, the actual balances update in IHAB. You see the gap between what you planned and where you actually stand. No logging into separate accounts. No spreadsheet math.

Want to know if your emergency fund is on track? Add it as a scheduled set-aside, link it to a Sequence entity, and IHAB shows you the real balance. It is just another goal — you set the priority, drag it wherever you want in the order, and IHAB tracks its actual progress alongside everything else.

• Actual balances pulled from Sequence for every linked set-aside and budget category
• Planned vs. actual view for goals and non-monthly expenses
• Emergency fund tracked as a scheduled set-aside — prioritize it however you want
• Balance data updates when Sequence executes transfers

Savings Goals

Set the order. Skip the decisions.

Every savings goal has a place in your plan. You control the order. Drag a goal up, and it gets funded before everything below it. Drag it down, and higher-priority goals eat first.

The system makes the allocation math disappear. You do not decide how much to put toward each goal this month. Whatever is left after expenses cascades through your goals top to bottom. Each goal takes what it needs until it is full, then passes the remainder to the next.

Goal targets can be static dollar amounts or dynamic — based on expense filters and multipliers. Want a goal that equals 6 months of rent? Filter for your rent expense, set the multiplier to 6, and the target updates automatically when rent changes.

• Drag-and-drop goal priority ordering
• Automatic allocation based on priority position
• Static dollar targets or dynamic targets with expense filters and multipliers
• Goals fully funded in priority order — partial funding visible for the cutoff goal

Non-Monthly Expenses

Annual insurance. Quarterly taxes. Handled.

Not every expense happens monthly. IHAB lets you plan for the bills that blindside most budgets: annual insurance premiums, quarterly estimated taxes, semi-annual subscriptions, one-time purchases.

Set the amount, pick the recurrence pattern, and IHAB calculates the monthly set-aside you need. All non-monthly expenses are scheduled set-asides — the same model as savings goals, just with a due date. No separate sinking fund spreadsheet.

The 24-month cash flow projection shows exactly when each irregular expense hits, month by month. You see the impact before it arrives. You plan for it structurally instead of scrambling when the bill shows up.

• Recurrence patterns: one-time, annual, semi-annual, quarterly
• Automatic monthly set-aside calculation (total divided by months until due)
• 24-month cash flow projection with month-by-month impact
• Non-monthly expenses and savings goals in one unified set-asides model

Sequence Integration

Your budget feeds Sequence. Sequence reports back.

This is what separates IHAB from every other budgeting app. Your budget is the source of truth for every transfer amount. When Sequence executes a rule, it calls IHAB to ask: how much should I move right now? IHAB responds with the current planned amount in cents. Sequence moves it.

You do not manually update rule amounts each month. IHAB holds the current planned number. Sequence asks. IHAB answers. Every transfer uses the amount your budget says it should — not a stale figure from last month.

It goes both directions. After Sequence moves money, IHAB reads the actual balances back. You see real goal progress inside your budget. The plan and the reality stay in sync.

Generate API keys directly in IHAB to connect your account. Keys are hashed at rest using SHA-256. Full CRUD endpoints let you manage expenses, set-asides, and finance data programmatically.

• Sequence calls IHAB for current planned amounts when rules execute
• IHAB responds with the amount in cents — always current, never stale
• IHAB reads actual balances back from Sequence for every linked item
• REST API with full CRUD on expenses, set-asides, and finance data
• API key generation with SHA-256 hashed storage