Track income, outgoings, savings.

List the accounts you actually use - Main current, Bills, Spending, Savings, Joint, etc. Each income and outgoing can then be tagged to the account it lands in or pays from.

Net (take-home) figures. Add salary, side income, interest, anything that lands in your current account.

Bills, groceries, fuel, anything you pay out. Tick "subscription" for recurring services - they get tracked separately.

Predictable annual costs you save up for monthly - car insurance, MOT, holidays, Christmas. Enter the annual amount; we'll smooth it.

Money you move between your own accounts each month - e.g. a standing order from Main current → Bills. These don't change your overall surplus, but they show up in the per-account view so you can see if the right amount lands in each pot.