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Understand the terms and choices you see in NiyaJar.
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Balances after reserves, unpaid bills and giving due this period (including overdue). Excludes expected income and later or unrecorded obligations. Check dates and setup.
Add transaction
History only: recorded balances stay unchanged.
Use different categories with positive amounts totaling the transaction. Goals, bills and debt links apply to the full payment.
Edit category plan
Planning only: saving or moving an allocation changes category limits. It does not transfer money or change account balances.
Save or restore a manual backup
A recovery key helps with a forgotten password. An encrypted backup stored outside this device protects against a lost phone, uninstall, or cleared storage. Save and verify a backup now.
