How do I create an account?

You can sign up using your email address, Google account, or Apple ID. Simply tap 'Get Started' on the welcome screen and choose your preferred sign-in method.

How do I set up my preferred currency?

During onboarding, you'll be prompted to select your currency. You can also change it anytime by going to Profile > Currency. Coinify AI supports 100+ currencies worldwide.

How do I add a transaction?

Tap the '+' button on the home screen or transactions tab. Select 'Income' or 'Expense', choose a category, enter the amount, add an optional description, and tap Save.

Can I edit or delete a transaction?

Yes! Tap on any transaction to view its details. From there, you can edit the amount, category, description, or date. To delete, tap the delete button and confirm.

Budgets help you control spending in specific categories. Set a spending limit (e.g., $500/month for Food), and the app tracks your progress with visual indicators.

How do I create a budget?

Go to the Budget tab and tap 'Add Budget'. Select a category, set your spending limit, choose the period (weekly, monthly, or yearly), and save.

What's included in Coinify AI Pro?

Coinify AI Pro includes: Unlimited transactions and budgets, Advanced analytics, Export to PDF & Excel, Cloud backup, AI Chat assistant, Priority support, and 100% Ad-free experience.

Is there a free trial?

Yes! New users get a 3-day free trial on weekly and monthly plans. Experience all features before committing. Cancel anytime during the trial at no charge.

Is my financial data secure?

Yes. Coinify AI uses bank-level encryption for all data transmission and storage. We never sell or share your personal financial information.

Can I use Coinify AI on multiple devices?

Yes! Sign in with the same account on any device, and all your data syncs automatically.

How to Budget When You Have an Irregular Income

The Challenge of Irregular Income

When you work as a freelancer, a gig worker, or on commission, traditional budgeting advice (like "save 20% of your paycheck") often falls flat. Your income might be $5,000 one month and $1,500 the next. Here is how to create a budget that bends without breaking.

Strategy 1: Calculate Your Baseline Bare-Bones Budget

Before you can budget fluctuating income, you need to know exactly how much you need to survive. Calculate your absolute minimum monthly expenses:

-Rent/Mortgage

-Utilities and Internet

-Minimum debt payments

-Basic groceries

-Essential insurance and transportation

If your bare-bones number is $2,500, that is your primary target every single month.

Strategy 2: Budget Based on Your Lowest Month

Look at your income over the last 12 months. Identify the lowest earning month. Build your standard budget around that number. If your worst month brought in $3,000, learn to live on $3,000. When you make more, don't increase your lifestyle.

Strategy 3: Build a "Hill and Valley" Fund

This is crucial. You need an income buffer. During high-earning "hill" months, funnel all excess cash into a specific savings account. During low-earning "valley" months, draw from this account to meet your baseline budget.

Strategy 4: The Percentage Method

Instead of allocating fixed dollar amounts to categories, allocate percentages. For example:

-50% to Necessities

-30% to Business Taxes (Crucial for freelancers!)

-10% to Savings/Buffer

-10% to Discretionary

If you make $1,000 this week, distribute it according to the percentages. If you make $4,000 next week, do the same.

Conclusion

Budgeting with an irregular income requires discipline and a robust buffer. By focusing on your baseline expenses and saving aggressively during good months, you can break the feast-or-famine cycle.