Budgets suggested from your last six months

Blank-slate budgets ask you to invent numbers. Most people guess, feel guilty when life does not match the guess, and abandon the plan. A better starting point is what you already spend — cleaned so transfers and noise are not pretending to be lifestyle categories.

Trixie turns roughly six months of category averages into budget suggestions. You review them. You create the budgets you want to keep. The app does not invent a secret plan for you or move money to enforce one.

Why history beats blank-slate budgets

A useful budget is a conversation with reality. If dining has averaged a certain amount for half a year, that number is a stronger draft than a round figure you wish were true.

History-based suggestions:

• Respect how your household actually buys groceries, gas, and everything else
• Surface categories you might forget when staring at a blank form
• Give you something concrete to raise, lower, or accept — instead of inventing from scratch

Trixie’s promise is measurement first: see what you actually have and actually spend — then budget from that reality. Suggestions are the bridge between honest run-rate and a plan you own.

Six-month category averages, after the exclusion engine

Raw averages lie when they include the wrong lines. Paying a credit card is not a second dinner. Moving money to savings is not a shopping spree. A one-time deposit can warp “typical” for months.

The exclusion engine decides what counts toward lifestyle averages before those averages become suggestions. Transfers between your own accounts are paired. Card payments settle liabilities without double-counting. Clear one-offs can sit outside the average that feeds “normal.” Splits keep mixed checkouts honest across categories.

So the six-month picture behind budget suggestions is the same cleaned history that powers honest run-rate — not a separate, noisier dataset.

Suggestions you accept — you create the budgets

Claim-safe clarity matters here: Trixie suggests; you create.

That means:

• You see proposed amounts grounded in category history
• You decide which budgets to create and at what level
• Nothing auto-creates a full budget set behind your back
• Nothing moves money between accounts to “stick to the plan”

You remain the decision-maker. The product’s job is to make the first draft honest so editing is about priorities, not archaeology.

Ask Trixie can help you explore category trends and averages while you decide. It is a tool-using chat feature over your data — not a manager of your money, and not the category claim of the product.

Rollover that respects how months actually go

Months are uneven. A quiet grocery month followed by a party month is normal. Rigid zero-every-category-to-zero resets fight that rhythm.

Rollover in Trixie is there so unused budget can carry in a way that matches how people actually live — without pretending every category must land exactly on the line. Paired with honest history, rollover keeps the plan forgiving enough to stay in use.

The point is continuity: a budget you still open next month is more valuable than a perfect spreadsheet you abandoned in week two.

The catch-all category for everything else

Not every dollar fits a tidy label on day one. A catch-all covers the rest so the plan does not shatter when something uncategorized or miscellaneous shows up.

Catch-all is not a failure mode; it is honesty about incomplete labeling. As splits and categories improve, more spend lands in named budgets. Until then, the catch-all keeps total planning aligned with total run-rate instead of leaving a mysterious gap.

Together, named category budgets plus catch-all give you coverage without requiring perfect taxonomy before you start.

How budgets sit next to bills and run-rate

Budgets are one layer on the same foundation:

• Whole balance sheet — What you have, updated daily
• Honest run-rate — What you typically spend after exclusion
• Budget suggestions → your budgets — Intentional limits and targets from history
• Recurring bills + predicted due dates — What is coming, next to the same history
• Rewards gaps, retirement Monte Carlo — Insight and long-range plans from the same numbers

When bills, budgets, and run-rate share one cleaned picture, you are not reconciling three apps’ opinions of “normal.” Household visibility extends that shared picture to partners with per-account clarity. Web and iPhone stay on the same underlying data.

What budgets are not:

• Not open signup access — Trixie is invite-only
• Not bill pay or money movement — Plaid is read-only
• Not a credit score product
• Not auto-enforced envelopes the app funds for you

Start from reality: request an invite

If you want budgets that begin from cleaned six-month averages — suggestions you accept, rollover that respects real months, and a catch-all for the rest — Trixie is built for that loop.

Request an invite at /waitlist. When you are in, connect accounts, let history settle, review suggestions, and create the budgets that match how you actually spend. Measurement first; the plan second — from reality, not from a blank page.