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EmerWorth follows three simple steps:

1. Plan. Set your expected income and planned spending for the month.
2. Track. Record your income and expenses as money comes in and goes out.
3. Compare. Review your Planned vs. Actual results to see how your month compared with your plan.

Reality won't always match the plan, and that's okay. The value comes from seeing the difference and using what you learn to plan your next month.

With an active subscription or trial, every account starts with a Budget Space for planning and tracking. You can rename it, invite others, or create more Budget Spaces anytime.

That first Budget Space is a good place to start if you're new to EmerWorth.

Use the budget page to plan your month and keep track of what actually happens.

• Create your Planning Setup to quickly choose categories, set planned amounts, and enter your expected income. You can also add categories individually.
• Edit your Planning Setup to update your expected income and planned amounts later.
• Record income and expenses as money comes in and goes out.
• Review the Summary and Breakdown to compare your planned and actual results.
• View previous months to look back at your budgeting history.
• Download a monthly PDF report when you want a printable summary.

With an active subscription or trial, you can budget on your own or invite family and friends to any of your Budget Spaces — all features are included.

Each Budget Space is a separate budgeting workspace with its own months, categories, income, and expenses.

Members of a Budget Space can have one of three roles:

• Owner. Can manage the Budget Space, invite or remove members, and change member roles.
• Editor. Can add and edit budget information.
• Viewer. Can view the budget but can't make changes.

Open Spaces from the navigation bar to manage your Budget Spaces and members. Open Invitations from your account menu to view and respond to invitations.

• Create Budget Spaces and become the Owner of the Budget Spaces you create.
• Invite people to join a Budget Space as an Editor or Viewer.
• Manage members by changing their roles or removing them from Budget Spaces you own.
• Set your default Budget Space to choose which budget opens automatically when you sign in.
• Leave a Budget Space you no longer want to participate in.
• Delete a Budget Space you own when you no longer need it.
• Accept or decline invitations from the Invitations page when someone invites you to join a Budget Space.

If your subscription or free trial ends, Budget Spaces you own become paused.

You and your members can still view existing budgets, income, expenses, and summaries, but cannot add, edit, or remove budgeting information until you renew your subscription.

You can still rename or delete a paused Budget Space.

If you've been invited to another user's Budget Space, you can continue accessing it while the owner's subscription or trial remains active and you have permission to access it.

You can install EmerWorth on your phone or computer so you can open it like an app directly from your home screen or desktop. It uses the same account as the website, so your budgets stay in sync.

Install it from your browser:

• iPhone or iPad. In Safari, tap the Share button, then tap Add to Home Screen, then Add.
• Android. Open the browser menu (⋮) and tap Install app or Add to Home screen.
• Computer (Chrome or Edge). Click the install icon in the address bar, or open the browser menu and choose Install EmerWorth.

If something isn't clear, email support@emerworth.com.