Give your money a job.
Welcome to the Sobres help center. Here you'll learn how to use every screen and, most importantly, understand how your money comes in, gets assigned, gets spent and moves around.
The essentials first
Start here
The envelope method and the 4-step cycle, no detours.
How your money moves
The key page. The complete mental model, with diagrams.
Guides by screen
One guide for each tab in the app, with numbered steps and what happens to your money.
Summary tab
Your overview: available money, goals and payment calendar.
Budget tab
Your envelopes: assigning money and moving it between categories.
Accounts tab
Accounts, transactions, clearing and reconciling.
Reports tab
Spending trends, net worth and charts.
Settings tab
Theme, Face ID, privacy, multi-currency and your data.
Deep dives
Savings goals
The 5 goal types and how the app plans your contribution.
Credit cards
The payment reserve, and why it's the least intuitive part.
Scheduled payments
Recurring payments: process, skip and adjust amounts.
Reconciliation
Clearing vs. reconciling: matching your bank.
Frequently asked questions
Quick answers to the most common questions.
You can go through the guides in order with the Previous / Next buttons at the bottom of each page, or jump straight to what you need from the menu on the left. Use the search box in the sidebar to find a topic instantly.
The screenshots show the app in Spanish. The screens are the same in English: only the labels change.
Quick questions
Do I need to connect my bank?
No. Sobres is 100% manual: you record your income and expenses. It never connects to banks or reads statements. That's on purpose: writing down every transaction is what keeps you aware of your money.
Do I have to create an account?
No. You can use everything in local mode (your data stays on your iPhone). Creating an account is optional and only serves to sync between devices. See Settings.
What is "Unassigned"?
It's money you already have but haven't given a job yet. The goal is to bring it down to $0 by spreading it across your envelopes. We explain it in depth in How your money moves.