Budget templates explained: start from a shape, not a blank page

A blank budget page is where good intentions die. Moneybag AI's onboarding wizard therefore asks just one budgeting question: which starting shape do you want — Lean, Moderate, or High Spender? Skip is always allowed too.

What the templates do

Each template assigns sample monthly limits to the default categories — food, transport, housing, and the rest. Lean keeps discretionary categories tight; Moderate assumes a balanced household rhythm; High Spender allocates more room so your budget reflects reality instead of shaming it.

Why amounts scale with currency

Sample limits are calibrated differently depending on the currency you picked at signup — South-Asian currencies like BDT, INR, PKR, LKR, and NPR get one scale; global currencies like USD, EUR, and GBP get another. The numbers are deliberately illustrative, never prescriptive.

They're yours to break

• Every template amount lands in Budgets as an ordinary editable row
• Change any limit, delete categories you don't use, add ones you do
• Progress bars turn red with an exact overage when a category crosses its limit
• In-app alerts fire as soon as spending pushes past the line

The point of a template isn't correctness on day one — it's momentum. Start from a sensible shape, then let one or two months of real data argue with it.