How can we help?

Your first connection, first budget, and a quick tour.

• How do I get set up?

  Connect a bank, let the first import finish, and take a look at your transactions.

• How much history does Vylo import?

  Vylo requests 90 days of transactions when you first connect a bank.

• Where is everything in Vylo?

  Transactions is called Activity on iPhone. Your household data is the same in both apps.

• Can I use Vylo without connecting a bank?

  You can record expenses, income, assets, and debts manually.

• Can I import an old spreadsheet or move from another app?

  Moving from Excel, Monarch, or YNAB? Tell us what you want to bring across.

Connect accounts, understand delays, and get back in sync.

• How do I connect another bank account?

  Add a bank or credit card from Accounts.

• How often do transactions sync?

  Transactions sync in the background. The timing depends on your bank and its connection provider.

• Why is a transaction missing?

  Check the month and filters, then the bank’s posting and sync status.

• How do I reconnect a bank?

  Use Reconnect when an existing bank needs you to sign in or verify it again.

• What if my bank isn’t listed or won’t connect?

  Some institutions or account types aren’t available through Plaid or Finicity.

• Why do I see the same account twice?

  A repeated bank connection or a joint account connected by both partners can create two copies.

• How do I disconnect or remove a bank?

  Remove a connected institution from Accounts.

• Why doesn’t a balance match my bank?

  Compare the same account and check when its balance last updated.

Find, correct, and sort the money coming in and going out.

• How do I find a transaction?

  Search in Transactions on the web or Activity on iPhone.

• How do transactions get sorted?

  From a bank purchase to a category—and what happens when Vylo needs your help.

• How do I change a transaction’s category?

  Choose the right category for a purchase or payment.

• How does the review queue work?

  Confirm a category, change it, or skip the transaction until you know what it is.

• How do I add a cash purchase or other manual transaction?

  Add cash spending or income that won’t arrive from a connected bank.

• What are pending transactions?

  A pending purchase has not been finalized by your bank.

• Why is a purchase showing twice?

  Check whether you’re seeing two purchases or two versions of the same purchase.

• How should I categorize transfers, credit-card payments, and refunds?

  A card payment is not a second expense. A refund is not salary.

• Can I add a note to a transaction?

  Add a short reminder of what a purchase was for.

• How do I export transactions?

  Download a spreadsheet of transactions from the web app.

• What if I don’t recognize a charge?

  Compare it with your receipts. If it may be unauthorized, contact your bank.

Understand the defaults, choose your own names, and adjust how purchases are sorted.

• How do categories and groups work?

  Categories label transactions. Groups keep related categories together.

• What are Vylo’s default categories?

  Every default category, what belongs in it, and examples to help you sort your transactions.

• How do I rename a category?

  Click a category’s name on the web, or edit it in iPhone Settings.

• How do I create a new category?

  Create categories for your spending or a separate source of income, such as freelance work.

• How do I create or rename a category group?

  Create your own groups or rename the ones Vylo starts with.

• What does “Remember merchant” do?

  Save a category for future purchases from the same merchant.

• How do I edit category rules and keywords?

  See why a category matches a purchase and add your own keywords.

• How do I move, combine, or delete categories?

  Move a category to another group, or choose where its transactions go when you delete it.

• What are excluded categories, and when should I use them?

  Keep transfers and reimbursed work expenses out of your household budget without deleting the transactions.

Build a monthly plan and adjust it as life changes.

• How do I build a budget from past spending?

  Use your recent spending to suggest monthly category amounts, then adjust them.

• Can I make a budget from scratch?

  Choose your own monthly spending amounts without using past spending.

• How do I change a budget amount?

  Change what you plan to spend in a category.

• Why does a budget total look wrong?

  A budget total comes from the transactions assigned to its categories.

• How do I compare budgets over time?

  Compare category spending and budget targets across several months.

• How do I track salary and other income?

  Track money that arrived separately from the income you planned for.

• Can I track income and expenses from a side gig?

  Keep freelance payments, tutoring income, or sales separate from salary, and track what the work costs you.

Invite someone and understand what you share.

• How do I invite someone to my household?

  The owner can invite a partner or family member. Each person uses their own login.

• What can household members see and change?

  Household members share transactions, accounts, categories, and budgets.

• Why isn’t my household invitation working?

  Check the email address and use the newest invitation.

• How do I remove a household member or leave a household?

  The household owner can remove a member or cancel a pending invitation.

See what changed this month and over time.

• Where do I find my monthly reports?

  Find completed months in Reports and open the one you want to review.

• Why does a report differ from the dashboard?

  Reports and the dashboard may show different months or differently updated transactions.

• How does Vylo calculate net worth?

  Net worth is what you own, minus what you owe.

• How do I add or update a manual asset or debt?

  Add a home, vehicle, loan, or other value that doesn’t come from a connected account.

• How do I track net worth over time?

  Compare assets and debts over time, using the balance history available to Vylo.

• What does projected spending mean?

  An estimate of spending by month-end, based on the data available so far.

Payments, invoices, cancellation, and App Store subscriptions.

• What does Vylo cost?

  $2 for your first month, then $7 a month. One subscription covers your household.

• How do I cancel my subscription?

  Cancel on the web if you subscribed there. Cancel through Apple if the App Store bills you.

• What happens after I cancel?

  Renewal stops. Paid access continues until the end of your billing period.

• How do I manage an App Store subscription?

  Apple manages payments, renewal, and cancellation for subscriptions bought in the iPhone app.

• How do I change my card or download an invoice?

  Update a web payment card or download a paid invoice from Billing.

• What should I do if a payment fails?

  Update the payment method with the service that bills you—Vylo or Apple.

• I paid already. How do I restore access?

  Restore an existing Apple purchase or check an active web subscription.

• How do I ask about a charge or request a refund?

  Email us about a web charge. Apple handles refunds for App Store purchases.

• Who can manage the household subscription?

  One subscription covers the household. The billing owner manages payments and renewal.

Sign-in help, preferences, data controls, and security.

• How does Vylo use AI?

  What OpenAI receives, when Vylo asks permission, and how to turn it off.

• Why can’t I sign in?

  Use your account email and the newest sign-in or reset message.

• Why am I being asked for a sign-in code?

  New devices need a one-time code sent to your email.

• How do I change my email address or password?

  Verify a new email address, or request a password-reset link from Settings.

• How do I sign out another device?

  See where you’re signed in and end sessions you no longer recognize or use.

• How do I change notifications and report emails?

  Choose notifications for bank issues, review, budget alerts, and monthly reports.

• How do I change the theme or hide balances on screen?

  Choose a theme or hide financial values while using the app.

• How do I download a copy of my data?

  Prepare an export of your account and household data in Privacy & Security.

• How do I delete my Vylo account?

  Delete your account from Privacy & Security. Cancel any Apple subscription separately.

• How does Vylo protect my bank information?

  Read-only bank access, protected sign-ins, and the privacy controls available to you.

Get in touch, report a problem, or suggest something better.

• How do I contact Vylo support?

  Email hi@myvylo.com. A person will help you.

• How do I suggest a feature or improvement?

  Tell us what would make Vylo better. We read every suggestion.

• How do I report a bug?

  Tell us what happened, where it happened, and what you expected.