Words we use in Backdur
Simple meanings of the words you'll see in the app, from forecast to balance floor.
| Word | What it means |
|---|---|
| Balance today | What Backdur works out is in your account today: your last balance check-in plus everything since. |
| Forecast | Your balance on every day ahead, from your income, payments, savings and plans. |
| Balance check-in | Telling Backdur what your bank shows on a day (Set real balance). Every later day carries on from it. |
| Entry or one-off | Something that happened once: an expense or money that came in. |
| Income stream | Income that repeats, like a salary, with one or more paydays a month. |
| Recurring payment | Anything you pay again and again: rent, DStv, Netflix, gym, school fees, data. |
| Planned purchase | Money put aside each month for something you'll buy: a phone, a car, yearly rent. |
| Savings plan | Money you keep, like an emergency fund, saved each month. |
| Investment plan | Money in an investment, like a Cowrywise fund, Risevest or Bamboo, with a monthly top-up. |
| Budget | A spending limit for something, like Food, each month. |
| Income split | How you share your income between parts, like Needs, Wants, Savings and Giving. |
| Safe to spend | The most you can spend now and still not drop below your balance floor (or zero) before your next income lands. |
| Balance floor | The least you want to have in your account. Backdur warns you as you get close. |
| Skip | This payment isn't happening this time. |
| Pause (the clock) | This payment is late. It counts for nothing until it lands. |
| Paid | This payment happened. |
| Income or Not income | Money that was really earned or received, or money that only passed through your account. |
| Spent or Not spent | Money that was really spending, or money that only moved. |
| Net worth | Balance today + savings + investments + money owed to you − money you owe. |
| Tomi | Backdur's AI. Ask her things or tell her what to add. Nothing is saved until you tap Do it. |
Can't find what you need?
Write to us and a person will reply. In the app, you can also go to Settings → Help → Support.