A funding schedule fills a set of buckets on the days you choose, usually your paydays. Each run moves money from left-to-spend into those buckets, toward their targets. Nothing moves at your bank.

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Create a schedule

1

Open Funding Schedules

Go to Settings › Funding Schedules and tap Add Schedule.
2

Name it and pick a frequency

Choose how often it runs, then its day or days under Paydays.
3

Check the next runs

Next Runs previews the upcoming dates so you can confirm the rhythm.
4

Add buckets

Under Buckets, tap the buckets this schedule should fill, then save.
For monthly and semi-monthly schedules, Last day means the last day of every month, however long it is. A day the month doesn’t have, like the 30th in February, runs on that month’s last day. If Copper has spotted your paycheck, the schedule can follow it instead of a fixed date. See Paychecks.
A bucket belongs to one schedule at a time. Buckets already on another schedule show its name and can’t be picked. You can also set a bucket’s schedule from the bucket editor, under Funding Schedule.

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What each run does

Runs happen around 9 a.m. on each run day, on Copper’s servers, so your phone doesn’t need to be open. Each bucket on the schedule gets its share of what it’s still missing:
  • Copper counts the runs left before the bucket needs its money: a bill’s due date, a goal’s target date, or the end of the bucket’s cycle (the calendar month for a monthly bucket).
  • Each run funds an even share of the shortfall across those runs, and the last run before the deadline tops the bucket up exactly.
  • A bucket that’s already at its target gets nothing.
For example, if you’re paid on the 1st and the 15th, a monthly bucket gets half on the 1st and the rest on the 15th. A yearly bill gets a small slice every payday until it’s due. A goal of $1,200 by March 1, started in mid-September, gets $100 every payday. After a run, everyone on the budget gets a notification with how much moved, the buckets that got the most, and left-to-spend afterward.
A run doesn’t check left-to-spend first. If your buckets need more than you have, left-to-spend can go below zero and show Over-allocated.

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What the next run needs

Under the figures at the top of the Overview and Buckets pages, Copper shows what your next funding run will put into your buckets, like “$640 needed for buckets on Oct 15”. Tap it on the Buckets page to open your funding schedules.

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Missed runs

If a run is missed, the next one catches up on the occurrences it skipped (up to eight at once), then continues on the normal rhythm.

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Fund now

To fill buckets outside the schedule, tap Fund all at the top of the Buckets tab. Pick one option and Copper shows the total and where it leaves left-to-spend before anything moves: Savings buckets that mirror an account are never funded.

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Pause a bucket

To skip a bucket for a while without deleting it, like a gym that’s closed for the summer, turn on Pause funding. For a bill, it’s on the bill’s sheet when you tap it; for a spending bucket or goal, it’s in the bucket’s editor. It pauses until the 1st of next month; tap the date to pick another. Funding runs and Fund all skip it until then, its money stays where it is, and its tile reads Paused until that day. Turn the switch off to start funding it again right away. You can also ask Penny: “Pause Gym until January”.

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Edit or delete a schedule

Tap a schedule in Settings › Funding Schedules to change it. Changing its frequency or days recalculates the next run. Delete schedule stops it from funding its buckets; their balances stay as they are.