Common questions.

A Christian family budget that bakes Pr 3:9 into the engine — every dollar that comes in flows to Giving first, then Savings, then everything else, with ten scripture-rooted AI agents that read your actual money and speak with the dosage you control.

Sign up at firstfruits.app/sign-up. The Concierge wizard walks you through 6 steps in about 5 minutes — name your household, set your tithe rule, pick scripture intensity. After that, add your first transaction or import a CSV from Rocket Money / Mint / YNAB / your bank.

No. Manual entry and CSV import are first-class flows. Automatic bank sync via SimpleFIN is also live today on Core (~10 min one-time setup at bridge.simplefin.org, ~$1.50/mo per institution paid directly to SimpleFIN). One-click Plaid bank login lands on Aligned shortly after public launch. Many families still prefer manual review at first — it forces the question "is this transaction stewarded well?" before it lands in the budget.

About 5 minutes. You can stop and resume — your progress is saved per-step.

The budget engine itself enforces the order: income flows to Giving first, Savings second, Lifestyle (everything else) third. Most apps put spending as one bucket; Firstfruits shows Giving and Savings as peers above Lifestyle. Pr 3:9 — "Honor the LORD with your wealth, with the firstfruits of all your crops" — applied structurally, not just as marketing copy.

In the Concierge wizard step 5 (or Settings later), set a total percentage — say 10% — then add as many destinations as you want with their own percentages. Summit Church 70% + Compassion International 20% + "TBD — decide later" 10%. Percentages must sum to 100. Placeholder rows are real: you commit to the rate now, decide where it lands later.

Yes. The tithe rule supports percent of gross income, percent of net income, or fixed dollar amount per month.

It watches your giving against your stated rule. When you hit the target, you get a celebration email. When you drift below, you get a gentle nudge — not a guilt trip. Firing cadence is governed by your "proactivity" dial: off, quiet, default, active. Adjust at /settings/agents.

Fully. Add new categories, rename existing, change covenant role, archive, delete (when no transactions reference it). Sub-categories nest one level deep — e.g., Groceries → Costco. Manage at /settings/categories.

Six roles your categories live in: Giving, Savings, Provision (basics — groceries, mortgage), Hospitality (eating out, gifts), Margin (healthcare, repairs), Lifestyle (subscriptions, entertainment, personal). The firstfruits-first allocation works on these roles, not on individual categories.

On /budget, click any category's target dollar amount to inline-edit. Press Enter to save. Use "Copy from last month" at the top to bring forward last month's targets in one click.

Workplace plans (401k, 403b, 457b, Roth 401k, ESOP, pension), the IRA family (Traditional, Roth, SEP, SIMPLE), specialty shelters (HSA, 529), standard taxable brokerage, and alternative investments (real estate, crypto, private equity / angel, precious metals). Add an account at /settings/accounts → type Investment. The page auto-suggests a subtype from the account name; one click confirms.

Configure your match terms once on the workplace account: annual salary, match percentage (e.g., 100%), match cap percentage of pay (e.g., 6%). The page shows real-time capture in dollars: how much you have captured, how much is still on the table, and the per-paycheck contribution rate that would clear the cap by Dec 31. We do NOT change your contribution for you — that happens in your employer's payroll portal.

For each retirement subtype with an IRS limit (401k family, IRA family, HSA), the bar shows YTD contributions as a percentage of the legal annual limit, with a vertical hairline at the fraction-of-year-elapsed marker. Color shifts: warm = under pace, teal = on pace, action red = over the limit. Catch-up rules apply automatically when your birthdate is on file: 50+, 55+ HSA, and SECURE 2.0 ages 60-63 super-catch-up.

Per investment account, log the date you last confirmed the beneficiary form is current. We do NOT store WHO the beneficiary is — that's private, edge-case-laden, and updates have to happen at the broker anyway. We just log "you paused and checked on this date," with optional household-private notes ("Primary: Jen, contingent: 4 kids equal share"). Stale = older than 365 days, which surfaces a soft nudge.

Tracked at the household level (not per account) on the Estate Documents card. Same dates-only approach: we never store the document content, just the date you last confirmed each is current. Stale = older than 24 months (slower cadence than beneficiary forms because document updates have higher friction). The four are: Will, Trust, Durable POA, Healthcare Directive (living will / advance directive).

Set your household state once. If your state offers a 529 deduction or credit (~32 states + DC do; flat-no states include CA, FL, TX, NC), the page shows your YTD contribution against the state cap and the remaining deductible room. Households often stop at $200/mo without realizing they have thousands more in deductible room.

No. Hard line. We name the questions; we don't answer them. We surface BRI / values-aligned investing options like Inspire / Eventide / Praxis / GuideStone for households who want to consider whether their funds align with their values, but we never pick a specific fund. We never recommend Roth vs. traditional, asset allocation, or rollover destinations. Those are conversations for your fiduciary advisor or CPA.

When YTD investment income (dividends, interest, capital-gain distributions credited to investment accounts) crosses $500, the page surfaces the firstfruits-on-yield card. Pr 3:9-10 names "firstfruits of all your produce" — most households apply that faithfully to paycheck income but never to dividends and interest. The card states the math (e.g., "10% of $1,200 would be $120") without prescribing a percentage. Each household sets its own firstfruits rule on /budget.

A single 0-100 number summarizing how many applicable stewardship items the household has in place: per-account subtype + purpose + beneficiary, household-level estate documents (4), state code for 529 tracking, allocation target, and match terms on workplace plans. Items only count when applicable — no penalty for missing match terms when there's no 401k. Tone-tinted: action red <50, ochre 50-79, teal 80+. The tile lives on /dashboard alongside Net Worth and as a card at the top of /investments.

Manual position entry — symbol, friendly name, asset class (stocks/bonds/cash/real_estate/commodities/crypto/alternative/mixed), quantity, current value, optional cost basis + expense ratio + as-of date. Rolls up into household-wide asset allocation + per-account drift detection. Updates at your cadence (typically quarterly). Plaid Investments later auto-populates the same table — no UX change for you.

Set a target mix (stocks/bonds/cash/etc, must sum to ~100). The page shows current vs target per class, with signed drift in pp (overweight = action red, underweight = ochre). When any class drifts more than 5pp, the Stewardship Checklist surfaces a rebalance prompt. The "Suggest a starter mix for my age" button pre-fills using the conventional rule of thumb (stocks % ≈ 110 - age) — a starter, not a recommendation. Real allocation depends on more than age; talk with a fiduciary.

Each investment account can be tagged to a specific household member (Owner picker on /settings/accounts → edit). When set, contribution-pace catch-up math (50+, 55+ HSA, SECURE 2.0 60-63) and RMD age threshold (73+) use that owner's birthdate per-account. Null = shared/unspecified, falls back to the viewing user's birthdate. Multi-spouse households get accurate per-person math; single-owner households see no change.

Tag your 401k account as type=Investment, then create a recurring rule on /recurring with the 401k as the destination account and a positive amount. /investments shows "Auto-funded: $500 monthly from Payroll" on the account card and "On autopilot: $X/mo across N rules" at the top. /forecast surfaces the same as a Long-horizon contributions tile. Same data, three places.

Click "Stewardship report" in the /investments header. Renders a tight 1-2 page summary (net worth, tax buckets, allocation, per-account detail with holdings, estate documents, open items, closing scripture) that prints cleanly via your browser's native print or save-as-PDF. Descriptive only — no recommendations. Hand it to your fiduciary at the next meeting.

Once a quarter (1st of Jan / Apr / Jul / Oct), an email digest summarizing the long-horizon picture: net worth + 12-month delta, total invested + YTD contributions, employer match still on the table, and outstanding stewardship gaps (beneficiaries, estate docs, undecided purpose). Counterpart to the weekly Sunday recap. Adjust at /settings/notifications under "Quarterly stewardship report."

Auto-detects Rocket Money, Mint, YNAB, and a generic format. The importer maps category names to your covenant categories via an alias table (e.g., "Restaurants & Dining" → "Eating Out", "Auto & Transport" → "Transportation"). Re-uploading the same file is idempotent — no duplicates.

On /transactions, check the boxes on the rows you want to recategorize. A sticky bottom bar appears with a category dropdown — pick one, click Apply, all selected rows update at once. You can also click "Re-run category matching" at the top to re-apply the alias map after editing categories.

Transfers between your own accounts (checking → savings) are tracked as paired transactions. They show up on /transactions but are excluded from income and spending aggregations so you don't double-count. Use /transactions/new and click the "Transfer" pill to create one. CSV import auto-pairs rows whose source category contains "Transfer" with their opposite-leg counterpart.

Click any transaction to go to its detail page. Under "Splits", click "Add first split" and divide the transaction across multiple categories. Common case: a Costco trip = $150 Groceries + $50 Personal/Misc. Splits must sum to the parent transaction's total.

Yes — single-tx delete via the ✕ button on /transactions, or bulk-delete via the checkbox flow. Both are in the audit log; restore is a manual re-add.

Web only (the mobile app does not export). Sign in at app.rocketmoney.com → click Transactions in the sidebar → set a date range with the date picker (default is the last month — bump it back as far as you want history) → click the small "Export" link in the top-right of the transaction table → CSV downloads as transactions-YYYY-MM-DD.csv. Drop into /transactions/import. Firstfruits auto-detects the Rocket Money column layout.

On the web app: Edit budget → ⚙ icon → Export budget → choose CSV. Two files come back; you want the All Transactions one (the other is the budget definition). Drop into /transactions/import. Note: YNAB exports already-categorized data, so most rows land categorized on import.

If you still have a working Mint export from before the shutdown, drop it directly into /transactions/import — auto-detected. If you migrated to Credit Karma when Mint sunset, that path doesn't expose CSV export; use a bank-direct export instead.

On schwab.com → Accounts → pick the account → Transactions → set the date range you want → click "Export" near the top-right → choose CSV. Each Schwab account exports separately; do one per account, drop them all into /transactions/import. The generic-format adapter handles the Schwab column layout.

Try the generic adapter — Firstfruits looks for "date", "amount", "description", "category" columns by name (case-insensitive). If your file has different column names, open it in a spreadsheet, rename the headers, and re-upload. We're collecting examples to add native adapters; email a sample to hello@firstfruits.app and we'll add yours.

Most banks only expose 12–24 months on the export form. For older data, request a "transaction history" report from the bank in PDF, then either OCR + reformat (tedious) or accept that pre-window history isn't worth the lift. Firstfruits' SimpleFIN bridge backfills 90 days on first connect — beyond that, CSV is your tool.

Three: Firstfruits Concierge (onboarding + general help), Stewardship Companion (Sunday recap, deep-knowledge of your money), Generosity Coach (celebration + gentle nudge). Seven more drop monthly Sept 2026 → Mar 2027.

Yes. They have read-only tools to query your firstfruits summary, category spending, top movers, giving consistency, recent transactions, recurring rules, monthly trends, and savings goals. Every tool call is logged in the audit log. They cannot write, transfer money, or modify anything.

Each user has their own scripture intensity dial: Off, Light, Default, Deep. Set it during the wizard or update at /settings/agents. "Off" is a real first-class experience — secular families get a clean multi-agent budget tool. Per-agent on/off toggles also available.

Trial: $0.30/mo. Founders/Core: $2.50/mo. Aligned: $8/mo. When you hit the cap, agents switch to static-scripture-of-the-day mode until next billing cycle. Adjust your usage at /settings/billing.

Welcome (one-time, on signup). Sunday weekly recap from Stewardship Companion (every Sunday at 1pm ET). Generosity Coach check-in (monthly, on the 28th). Transactional: invitations to your household. Authentication emails for sign-in.

/settings/profile → Email notifications. Three toggles for weekly recap, generosity coach, and product updates. Each per-user.

On SOC 2 Type II managed-infrastructure providers, encrypted at rest and in transit. We do not sell, share, or use your data to train AI models. The full sub-processor list is provided to subscribers on request — see /legal/privacy.

/settings/billing → "Export everything (JSON)" gives you a complete dump of your household's data. /transactions has "Export CSV" for a transactions-only download (filter-aware).

Email hello@firstfruits.app. Account closes within 24hrs; data deleted after 30-day restoration window.

14-day trial (card required). Founders' tier: $79/year, locked forever for the first 100 households. Core: $9/month or $99/year (1 month free). Aligned (with Plaid): $19/month or $190/year (2 months free, post-launch). All plans have AI spend caps to keep costs predictable.

No. As long as you stay subscribed, your rate is locked. New customers post-#100 pay Core rates.

Yes. /settings/billing → cancel. Access stays through the end of your current paid period.

The Chrome extension fetches each order's detail page to pull true per-line prices. Some older orders or orders shipped from third-party sellers don't expose them on the detail page either — for those we proportionally split the order grand total across the items so the import still reconciles to your bank charge. If a multi-item order looks weirdly distributed, open the transaction and use the split editor to override.

Some Anthropic API calls retry once on transient errors before surfacing. If the button stays in "Thinking…" for >60 seconds without a result, refresh the page and try again — your data is unchanged. If it persists, email hello@firstfruits.app with your Error ID (shown in the page footer or the standalone error screen).

Fixed in the May 3 release. If you're still seeing this on a recent visit, hard-refresh the /transactions page (Cmd-Shift-R / Ctrl-Shift-R). The audit log on /admin shows what actually got applied — if it lists "applied: 0" against your batch, send us the timestamp and we'll dig in.

SimpleFIN passes the bank's native category as-is. We surface it on the transaction detail page as "orig: <bank category>" so you can use it as a hint while assigning a covenant category. The /vendors page is the fastest way to bulk-resolve a list of payees in one pass.

The recap covers Sunday through Saturday and sends Sunday morning. If your household just connected to a bank or imported a CSV, the recap won't include those transactions until the following Sunday. The first recap a household receives is intentionally short.

We support JPEG, PNG, HEIC, and PDF up to 20MB. iOS Live Photos sometimes show as 60MB+ — convert to JPEG first. If a receipt fails silently, check the browser console for a 413 (too large) or 415 (unsupported type). Drive / iCloud / Dropbox shareable URLs paste in cleanly via the URL field if upload is acting up.

Email hello@firstfruits.app — we read every one and add to this list as patterns emerge. Include your Error ID if a screen showed one.