In a budgeting app, categories group spending, such as groceries, transport or bills, so you can compare it with your plan. Pots, envelopes or goals usually mean separate amounts set aside for specific purposes, while recurring payments are regular transactions such as rent or subscriptions. Rollover means unused money can be carried into the next month, although apps may apply different rules. The app’s terms should explain how transactions, bank connections and cancellations work, so check them carefully before linking an account or relying on a feature.