How Budgett XP and Ranking works

💡What XP Is For

XP rewards the small habits that quietly change your finances: paying bills on time, logging your income consistently, tracking your expenses carefully, and saving every month. Nobody gets rich in a week. But a Budgetter who keeps showing up month after month builds real discipline, and XP is how you watch that happen.

⭐The Main Ways to Earn XP

• Log an expense → +3 XP (3 a day, up to 200 XP a month)
• Log income (₱500 or more) → +10 XP (up to 6 a month)
• Pay a bill on or before its due date → +5 XP. Late still counts: +2 XP
• Pay a loan bill on time → extra bonus XP, depending on the loan's length. Add your debts to your Bill List so they count. The loan bonus needs a Debt Payment Tracker connected to the bill.
• Budget well → up to 100 XP a month from 7 budgeting habits. See How Budgeting Earns XP
• Save, shop for groceries, update your Net Worth, and reach milestones → see the full list in Every Way to Earn XP

🤔Why Didn't I Get XP?

• Small amounts don't earn XP. Expenses need to be ₱20 or more, income ₱500 or more, and bills ₱99 or more.
• Same amount, same category, within 24 hours. Only the first one earns XP.
• You reached a limit: 3 expenses a day (plus make-ups from your grace period), 200 XP from expenses a month, 6 incomes a month, or 20 bills a month.
• You deleted it. Deleting an entry also takes back the XP it earned.
• When an entry doesn't earn XP, a short "No XP" note under it tells you why.

🌱Missed a Day? Use Your Grace Period

• Every day gives you 3 expense logs that earn XP.
• Missed a day? You can make it up later in the same month. Up to 5 missed days each month can be made up.
• Example: you missed Monday. On Tuesday, up to 6 expenses earn XP.
• Days missed beyond 5 are lost XP days. Your grace period resets on the 1st of every month.
• A day runs midnight to midnight, Philippine time.

📈The Rank Ladder

As XP adds up, you move through ranks: Novice (0) → Initiate (500) → Apprentice (1,000) → Planner (2,500) → Builder (5,000) → Protector (12,000) → Strategist (20,000) → Grower (30,000) → Fortress (40,000) → Sovereign (50,000). Each one reflects how long you've genuinely been showing up for your own finances. Your trophy grows with you: bronze for Novice and Initiate, silver for Apprentice and Planner, then gold from Builder up, with a new ornament at every rank. At Sovereign, you pick a King crown or a Queen tiara.

🔍Two Kinds of XP

• Season XP starts fresh every 3 months (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec) and shows how you've been doing lately.
• Lifetime XP never resets. It's your full, permanent record, and it's what your rank is based on.

📊Your XP Report

• Find it in Profile → XP Report. It shows where your XP came from, ranked from your strongest habit down.
• Monthly report: we notify you on the 1st of every month.
• Bigger reports take over on April 1 (January to March), July 1 (6 months), October 1 (9 months), and January 1 (the full year).