Categories are how your money gets its meaning — the difference between "spent 1,911 this month" and knowing where it went. Wealth Mutant seeds a sensible default set at signup and lets you shape it from there.
The default set — and making it yours
You start with the essentials: housing, groceries, dining, transport, utilities, entertainment, health, and friends. Add, rename, or reorganize in Settings → Categories:
Add a custom category
Settings → Categories → +. Pick the type (income or expense), a name, an icon and color.
Assign its bucket (expenses only)
Fixed for committed costs (rent, insurance), Flex for discretionary spending, Non-Monthly for the irregular-but-inevitable (repairs, gifts, annual fees).
Use it immediately
New categories appear in the transaction form, filters, budgets, and reports the moment they're saved.
Why buckets matter
Buckets are the machinery behind Flex budgeting: instead of tracking twenty category limits, Flex mode rolls your spending up into the three buckets and shows you one meaningful number — what's left in Flex. If a category is bucketed wrong (a subscription sitting in Flex, say), Flex mode will feel wrong; a one-time visit to Settings → Categories fixes it.
Renames are safe
A category is a reference, not a label stamped on each transaction — rename "Eating Out" to "Food & Fun" and every past transaction, budget, and report follows instantly. History is never lost by reorganizing.