Smoothed budget
A budgeting method that converts irregular annual charges (insurance, taxes, gifts, car maintenance) into predictable monthly contributions. Rather than absorbing spending spikes, you set aside a proportional share each month so that your current account is never caught off guard.
Why It Matters
Without smoothing, a yearly 600 € insurance bill lands like a rock. With smoothing, it becomes an invisible 50 €/month. Ankora auto-calculates the smoothing amount per category and parks it in a dedicated account.
Concrete Example
Belgian property tax = 1 200 €/year. Smoothed budget = 100 €/month routed to a "Taxes" bucket. When the bill arrives in November, the money is already there.