Smoothed effort
The same amount every month, instead of light months and heavy ones: what your bills and loan repayments cost you on average per month. A bill paid once a year counts for its amount divided by 12, a bill paid every 3 months for its amount divided by 3.
Why It Matters
If you count on this amount every month, big bills stop catching you by surprise. Ankora calculates from what you entered; it never makes a transfer.
Concrete Example
A 708 € insurance paid once a year counts for 59 € a month (708 ÷ 12). Add 800 € of rent and a loan repaid at 250 € a month: 59 + 800 + 250 = 1,109 €. In reality you pay 1,050 € most months and 1,758 € in the insurance month; 1,109 € is the average over the year.