Why don't I have a flame at all yet?

The flame lights once Bunse can measure two habits: your savings rate and your emergency fund. Credit utilisation is only counted if you have a credit card, so it's never needed to light the flame.

To measure them, Bunse needs:

• Your monthly income, on the Budget tab.
• Your regular costs: your budget lines, or a bank statement import.
• Your savings: at least one savings account in Savings. If you don't have any savings yet, tap the i on the flame card and choose I don't have savings yet. Your emergency fund is then measured as zero.

The card tells you which of these is still missing. Tap the i on it for the full list.