Personal Accounting

Budget planning

Know what is left before you spend it.

A budget only works if you can see it at the moment you are about to spend. Set a limit per category and the app keeps a running answer to the only question that matters: how much is left, and how many days does it have to cover.

A limit per category, not one big number

One monthly total tells you nothing until it is too late. Split it: groceries, eating out, transport, subscriptions, household. Each gets its own limit, its own progress bar and its own warning when you are close.

Built for months that are not average

Real months have a car service, a birthday and a dentist in them. The app is built for that:

  • Move an amount between categories without redoing the budget
  • Mark one-off expenses so they do not distort next month’s plan
  • Carry an unspent balance forward if you want to
  • Scheduled bills are reserved from the start of the month, not a surprise on the 28th

The 50/30/20 starting point

If you have never budgeted, start with the classic split: half your income to needs, a third to wants, a fifth to saving and debt. It will not survive contact with reality in month one, and that is fine. The point of month one is to find out what your real numbers are.

Warnings that arrive in time

A notification on the last day of the month is a report, not a warning. Alerts fire when a category passes the threshold you set, while there are still days left to change course.

Questions

Can I budget in more than one currency?+

Yes. Accounts can hold different currencies and totals are converted for the overview.

What happens if I go over?+

Nothing is blocked. The category turns over-budget, the overspend is shown, and the monthly report explains what pushed it.

Can I budget weekly instead of monthly?+

Budgets run monthly, but the remaining-days figure makes a weekly pace easy to read.

Do budgets cost anything?+

No. Budgets, alerts and reports are part of the free tier.

Set your first limit

Pick one category you overspend on and put a number on it.