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Budgets

A budget helps you stay within bounds — set an overall limit for the whole book or a targeted limit on a category, a counterparty or a project, and the app shows how much you've spent and how much is left. A colour-coded progress bar warns you when spending is getting close to the limit. Planning goes month by month: one limit for presents in December, another in January — and past months stay exactly as they were.

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“Budgets”: the month ribbon, the overall budget with what is left and the spending pace, targeted limits by category, payee and project. The “⇅” button sorts the rows — “By share of limit”; pressing again reverses the order.
Budgets on the phone: the month stepper, the “Total limit” with what is left and a bar, then the cards — the overall budget first, the rest by name with “calm”, “close”, “overspent” statuses. “⇅” → “By share of limit” reorders the cards; the overall budget stays on top.

Budgets

A budget is a spending limit for a chosen breakdown over a calendar month. When spending within the breakdown gets close to the limit, a warning appears on the Summary; when it goes over, the indicator turns red.

Create a budget

  1. Open Budgets and tap + New budget.
  2. Choose a breakdown:
    • Overall budget — one limit for every expense in the book; nothing needs tagging.
    • By category — a limit on a category; a parent covers all of its subcategories too. A separate limit can also sit on a subcategory inside the parent one — see below.
    • By counterparty — a limit on a specific payee.
    • By project — a limit on a project/line (a renovation, a trip, a business line).
    • By account — a limit on a card or an account as a whole, with no category attached: for when you watch the flow through one card rather than the structure of your spending.
  3. Pick the goal — a category, a counterparty, a project or an account (the overall budget skips this step).
  4. Enter the monthly limit amount.
  5. Switch on “Carry the leftover to the next month” if you want it — see below.
  6. Write a “Comment” if you like — what the money is planned for, see below.

The type of goal cannot be changed after creation — the switch is locked in the edit form. If you picked the wrong breakdown, delete the budget and create it again.

“New budget” → “Category” → “Gifts” → a 10,000 ₽ monthly limit → “Create”: the budget joins “By category”, and “Targeted limits” in the header grow by 10,000 ₽.
“+” in the Budgets header → the “New budget” sheet: “Category · Payee · Project · Account · Whole book” pills → “Gifts” → a 10,000 ₽ limit → “Save”: a “Gifts” card with the month’s bar appears in the feed.
An account budget counts only what you spend from it. Transfers between your own accounts and investment movements stay out of the limit: moving money to a savings account is not an expense. On the “Budgets” screen such limits get their own collapsible “By account” card with “account · spent / limit” rows, with the same icon and colour the account has in the directory.
A monthly limit on a project can also be set from the other side — right in the project form, with the “Until month end” deadline mode. It is the very same limit: it shows up here right away and can be edited in either place. A budget for the whole project (the “until a date” mode) and the category limits inside a project are separate things, though — they do not appear in this list.

The budget starts counting from the first day of the month and resets in the next one. A progress bar appears on the Summary: how much is spent, how much is left, how many days remain in the month. By default a limit carries over to the following months until you change it — but that is configurable, see “Planning month by month”.

A category budget can also be set from the other side — right on the category page: if there is no limit yet, a “Set budget” button sits there, and if there is one, you see the progress of the month. It is the very same budget as in the list here.

Carrying the leftover to the next month

The “Carry the leftover to the next month” switch in the budget form (on the computer, on the web and on a phone) makes the limit cumulative: if you did not spend 2,400 ₽ in August, September gets its own limit plus those 2,400 ₽.

The switch is off by default — an ordinary budget resets every month, exactly as before.

“New budget” → the “Account” breakdown → “Cash” → the monthly limit → “Carry the leftover to the next month” → “Create”: the limit joins the “By account” card, and next month the unspent leftover is added to it.
On the phone: “+” on “Budgets” → “Account” → the account → the limit → “Carry the leftover to the next month” → “Save”. The budget joins the list, and next month it shows a “+… carried over” badge and the limit together with the leftover.

A subcategory budget inside the parent one

A limit can also sit on a subcategory when its parent category already has a budget: say, “Food” is 40,000 ₽ and “Cafes and restaurants” inside it is 8,000 ₽. Such a budget is the detail inside the parent one: on the “Budgets” screen it sits as a row under the parent, indented, and the parent shows under its amounts how much of its limit is already given to subcategories.

“New budget” for “Cafes and restaurants” while “Food” has a budget: the limit is pre-filled with the unallocated remainder, 30,000 ₽ is refused, 8,000 ₽ is accepted — and the row settles under “Food”.
On the phone the rule is the same: the “Unallocated in the “Food” budget” hint, an error when the parent is exceeded, and the subcategory row indented under its parent.

Sorting

The ⇅ button to the right of a section title — “By category · 6” or any other non-empty one — opens a menu: “By name”, “By amount spent” or “By share of limit”, that is, by how much of the limit is already used up. Picking the same item again reverses the order. A collapsed section has no button, and the phone app has no sections at all — there the button sits in a row above the list.

There is one order for the whole screen: a choice in any section re-sorts them all. The book’s overall budget always comes first, and subcategory budgets follow the same order inside their parent. The default is by name, A to Z. The last sort you picked is remembered on the device and restored when you open the screen; it is not synced between devices. The “Budgets” widget on the Summary does not take this sort over and keeps the order in which budgets were created.

Planning month by month

Circumstances differ: December triples the spending on presents, summer pushes up petrol, and a renovation happens exactly once. So a budget is not one sum “forever” but a limit for a particular month, and the “Budgets” screen always shows one specific month.

A past month is labelled “closed” — it is over and its numbers will not change any more. A future one is labelled “plan”: the limit can be set in advance, before the first expense.

“Plan” is about the data, not the calendar. The transaction form accepts a future date, and as soon as the first expense appears in a future month, the budget switches to actuals: it counts what has been spent and what is left, exactly as it does in the current month. This is decided per budget — the ones with no spending that month stay a plan.

“From this month” or “this month only”

The main rule: editing a limit never rewrites the past. When you change the amount, the app asks which month it applies from — the “Apply” field:

The budget row shows what happened to it: “since March · before 12,000 ₽”, “March only”, “new since March” or “last month”. No need to recall why February carried a different figure — it is written right there in the row.

One-off budgets and ending a budget

When creating a budget, the “Active” field sets its lifetime:

A budget you no longer need does not have to be deleted: the End from month button closes it from the chosen month onward. The history survives — in past months the budget stays in place with its own numbers. Deleting, by contrast, wipes it out entirely, together with the history of its limits.

An ended overall budget does not prevent you from starting a new one from the next month: the “one overall budget per book” rule is checked by overlapping months, not by the mere fact that one exists.
In the month ribbon, December → “New budget” → “Children”, 15,000 ₽, “Only for December” and a comment: in January this budget is gone. “Entertainment” → “End from November”: from November the row disappears, while October keeps it with its figures.
On the phone, “Only for …” is chosen in the “Applies” field, and “End from …” by a long press on the budget row.
The strip of months above the budgets: switch to the next month, edit a limit and choose “From month onward” — earlier months keep the old amount, and the row gains a “since … · before …” note.
On the phone the month is switched with a ‹ month › stepper and a “Today” link; the “Apply” and “Active” fields are the same, inside the editor sheet.

Comment: what the money is planned for

When you plan a month ahead, it is easy to forget what exactly you meant to buy. The budget form has a “Comment” field for that: “winter tyres and fitting”, “holiday presents”, “tickets and a hotel”. The field is optional.

The overall budget of a book

You don't have to tag your reference lists to start budgeting. Choose the “Overall budget” breakdown in the budget form and name a single number — a monthly ceiling for all expenses in the book. From then on the app answers “how much is left” by itself.

On the “Budgets” screen the overall budget is a large card at the top. It shows:

Clicking the card opens the limit for editing.

The overall budget of a book: the “Overall budget” breakdown in the form, then the hero card with the remainder, the spending bar with its pace marker, the status and the “Per day” and “Targeted limits” chips.
On the phone: “+” → the “Whole book” pill → a 200,000 ₽ limit below the sum of targeted budgets — the form refuses to save → 300,000 ₽ → “Save”: the “Total limit” is now counted from the overall budget, and its card goes first.

The overall and the targeted ones together

The overall budget includes the targeted ones rather than sitting beside them: spending in the “Food” category counts towards both the “Food” limit and the overall one. Targeted budgets are the detail inside the overall one, so their amounts are not subtracted from it.

Hence the rule the app enforces from both sides:

There is one overall budget per book. If it already exists, the “Overall budget” option in the new-budget form is captioned “already set — there can only be one”, and the limit itself is edited on the card. The type of the goal cannot be changed after creation at all: a targeted budget does not turn into an overall one or the other way round — create the one you need instead.

On the Summary the overall budget comes first in the “Budgets” widget, and in the mobile app the “Overall limit” hero is driven by it.

How progress is calculated

A budget sums up all expenses (and only expenses) from the chosen breakdown over the month. Income and transfers are not included. If a category has subcategories, they are summed in too.

To combine several spending lines into one budget, set the limit on their parent category: a “Food” budget will collect “Cafés”, “Delivery” and “Groceries” alike.

Warnings

The colour of the progress bar changes automatically based on the percentage of spending against the limit:

Where to go next