Budgets

A budget helps you stay within bounds — set a limit on a category or a counterparty for a period, 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.

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Budgets by category: the monthly limit, spent, remaining and progress for each category.

Budgets on the phone: the limit, spent and progress for each category over the month.

Budgets

A budget is a spending limit for a chosen breakdown over a chosen period. 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

Open Budgets and tap + New budget.
Give it a name — “Food”, “Entertainment”, “Rent”, whatever you like.
Choose a period: month, quarter, year or custom.
Choose a breakdown:
- By category — a limit on one or several categories.
- By counterparty — a limit on a specific payee or group.
Enter the limit amount.

The budget starts counting from the first day of the chosen period. A progress bar appears on the Summary: how much is spent, how much is left, how many days remain in the period.

The “New budget” button opens a card: the breakdown (category or counterparty), the goal and the monthly limit. “Create” — the budget joins the list, and the overall monthly limit at the top grows.

On the phone: “Create budget” → choose a category and a limit → “Save”. The first budget shows the progress for the month straight away.

How progress is calculated

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

If a budget is linked to several categories at once, its level is calculated from the sum of all of them. This lets you, for example, combine “Cafés” and “Delivery” into one shared “Eating out” budget.

Warnings

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

Up to 75% — green, all good.
75–100% — amber, time to ease off.
Over 100% — orange, the limit is exceeded.

Where to go next

Recurring transactions — templates for repeating income and expenses.
Categories & counterparties — what budgets are built on.
Analytics — reports that help you understand which budgets you actually need.