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.

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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 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

Open Budgets and tap + New budget.
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.
- By counterparty — a limit on a specific payee.
- By project — a limit on a project/line (a renovation, a trip, a business line).
Pick the goal — a category, a counterparty or a project (the overall budget skips this step).
Enter the monthly limit amount.

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.

The “New budget” button opens a card: the breakdown (category, counterparty or project), 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.

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:

the remaining amount in large type and “N days left in the month”;
a spending bar with a linear-pace marker: if the filled part has overtaken the marker, you are spending faster than the month is passing;
a status — “on plan — spending is even”, “pace above plan — it may not last until the end of the month” or “limit exceeded by N ₽”;
a “Per day” chip — the remainder divided by the days left;
a “Targeted limits” chip — the sum of all the other budgets in the book.

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 overall budget is an “Overall limit” hero above the list: the same remainder, the bar with its pace marker and the status; tap the card to edit it.

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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:

the overall budget cannot be saved below the sum of the targeted limits;
a targeted budget cannot be set above what is left under the overall one.

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:

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

Where to go next

Summary — where you see the budgets every day.
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.