Budgets

Set spending limits and track your progress in real time. Create budgets for specific categories or distribute your budget across multiple categories, with customizable periods and automatic alert thresholds.

Overview

Budgets help you control your spending by setting limits for specific time periods. The app tracks your expenses against these limits and notifies you when you’re approaching or exceeding your budget.

Budget List

The Budgets tab shows all your active budgets:

• Budget name and period (Daily, Weekly, Monthly, Yearly, Custom)
• Progress bar — visual indicator of spending vs. limit
• Amount spent out of total budget (e.g., “2 846 zl of 20 000 zl”)
• Status badge:
• On Track (green) — spending is within the limit
• Over Budget (red) — spending has exceeded the limit
• Remaining amount or overage

Note: If you don’t have any budgets yet, you’ll see a prompt: “Create a budget to start tracking your spending limits.”

Creating a Budget

Step-by-step

1. Tap Create Budget on the Budgets tab (or the + button)
2. Enter a Budget Name (e.g., “Monthly Groceries”)
3. Select the Currency
4. Choose a Budget Mode: - Overall — set a single total amount, optionally linked to one category - By Category — distribute the budget across multiple categories, each with its own limit
5. Enter the Amount (Overall mode) or add categories with amounts (By Category mode)
6. Choose a Period: - Daily — resets every day - Weekly — resets every week - Monthly — resets every month - Yearly — resets every year
7. Set Alert At threshold (default: 80%) — you’ll get notified when spending reaches this percentage
8. Tap Create Budget

By Category mode

In By Category mode, you can assign a spending limit to each expense category:

• Tap Add Category to pick a category from the list
• Enter the amount for each category
• The total budget equals the sum of all category amounts
• You can add as many categories as needed

Budget Details

Tap any budget to see its full details:

• Progress visualization — bar showing spent vs. limit
• Status — On Track or Over Budget
• Category Breakdown — for multi-category budgets, see each category’s progress:
• Color dot + category name
• Spent / allocated amounts
• Per-category progress bar (green/yellow/red based on usage)
• Period — the budget’s time range
• Alert Threshold — the notification trigger point (e.g., 80%)
• Days Remaining — how many days left in the current period
• Projected Total — estimated total spending by period end based on current pace
• Active/Inactive — the current status of the budget

Actions:

• Edit (pencil icon) — modify name, amount, categories, period, or alert threshold
• Delete — remove the budget (with confirmation)

Spending History

The History card shows how you’ve performed against this budget over the last 6 periods. It’s available for all period types except Custom.

• Bar chart — each group shows two bars: your actual spend (colored) and the budget limit (gray) for that period.
• Green bar — spent within the limit
• Red bar — exceeded the limit
• Compliance summary — e.g., “Over budget 3 of 6 periods” or “Avg savings: $42”
• Average overage — if you went over in some periods, shows the average amount by which you exceeded the limit

Tip: Use the history card to spot recurring overspend patterns. If you see 3–4 red bars in a row, consider raising the limit or adjusting your habits for that category.

Editing a Budget

Tap the pencil icon on the budget detail screen to switch to edit mode:

• Change the budget name, currency, period, or alert threshold
• Switch between Overall and By Category modes
• In By Category mode: add, remove, or change amounts for categories
• Tap Save to apply changes, or Cancel to discard

Budget Alerts

The app automatically monitors your budgets and sends notifications:

• Threshold alert — when spending reaches your set alert percentage (e.g., 80%)
• Over budget alert — when spending exceeds 100%
• Progress bar color changes dynamically:
• Green — under 80% used
• Yellow/Orange — 80–100% used
• Red — over 100% used

Tip: The Monthly Budget card on the Dashboard shows your primary budget status at a glance.

FAQ

• Q: Can I have multiple budgets at the same time? A: Yes! You can create as many budgets as you need — for different categories, periods, or overall spending.

• Q: What’s the difference between Overall and By Category modes? A: Overall sets one total limit (optionally for a single category). By Category lets you set individual limits for each category — useful when you want to track groceries, transport, and entertainment separately within one budget.

• Q: What happens when a budget period ends? A: The budget automatically resets for the new period. Your previous spending data is kept in Analytics.

• Q: Does the budget track expenses in all currencies? A: Each budget is tied to one currency. Only expenses in that currency count toward the budget.

See also: Dashboard | Analytics