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← User Guide

Budgeting Tool

Set a limit for a month, then see what you actually spent against it.

Web App
Same as the other two tools. Budgeting, Portfolio and Goal work the same way: the month, account or currency the page is drawn for sits at the top, + Add sits in the card title, and every row carries a pencil and a trash. Learn one, you can drive all three.

Contents

  1. What a budget is
  2. Open the tool
  3. The page at a glance
  4. Add a budget
  5. Narrow what it counts
  6. Edit or delete
  7. Copy another month
  8. Review the month

What a budget is

A budget is a limit with a name, for one month.

🎯

A name and a limit

"Groceries, 800 AUD". That is the whole thing. The tool then counts what you spent and shows you both figures side by side.

🔍

It can be narrowed

By default a budget counts every expense in the month. You can point it at certain categories, certain people, or money in a certain currency.

📅

One month at a time

Budgets belong to the month you set them in. August has its own set, September starts empty, and you can copy one month into another.


Open the tool

  1. 1 Open the web app.
  2. 2 Click your username, top right.
  3. 3 Choose Budgeting Tool.

The page at a glance

One month, two cards: what you planned, and what happened.

Finance Tracker
Budgeting Tool
Month
August 2026
Budget Rules + Add budget
Budget nameLimit
Groceries Expense
🛒 Groceries
800.00 AUD
Salary Income 5,000.00 AUD
Review Budget
ItemBudgetActualsRemainder
🛒 Groceries 800.00 642.10
The Month at the top drives both cards. Change it and the rules and the review both follow.

Add a budget

One form, saved the moment you close it.

  1. 1 Pick the Month at the top of the page.
  2. 2 Click + Add budget in the Budget Rules title.
  3. 3 Give it a name, choose Expense or Income, and type the limit with its currency.
  4. 4 Click Save. There is no separate save step: the month is stored as soon as the form closes.
Add budget
Budget name
Groceries
Type
Expense
Limit
800.00
Limit currency
AUD
Counts
🛒 Groceries
Spent by
Any
Paid in
Any
Note

Narrow what it counts

Three optional filters in the form. Leave them alone and the budget counts everything.

FilterWhat it does
CountsOnly these categories. Tick Groceries and Dining, and only those two feed the budget.
Spent byOnly these family members. Useful for a personal allowance inside a family ledger.
Paid inOnly money in these currencies. Useful when one household spends in two currencies.
Every box ticked and no box ticked mean the same thing: no filter. So a family-wide budget needs nothing set.

What a budget is narrowed to reads under its name in the list, so you never have to open the form to remember.


Edit or delete

Both live on the row itself.

  1. 1 Find the budget in the list.
  2. 2 Click the pencil to reopen the same form, or the trash to remove it.
  3. 3 A delete asks first. Nothing you already spent changes: a budget is a target, not money.

Copy another month

Most months look like the last one.

  1. 1 Set the Month you are filling in, at the top.
  2. 2 Under the list, set Copy from to the month you want to reuse.
  3. 3 Click Copy Budget, then edit any row that needs a different limit.
Copying replaces the budgets in the month you are filling in. If that month already has some, you are asked to confirm first.

Review the month

The second card counts your real transactions against each limit.

ColumnMeaning
CCYThe currency the limit is set in.
BudgetThe limit you set.
ActualsWhat was really spent or earned, in the same currency.
RemainderA bar. Green while an expense is under its limit, red once it is over. For income it fills as the money arrives.
UnbudgetedSpending in a category no budget covers. It is listed so nothing hides.

Click a row to open it up: the same figure split by the person who recorded it, and click again to see the transactions behind it.

Nothing in Review is typed by you. It is your ledger, read back against the limits you set.