Budgets
Budgets
Set monthly limits per category and let Spend Sense track every transaction against them.
1
Open the Budgets tab
Tap Budgets in the bottom navigation.
2
Tap New Budget
Start a new envelope for a spending category.
3
Choose a category
Pick a category like Groceries, Dining, or Transport — or create a custom one.
4
Set your monthly limit
This is your envelope. Every transaction in that category counts against it for the month.
5
Automatic tracking
Spend Sense tracks every transaction against your budget automatically — no manual tallying.
6
Alerts
An in-app alert appears when you approach or exceed your limit so you can adjust before month-end.
Overhead & sinking funds
Overhead is money not yet assigned to a category — your unallocated pool. Assign it to budgets as you plan the month.
Sinking funds are budgets you build up over time for irregular expenses (insurance, gifts, car maintenance). Set a category and contribute monthly so the money is there when the bill arrives.
Tip
Start with 3–5 categories you actually spend in. You can always add more later.