A daily check-in, plus your monthly plan
Start with the figures you already know. You do not need to connect a bank account or create a profile.
Start with Today
Choose a spending pot for the period before payday, after allowing for EMIs, bills and savings. Log each expense with its amount, category and date. Entries save immediately on this device. Edit or remove an entry from Recent entries.
The remaining pot is your chosen budget minus recorded expenses from the start date through the day before payday. The daily allowance divides a positive remainder by the calendar days left, including today and excluding payday. It rounds down to two decimal places. A deficit stays visible; the allowance becomes zero. After payday, set a new plan. This estimate does not read your bank balance.
Goals, your garden and the week ahead
My goals records money you have actually set aside, including withdrawals. It does not transfer funds or automatically subtract from your spending pot. The Payday challenge lasts seven days. Review each day and check in to grow your plant; spending over the target does not remove progress. Missed past days can still be reviewed. Weekly recap compares the latest seven calendar days with the preceding seven using only entered daily expenses.
Save a copy and set your routine
Open Your space to export or restore a JSON backup, download expenses CSV, or download a recurring calendar reminder. Import the reminder into your calendar to activate it. Sign in with the same account on each device. Saved records load automatically and changes sync while online; offline edits wait for reconnection. If sync pauses for conflicting edits, review the copies in Your account.
Your monthly calculator
Open the Monthly calculator tab for the original salary, EMI and bill planning tool. Daily records do not change its totals. This separation lets you keep a plan and an actual spending record without silently counting costs twice.
1. Choose your month and replace the example
The dashboard initially shows an example budget, or the figures previously saved for its selected month. Check the month above the numbers before you edit. You can replace individual fields directly or use Start blank to clear the currently displayed budget.
The current version contains January–December 2026. Existing saved months remain in this browser. When you select a month with no saved record, the current figures may carry over: review them before saving, rather than assuming the month is empty.
2. Enter take-home pay and instalments
Use the salary amount credited to you, rather than annual CTC. Add each monthly EMI using the amount on your lender’s repayment schedule. If a salary deduction is already excluded from take-home pay, entering it again as an expense will count it twice.
3. Add expenses and unpaid bills
Other expenses can hold rent, groceries, travel or another cost you want counted for the month. Bills is for amounts still owed. Pending and Overdue bills are counted; Paid bills are excluded. Use each section deliberately and do not enter the same cost in both.
4. Read the result in context
Money left is the difference between income and the costs entered. A red Deficit label means those costs exceed income; its amount is displayed without a minus sign. Missing costs will make the result look better than the month really is. The budget indicator uses fixed thresholds and is not a lender’s assessment.
5. Save, then keep a copy if you need one
Monthly amount and label edits save automatically, as do bill changes. The Save button is also available. While signed in, saved changes sync to your account. PDF opens the browser’s print dialog; choose Save as PDF to keep a copy. No reminder is sent when a bill is due.
Follow a complete worked example or read the calculation rules.
Open the budget tracker →