What every part of the app does, and why it does it that way.
27 topicsUpdated 29 Aug 2026
A budget that lives on your phone and answers one question: how much is left?
Budget Tracker tracks one month at a time. You log what you spend as you spend it, and the top of the Home screen always shows what is left against your income.
It is built for a phone. Everything you do every day sits on the first screen without scrolling, and everything you set up once sits on the other tabs.
There are no ads, no trackers, and nothing is sold or shared.
Set your salary, then start logging. Everything else is optional.
Two steps are enough to make the app useful:
That is it. The month hero, the breakdown and the trends all fill themselves in from those two things.
When you have a spare minute, add your monthly bills and any installments on the Plan tab so the app knows what is already committed.
Everything is stored on your phone first, so no signal never blocks you.
The app keeps your budget on the device itself. You can open it, log an expense and read your trends with no connection at all — on a plane, in a basement, anywhere.
If you are signed in, an encrypted copy syncs to the cloud whenever you are back online. Nothing is lost in the meantime.
Add it to your Home Screen and it opens full-screen like a normal app. See Install the app below.
Optional. Sign in with Google and your budget follows you to any device.
The app works fully without an account. Signing in adds three things:
Google sign-in only tells us your name, email and photo. We never see your Google password, and your amounts are encrypted before they are stored.
Card or cash, an amount, and you are done. The category fills itself in.
The form sits right under the month card on Home, so it is always one tap away.
If you leave the category empty, the app reads the merchant name and picks one for you. It knows Kosovo businesses — markets, petrol stations, pharmacies, telecoms — plus ordinary Albanian trade words like barnatore or furra.
Better still: whenever you set a category by hand, it remembers that merchant forever. The next payment there is filed automatically.
The big number at the top, plus your cap if you set one.
The card at the top of Home is the whole point of the app. It shows what you have spent this month, and under it either Left to spend or Overspent by, measured against your salary plus any extra income.
If you set a monthly cap on the Plan tab, a second line shows how much of it is left.
Tap the currency chip to switch currency — every amount in the app is converted at today's rate.
Search, filter by card or cash, edit anything, or clear the whole month.
Under the form is everything you logged this month. You can search it, filter to just card or just cash, and see the filtered total.
Tap the pencil on any row to change the label, amount, method, date or category. Tap the bin to delete it.
If some rows have no category, a Categorize button appears — one tap files every row the app recognises, and it never touches a category you chose yourself.
Rows that came from an installment plan show which payment they are (for example 3/12). Editing one of those opens the whole plan, not the single row, so the payments always still add up to the total.
Attach a photo to any expense. It stays on this phone only.
Open any expense in the list and you will find Add a receipt photo. Useful for a warranty or a return.
The photo is shrunk before it is saved so it does not fill your phone, and only a few dozen are kept — the oldest is dropped when you go past that.
Photos are not backed up to the cloud. That is deliberate: a handful of images would blow past the sync size limit and stop everything else from syncing. Deleting the expense, or clearing the month, deletes its photo too.
A ring chart of your categories, biggest first.
At the bottom of Home, every category you spent on this month, ordered biggest to smallest, with the total in the middle.
Anything you never categorised is grouped as Uncategorized — which is your cue to hit the Categorize button in the list above.
What comes in. Everything else is measured against it.
On the Plan tab, enter your monthly salary. This is the number the whole app compares your spending to.
Got paid for something on the side? Tap Extra income, add the amount and a note. Each entry is listed separately and can be removed, and the total is added to your salary for that month.
Salary is per month, so a raise next month does not rewrite your history.
The ones that come every month. It carries last month's amount over.
Rent, electricity, water, internet, subscriptions — add them once and they appear every month with whatever you paid last time already filled in. When the bill is different, just change the number.
Drag the handle to reorder them so the ones you pay first are at the top.
A bill counts as an expense in the month it belongs to, and shows in the list with a bill tag.
Split a big purchase so only this month's share counts against this month.
Bought a phone on twelve payments? Add the full price and the number of months, and the app charges one share to each month instead of hitting a single month with the whole thing.
Set the first charge month, whether it is card or cash, and a category. A live preview shows exactly what it works out to per month before you save.
A plan is a template, not a copy — change the total later and every month re-splits, so the payments never stop adding up to what you actually owe. A future plan does not touch this month's totals until its time comes.
Set a monthly cap, or a cap per category, and get warned before you blow it.
You can set one overall cap for the month, and a separate cap on any category.
When you reach 80% of a cap, a warning banner appears on Home. When you go past it, the banner turns red. It tells you which cap, how much of it you have used, and the percentage.
Caps are optional. Nothing is blocked — the app tells you, it does not stop you.
Tell it what you have today; it tracks how each month moves it.
Open Manage on the Savings card and enter what you actually have right now. Nothing before today changes it. From that point on, overspending your income pulls from it and a saved month tops it up.
You can set several goals — a car, a holiday, a buffer — each with its own target and optional date. Each goal measures only what you have added since you set it, so a new goal does not start out already half full.
One-off moves in or out (a deposit, a withdrawal) can be logged separately, and the month-by-month history shows exactly how you got to today's number.
Who owes you and who you owe — kept out of the month's budget.
Lending someone money is not spending it, and getting it back is not income. So the ledger sits on the Savings tab and never touches your monthly totals, charts or caps.
Record who, how much, the date, an optional due date and a note. Money coming back is logged in parts — €50 now, €30 next month — and each part is listed with its date.
Tap the summary line to open the history, where any single repayment can be corrected or removed on its own. That matters once there are several: you can fix the third of five without unwinding the two after it.
Three ways to be told a debt has gone past its date.
Give a debt a due date and the app will chase it for you. There are three layers, and they promise different things:
The last two are off by default; turn them on under Remind me when one is late on the Savings tab. The red dot on the Savings tab counts overdue debts only, never open ones — so it clears when you deal with it.
Four numbers that say whether this month is going well.
At the top of Trends: your average per day, where the month is projected to land if you keep going at this rate, your savings rate, and how this month compares to last.
On a month that has already finished, the projection is replaced by the actual month total.
Every month side by side, so you can see the direction.
A bar for each month you have used the app, split into what you spent and what you kept.
Tap any bar to jump straight to that month on Home.
Twelve months at once: what came in, what went out, what stayed.
The whole year in one screen. All twelve months as bars, with the priciest month marked in red, plus your monthly average, the share you saved, and where the money went across the entire year.
Tap a month to open it.
English or Albanian. Switches instantly, everywhere.
Settings → Language. The whole app changes: every screen, every button, and the month names in dates.
The choice syncs with the rest of your settings, so a new phone comes up in your language.
Your own records are never translated — category names, bill names, the names on debts and your notes stay exactly as you typed them.
Switch currency and every amount is converted at today's rate.
Tap the currency chip on the Home card, or open it from Settings. Pick a currency and the app converts everything — every month, every bill, every installment, every goal and the whole ledger.
This rewrites your stored amounts, so it is a real conversion and not just a different symbol.
Four looks, each in light or dark, or following your phone.
The palette button in the header. Pick a colour family — Aurora, Emerald Mint, Sunset or Classic — then light, dark, or auto.
Auto follows your phone's own setting, so the app goes dark when your phone does.
Add it to your Home Screen and it behaves like a native app.
On iPhone open the site in Safari, tap Share, then Add to Home Screen. On Android open it in Chrome, tap the menu, then Install app.
Installed, it opens full-screen with no browser bars, launches from your home screen, and works with no connection.
Settings has the full step-by-step for both.
Set up a Shortcut once and every Apple Pay tap logs itself.
For iPhone, and optional. Settings gives you a private link and a key, plus a step-by-step for building an Apple Shortcut that posts each transaction into your budget.
Once it runs, a payment appears in your list within about 30 seconds, or the next time you open the app, already categorised by merchant name.
There is a Send test button so you can confirm the link works before you go hunting through the Shortcut. Your key is private — you can regenerate it at any time, which disables the old one.
Download everything as a file, or export your expenses as a spreadsheet.
Settings → Back up & restore.
Restoring loads a backup onto this device and overwrites the months it contains. It asks you to confirm and tells you how many months it is about to write.
Receipt photos are not part of the backup — see Receipt photos.
Encrypted at rest, never sold, and deletable in one tap.
Your budget lives on your device. If you sign in, an encrypted copy syncs to the cloud — the database only ever holds unreadable ciphertext, never your amounts in the clear.
There are no ads and no trackers. Nothing is sold or shared.
Settings → Privacy & your data has a single button that erases everything: the copy in the cloud and everything on this device. It cannot be undone.
Something missing or annoying? Say so from inside the app.
At the bottom of the Trends tab there is Share a suggestion. Write what would make the app better and send it — leaving your email or name is optional.
Every one is read.