Feature
A budget planner that tells you what is left
Chillar's budgets cover a week, a month or a year and can be scoped to any set of categories and accounts. Each budget shows the amount spent inside its own period, what remains, and an over-budget state, all computed from your own transactions.
Budget the categories that vary
A budget can cover one category, several, or everything. Scope it to a set of accounts as well when you want to budget only what leaves your current account and ignore the card you settle in full each month.
Three periods, each with real bounds
Weekly budgets run Monday to Sunday, monthly budgets follow your own start-day-of-month, and yearly budgets run the calendar year. Spend is summed inside the budget's own bounds, so a monthly budget on a salary cycle starting the 15th measures the 15th to the 14th.
50/30/20 without a spreadsheet
Three budgets (needs, wants and savings) reproduce the 50/30/20 rule, and the guide covers picking the category split. Chillar's computes budgets from your real transactions, so the numbers move as the month goes on.
Frequently asked questions
- Does a budget include planned payments that have not happened yet?
- No. Budget spend counts settled transactions only. A planned payment counts the moment you settle it, which is when the money leaves the account.
- Can I budget in a currency other than my base currency?
- Budget amounts are in your base currency. Transactions in other currencies are converted with your exchange rates, including any per-pair overrides you have set, before they are counted.
Related reading
- A free expense tracker that does the arithmetic exactlyLog expenses by category and account, with exact decimal amountsRead
- A money manager for accounts, transfers and net worthAccounts, transfers, net worth and a savings buffer in one placeRead
- How to track expenses (and still be doing it in three months)A five-step method for tracking expenses that survives the second week: pick a capture habit, categorise coarsely, reconcile weekly, review monthly.Read
- How to make a monthly budget from your own numbersBuild a monthly budget from three months of your own spending instead of a template: find your baseline, set limits that bind, and review it once a month.Read
Start tracking in about two minutes
Free to use, and everything you enter is exportable. No card and no trial.