Simple monthly budgeting

Know what’s left.
Make room to save.

Your spending, upcoming bills and savings plan, together in one clear monthly view.

Explore the app

In closed testing on Google Play. iPhone to follow.

BudgetCat in the Paper theme shows $780 left in a monthly plan after spending, upcoming bills and planned savings.

Inside the app

A clearer view. A next step.

Understand your spending.

Compare the same dates each month, or see where your money goes by category.

Analysis compares $1,900 of spending, rent included, with $1,965 through the same dates last month.

Give saving a plan.

Try a monthly contribution and see when you could reach your goal.

An emergency fund with $2,000 saved toward $3,000. A $250 monthly plan reaches the goal a month sooner than $200.

Real app screens with example data.

What it does

The questions it answers.

All of this is free, with no ads, no bank connection and no account to make.

What’s left this month?

  • The dashboard takes spending, bills still to come and what you plan to save out of your income, and shows the rest.
  • Set a budget for each category and see what you usually spend there.
  • Turn on income in Analysis to see pay and spending on one chart.

What’s coming up?

  • Bills and subscriptions each keep their own schedule: weekly, monthly on one or several days, yearly or every few months.
  • Next up lists what’s due in the coming days. Mark a bill paid in one tap.
  • Paydays every week, every two weeks, twice a month or monthly.

Where did the money go?

  • Log spending, income and savings in a few taps, with a receipt photo if you like.
  • Import a CSV file from your bank instead of typing.
  • Search every entry. A refund lowers that month’s spending.

Am I on track to save?

  • Goals with a target and a date, linked to a savings account if you have one.
  • Try a monthly amount and see when you would finish.
  • Your savings plan shows each goal’s pace in one list.

When will this debt be paid off?

  • Each card or loan shows its payoff date and the interest left at today’s payment.
  • See how much of this month’s payments goes to interest.
  • Try another payment and see the time and interest it saves.

Can it look my way?

  • Four themes, each in light and dark. Try them on the phone at the top.
  • Colour vision settings for red-green and blue-yellow, and charts that pair colour with patterns.
  • Follows your phone’s text size and reduce motion settings.

Pro

Look back. Plan ahead.

Pro is a one-time $9.99 purchase, and you can try it free for 14 days. It adds the eight screens below, plus reminders and an app lock. Everything above stays free.

Monthly recap

Last month in one place: what was left, how it compares with the month before, a day-by-day calendar of spending, where the money went and the biggest one-off costs.

Free: Analysis for any month, compared with the same dates the month before.

Monthly recap for August 2026: $569.57 left, $136.82 less spent than July, a table comparing income, spending, savings and what was left with July, and a day-by-day spending calendar.

Year in review

Income, spending and savings for every month of the year on one chart, by month or by quarter. It names your biggest month and your best month for saving, shows how your spending mix changed, and estimates what will be left by December 31.

Free: any single month in Analysis.

Year in review for 2026 through September: $6,697.64 left so far, tax still owed, about $10,023 left by December 31 at this pace, and a bar chart of income, spending and savings for each month.

Cash flow forecast

Your everyday balance over the next 14, 30 or 60 days, from your paydays and scheduled bills: the lowest point, what is safe to spend until payday, and each day that moves the balance.

Free: Look ahead shows your next paycheque and next big bill.

Cash flow forecast for the next 30 days: a $3,405.58 balance on October 6, $1,384.56 safe to spend until the September 15 payday, and a line of the balance with its low point.

Debt payoff plan

One monthly amount for all your debts. Pay the highest rate first or the smallest balance first, and see the order they are paid off, your debt-free date and the interest you save against today’s payments.

Free: each debt’s payoff date and interest, and a slider to try another payment.

Payoff plan: $450 a month across a credit card and a car loan, highest rate first. Debt-free by February 2029, 10 months sooner and $411.99 less interest than today’s payments.

Goal split

Enter what you can save each month and it is shared across your goals: goals with a date get what finishes them on time, earliest first, and the rest goes where it is still needed. Apply the split in one tap.

Free: goals, a monthly plan for each and its finish date.

A suggested split of $750 a month: $250 to a new bike and $334 to a Japan trip, both on time, and $166 to an emergency fund, 12 months late. $204 more a month keeps every goal on time.

Net worth over time

Savings, investments and debts are recorded each month, so you can see one line of where you stand and how far it has moved since last month and since you started.

Free: today’s net worth, with assets and debts side by side.

Accounts: a net worth of $7,990.55 from $19,690.55 in assets and $11,700 in debts, with a line rising from January to September.

Reserves

How many months of essentials your savings cover, against a one, three or six-month target, and a monthly amount for uneven bills like insurance or car registration.

Free: Look ahead shows your essentials each month and the next uneven bill.

Reserves: savings cover 2.9 months of essentials against a three-month target, and uneven bills such as dental cleaning, car registration and renters insurance each have a monthly amount.

Subscriptions

Every subscription in one list with its next renewal, by date or by cost, the total a month and a year, and a note when a price goes up.

Free: Look ahead names your two largest.

Subscriptions: $82.97 a month across four, each with its renewal date. Streaming video is up $2.00 since June.

  • Reminders

    A notification on the day a bill is due or up to two days before, and on payday. It names the bill and never shows an amount, since it can appear on your lock screen.

  • App lock

    Open BudgetCat with Face ID, a fingerprint or your phone’s passcode.

Real app screens with example data.

Backup Plus

Your budget, saved as you go.

$0.99 a month or $7.99 a year, separate from Pro. You sign in with a BudgetCat account.

  • Every change you make is saved to your BudgetCat account a moment later.
  • If you lose your phone or get a new one, sign in and your latest budget downloads.
  • It also syncs between your phones: each one downloads the other’s changes when you open BudgetCat, and changes made on both before they sync are combined.
  • To share a budget, sign in to the same BudgetCat account on each phone. One subscription covers every phone signed in to it.
  • Saving needs a connection. Changes made offline are saved the next time you open BudgetCat online. If you both edit the same thing before your phones sync, the phone that syncs last keeps its version. Your account keeps the latest budget, not older versions.
Ways to keep a copy
Backup file Backup Plus
Keeps A ZIP file, wherever you keep it Your latest budget in your account, on every phone signed in to it
Saves When you tap Save After every change
Cost Free $0.99/mo

Without either, your budget lives on your phone and works offline. A backup file includes your receipt photos and restores from Data.

Pricing

Start free. Pay once for Pro.

Free

$0

No time limit and no ads.

  • Budget, bills and paydays
  • Analysis for any month
  • Savings goals and debt payoff dates
  • Themes and colour vision settings
  • Backup files and restore

Pro

$9.99 one-time

Everything in Free. Try it free for 14 days.

  • Monthly recap and Year in review
  • Cash flow, reserves and subscriptions
  • Debt payoff plan and goal split
  • Net worth over time
  • Reminders and app lock

Backup Plus

$0.99 a month

Or $7.99 a year. Works with Free or Pro.

  • Saves each change to your account
  • Downloads your budget on a new phone
  • Syncs between your phones

Prices in USD. Your app store shows the local price before you buy.

A few practical details.

Can I get BudgetCat now?

BudgetCat is in closed testing on Google Play, so it isn’t listed for everyone yet. The public Android release comes after the test. iPhone follows.

How do I add my spending?

Enter it in a few taps, or import a CSV file. There’s no bank connection to set up.

Where is my budget stored?

On your phone, so you can budget offline without an account. Save a backup file from Data and restore it on a new phone, or let Backup Plus keep a copy in your account.

What happens if I stop Backup Plus?

Your budget stays on your phone and keeps working. New changes stop saving to your account.

Can I delete my account?

Yes, from Data in the app or on the delete account page. It removes your BudgetCat account and the budget saved to it. It doesn’t cancel a Backup Plus subscription; do that in Google Play.