How household budgeting works
Connect your accounts, track bills, and build a budget in 15 minutes.
Consolidate Your Personal Accounts
Connect your bank and credit card accounts or add them manually for a complete view of all your finances. BudgetBadger can sync and import transactions automatically. Learn more about our security.
Accounts
| Account | Type | Balance | History |
|---|---|---|---|
 WF Checking | Checking | $4,980 | Jan 20 – Dec 15 |
 Sapphire | Credit Card | $2,340 | Jan 25 – Dec 16 |
 Double Cash | Credit Card | $1,890 | Feb 9 – Dec 20 |
Personalize Your Categories
Customize your reports by adding your own categories (e.g. Pet Care) to organize and track your financial data how it best suits your needs.
Review Transaction Details
Let auto-categorization do the work, or recategorize as desired. Expense tracking stays accurate as the system learns your preferences. Bulk assign categories, split transactions, and create rules to keep your data clean.
Transactions
| Date | Merchant | Category | Amount | |
|---|---|---|---|---|
| Oct 10 | Shell Gas | 🚗 Auto | $48 | |
| Oct 9 | Netflix | 🎬 Entertainment | $16 | |
| Oct 6 | Paycheck | 💰 Income | +$500 |
Budget
| Category | 3-Mo Avg3-Month Average | Budget |
|---|---|---|
🏠Rent/Mortgage | $2,400 | $2,400 |
🥗Groceries | $215 | $200 |
🍽️Dining & Drinks | $115 | $100 |
| Total Expenses | $2,730 | $2,700 |
Set Your Budget
Review your historical income and expenses, choose a method (single budget or one for each calendar month), then adjust the generated amounts based on your goals.
Monitor Spending
See how much of your monthly budget you've used. Just a quick glance every few days to give comfort when you're on track or a heads up when you're overspending.
Monthly Spend Tracker
20%
Remaining
- Total Expenses$6,800
- Remaining+$1,700
- Budget$8,500
Profit & Loss
| Category | April | Budget | Status |
|---|---|---|---|
| Total Income | $3,150 | $3,350 | |
🏠Rent/Mortgage | $2,400 | $2,400 | |
💡Utilities | $170 | $110 | |
✂️Personal Care | $80 | $180 | |
| Total Expenses | $2,650 | $2,690 | |
| Savings | $500 | $660 | |
| Savings Rate | 16% | 20% |
Evaluate Your Performance
Review your monthly, annual, or YTD performance against multiple benchmarks. Dig into the P&L report values to view transaction details and uncover unexpected spending patterns.
Monitor Recurring Bills
Plan your cash flow by viewing your recurring monthly bill tracker and find subscriptions to trim that you no longer use.
Monthly Bill Tracker
| Date | Merchant | Category | Amount |
|---|---|---|---|
| Oct 19 | PG&E | 💡 Utilities | $145 |
| Oct 11 | Spotify | 🎵 Music | $15 |
| Oct 4 | Netflix | 🎬 Entertainment | $20 |
| Oct 1 | Property Mgmt Co | 🏠 Rent | $2,500 |
Net Worth
Savings Goal Tracker
Track Net Worth and Savings Goals
Follow your net worth to view your financial health and watch your wealth build. Set specific savings goals and monitor your pace compared to the target line.