Frequently Asked Questions
All the things you wanted to know about BUDGT and cost-concious living.
What is BUDGT?
BUDGT is a simple iOS budgeting app that calculates how much you can spend each day while staying within your monthly budget. Instead of complex categories and spreadsheets, BUDGT answers one question: How much can I spend today?
How does BUDGT work?
You set your monthly income and recurring expenses (rent, subscriptions, bills). BUDGT calculates what's left and divides it across the remaining days of the month. As you log daily expenses, your daily budget adjusts automatically. Stay within the daily number, and you're guaranteed to have money left at month's end.
What is the daily budget method?
The daily budget method is a simple approach to budgeting where your available spending money is divided into a daily allowance. Instead of tracking dozens of categories, you focus on one number that tells you if you're on track. It's particularly effective for people who find traditional budgeting overwhelming.
What makes BUDGT different from other budget apps?
BUDGT focuses on simplicity. While other apps require you to categorize every transaction and manage complex envelope systems, BUDGT gives you one clear number: your daily spending limit. No bank syncing, no complicated setup. Just enter your income, expenses, and start tracking.
How much does BUDGT cost?
BUDGT is free to download and gives you a few days to test the full functionality. After the trial period, a subscription is required to continue using the app. We believe in letting you experience exactly how BUDGT can help you save money before committing.
Can I use BUDGT while traveling?
Yes! BUDGT includes a Travel Mode that handles currency conversions automatically. You can track expenses in any currency while traveling, and BUDGT will convert them back to your home currency so your budget stays accurate.
How can BUDGT help me live more frugally?
BUDGT makes frugal living practical by giving you a clear daily spending limit. Instead of vague goals like "spend less," you get a concrete number to work with each day. When you see exactly how much you can spend, making cost-conscious choices becomes second nature. Many users find they naturally cut unnecessary expenses once they have this daily awareness.
How do I start saving money with BUDGT?
Getting started is simple: enter your monthly income, list your fixed expenses like rent and bills, and BUDGT calculates your daily budget automatically. The key to saving is staying at or below your daily limit. Any money you don't spend rolls over, building your savings naturally. No complicated spreadsheets or budget categories required.
Is BUDGT good for budgeting beginners?
BUDGT was designed with simplicity in mind, making it perfect for anyone new to budgeting. There's no learning curve, no financial jargon, and no complex setup. You don't need to understand accounting or spend hours categorizing transactions. Just one number tells you if you're on track—that's it.
Why do I keep overspending each month?
Most people overspend because they don't have real-time visibility into their available money. Traditional budgeting only shows you the damage after it's done. BUDGT solves this by showing your remaining daily budget before each purchase. This simple shift from reactive to proactive budgeting helps you make better spending decisions in the moment.
Do I need to connect my bank account?
No. BUDGT works entirely offline and never requires access to your bank accounts. You manually log expenses, which takes just seconds and actually helps build awareness of your spending habits. This approach keeps your financial data completely private while making you more mindful about each purchase.
How long does it take to set up BUDGT?
Most users are up and running in under two minutes. Enter your monthly income, add your recurring expenses, and you're done. BUDGT handles all the calculations automatically. There's no lengthy onboarding, no tutorials to watch, and no accounts to create. Simple by design.
How can I cut my daily expenses?
The first step to cutting expenses is knowing exactly what you spend. BUDGT shows you a clear daily limit based on your real financial situation. When you see that morning coffee takes 15% of your daily budget, the choice becomes obvious. Users often discover small daily habits that add up to hundreds per month—expenses they never noticed before.
What if I go over my daily budget?
No stress—BUDGT automatically adjusts. If you overspend one day, the extra amount is spread across your remaining days that month. Your new daily budget simply becomes a bit smaller. This forgiving approach means one splurge doesn't derail your entire month. You always know exactly where you stand.
How does BUDGT help with mindful spending?
BUDGT creates a natural pause before purchases. When you check your daily budget and see you have CHF 45 left, you instinctively ask: is this purchase worth it? This simple habit builds cost-consciousness without guilt or restriction. Over time, mindful spending becomes automatic, and saving becomes effortless.
I'm a single parent — is BUDGT right for me?
Absolutely. Single parents often juggle tight budgets with unpredictable expenses. BUDGT's daily budget approach gives you instant clarity on what you can spend today, so you can make confident decisions at the grocery store or when the kids need something. No time wasted on spreadsheets — just a quick glance tells you where you stand.
I'm a student on a tight budget — can BUDGT help?
BUDGT is perfect for students. When money is limited, knowing exactly how much you can spend each day prevents those end-of-month panics. Many students use BUDGT to stretch their allowance or part-time income further. The simple interface means you spend seconds budgeting, not hours.
I'm a freelancer with irregular income - will BUDGT work for me?
Yes! Freelancers love BUDGT because you can update your income anytime. When a payment comes in, adjust your monthly income and your daily budget recalculates instantly. This flexibility helps you manage feast-or-famine income cycles without complex planning.
I want to pay off debt - can BUDGT help?
Definitely. Add your debt payments as recurring expenses, and BUDGT ensures you always have money set aside for them. Your daily budget shows what's truly available after obligations. Many users accelerate debt payoff by seeing exactly how much extra they can put toward debt each day.
I've tried other budgeting apps and gave up - is BUDGT different?
Most budgeting apps fail because they demand too much time and effort. BUDGT takes the opposite approach: no categories to maintain, no bank connections to troubleshoot, no transactions to review. Just one number that updates as you spend. If complex apps overwhelmed you, BUDGT's simplicity might be exactly what you need.
I'm saving for a big goal - how can BUDGT help?
Whether you're saving for a house, a vacation, or an emergency fund, BUDGT helps you see exactly how much you can set aside. Add your savings target as a recurring expense, and your daily budget reflects only what's truly available to spend. Every day you stay under budget, you're one step closer to your goal.
I hate spreadsheets - is BUDGT complicated?
Not at all. BUDGT was built for people who hate spreadsheets. There are no formulas, no columns, no pivot tables. You see one number: your daily budget. Tap to log an expense, and the number updates. That's the entire system. If you can use a calculator, you can use BUDGT.
I just started my first job - should I use BUDGT?
Starting your first job is the perfect time to build good money habits. BUDGT helps you understand your real spending power from day one. Before lifestyle inflation kicks in, you'll know exactly what you can afford. Many young professionals use BUDGT to save aggressively while still enjoying life.
I'm retired on a fixed income - will BUDGT help me?
BUDGT is ideal for fixed incomes. When you know exactly what comes in each month, BUDGT shows you exactly what you can spend each day without dipping into savings. Many retirees appreciate the peace of mind of knowing their money will last the month.
Can BUDGT automatically save money for me?
Yes! BUDGT's Savings Mode lets you set aside a fixed percentage of your income every month before your daily budget is calculated. Whether it's 10%, 20%, or more, this amount is automatically reserved. Your daily budget only shows what's left after savings, so you save effortlessly without having to think about it.
What happens to money I don't spend at the end of the month?
With Month Overflow enabled, any money left at the end of the month automatically carries over to the next month. Had a frugal February? That extra budget boosts your March daily allowance. It's a rewarding way to see your good habits compound over time, and it makes saving feel tangible.
Can I budget more for weekends than weekdays?
Absolutely. BUDGT's Day Weights feature lets you assign different spending weights to each day of the week. Want Saturdays to have a bigger budget for dining out? Set a higher weight. Prefer minimal spending on Mondays? Lower that weight. BUDGT redistributes your monthly budget according to your real-life rhythm.
Can I export my spending data from BUDGT?
Yes. BUDGT lets you export all your spending data to CSV anytime. Your data is yours. Whether you want to create custom charts in Excel, do deeper analysis, or just keep a backup, you have full control. No lock-in, no proprietary formats—just clean data you can use however you like.
Can BUDGT predict how much I'll have at month's end?
Yes! BUDGT's Projection feature gives you a sneak peek at your month-end balance based on your current spending patterns. If you've been under budget, you'll see the surplus building up. If you've been overspending, you'll know early enough to adjust. It's like a financial forecast that keeps you on track.