A great way to manage personal finances is by tracking monthly income and expenses and setting monthly goals for them.
You can achieve your money goals if you know how much your fixed expenses are at the start of the month. This gives you mental clarity on how much money you have to spend.
Then you just track your expenses as they happen ideally in a calendar view. This will reveal your spending patterns and prevent overspending.
Each month track your net worth by recording your investments, liquid assets, debts and physical assets. This gives you the complete picture of your financial progress over time.
Simplify Budget handles:
- ✓Fixed expenses copy automatically to the next month
- ✓All calculations for budget and analytics are done automatically
- ✓Net worth data copies automatically to the next month
- ✓Spending goals copy automatically to the next month since they rarely change and can be adjusted each month
Simplify Budget approach to money management
Track as you spend, not after
Enter expenses when they happen to create real-time awareness. The awareness happens when it can actually influence decisions.
Smart fixed expenses
Set up fixed expenses once—they automatically appear on due dates with advance visual warning.
Visual spending patterns
Monthly and yearly calendar views with categories on top, days/months on the side. See all your spending patterns at a glance in one Monthly Expense Calendar.
Set spending goals and track progress
Set spending goals and easily track if you're sticking to them. See exactly where your money goes each month.
Net worth and income tracking
Track your complete financial picture over time—assets, debts, and income trends. Previous month's data copies over automatically.
Learn from your money habits
Get insights on your past spending and money habits so you can learn from them and stop being stressed about money. Know if you're getting financially secure or just burning cash.
See How It Actually Works
Get a detailed walkthrough of the Monthly Expense Calendar system, smart fixed expense handling, and family collaboration features.
Why It Works: Focus on What Actually Matters
Most budget apps fail because they're either too simple (just expense tracking) or too complex (trying to be everything to everyone). Simplify Budget works because it focuses on the 3 things that actually build wealth.
Track your spending in real-time so you make better decisions in the moment. Set clear budgets so you know exactly how much you can spend. Monitor your net worth so you see your progress over time.
These three habits - when done consistently - are what separate people who build wealth from people who don't. Everything else is just noise.
Whether you check in daily or monthly, these core actions compound into serious financial progress.
Who Simplify Budget is for
Great for
- People tired of monthly subscription fees
- Families who want to budget together
- People who like simple, straightforward apps
Not for you if you want
- Fully automated expense importing
- Complex investment tracking
- Detailed loan calculators
Simple beats complex
Sometimes complex apps with many features and automations create more work than the approach our app uses. You think you spend less time because of automations and have more control because of all the features.
But you actually spend more time on these apps than with Simplify Budget app and the end result is the same. You don't have to get too granular to actually save money and build wealth.
Take YNAB for example - it has a 2,000-word guide just for weekly reconciliation. Plus with YNAB you need to pay to use it every month.
With Simplify Budget you'll spend less time in the app and the app comes with one-time permanent payment.
How to Get Started
Get the app and start tracking your expenses today. You can use the full features for 30 days free and only pay for permanent license if you're happy with the app.
Get the full app now