This app covers complete money management for a single person or an entire family, from income planning to daily spending control to long-term wealth tracking and planned debt repayment. The process runs in three structured phases each month:
- Start of the month:
Enter income and fixed expenses to clearly define what is committed and what remains available to spend. - During the month:
Log variable expenses in a calendar view to track spending patterns by day and by category. - End of the month:
Record a net worth snapshot across four buckets: Liquid Assets, Investments, Physical Assets, and Debts.
What the app helps you do
Track as you spend, not after
Log expenses as they happen, so your spending awareness is immediate and still useful for decision-making.
Smart fixed expenses
Set up fixed expenses once—they automatically appear on due dates with advance visual warning.
Visual spending patterns
Monthly calendar with categories on top, days/months on the side. Helps you to see all your spending patterns at a glance.
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.
Expense Calendar
Enter expenses in the calendar view to see your spending patterns. Add multiple entries in each cell. It looks like a spreadsheet, but it runs in the app.
Budget Dashboard
Set your budget goals and track actual spending. Fixed expenses show as spent from day one so you know how much money you have left to spend.
Fixed Payments
Add fixed payments once and they carry forward every month. Rent, subscriptions, and loan payments are prefilled automatically.
Income
Track all income in one place. Salary, freelance, investments, and side income are all included in your monthly plan.
Net Worth
Asset and debt rows are prefilled from last month. Just update amounts, and your monthly net worth change is calculated automatically.
Financial Reports
Simple charts for better decisions across income, spending, and net worth. This example shows income vs. spent and month-over-month expenses.
Expense Categories
30 customizable categories with emojis. Reorder, rename, archive, or reactivate them, and keep up to 14 active for the best experience.
Why It Works
Simplify Budget is not just a tracker. It helps you build three habits that improve your finances over time:
Real-time awareness: Track variable spending after fixed costs are covered, so you know what you can afford in the moment.
Long-term perspective: Monthly net worth updates show whether your overall financial position is improving.
These habits help you move from reactive money management to consistent progress, whether you check in daily or weekly.
Who Simplify Budget is for
Simplify Budget is built for people who want to be in control of their money without it feeling like a second job.
It’s for you if you want:
- Smart Automation, not a passive tracker: Bank-sync apps often hide your spending behind "automatic" categories that you forget to check. Simplify Budget automates your fixed bills so you have a clean slate, but keeps you in the driver’s seat for the daily spending that actually influences your habits.
- To see the "When," not just the "How Much": A calendar view beats a long list of transactions, so you can see your spending patterns at a glance.
- The Big Picture: Track investments, assets, and debts over time to see your total value grow.
- Budgeting as a team: An app that works across devices so you and a partner can manage the same Google Sheet together in real-time.
- No complexity: A straightforward tool that works perfectly on your phone’s browser without needing a "reconciliation guide" or a 2,000-word instruction manual.