One of the best ways to manage personal finances is by setting monthly spending goals against your income and tracking throughout the month.
If you list all your fixed expenses in the beginning of the month and set aside the money to cover them this will allow you to achieve your goals much easier.
For a complete financial management you also need to track your net worth on a monthly basis. Treat your life as a company and see if you're doing better over time financially or not.
You can achieve this by tracking your investments, liquid assets, physical assets and debts.
ALL of the above will assist you to live a debt-free and financially stable life and Simplify Budget makes it easy to do this:
- ✓You set your fixed expenses once and they calculate automatically for each month
- ✓You can easily see your spending patterns through logging your expenses into a calendar
- ✓Net worth charts show you if your net worth increases, debt decreases over time and what you need to watch out for to remain financially stable
- ✓Amounts like spending goals and net worth copy to the next month so it's easier to update them in the next 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 in Action
Expense Calendar
Monthly expense calendar. Enter expenses directly on the calendar and see your spending patterns instantly.
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 Expenses Tab
Set your fixed expenses once and they automatically appear at the beginning of every month. Rent, subscriptions, car payments - never manually enter them again.
Income Tracker
Track every dollar coming in. Salary, freelance work, investments, side hustles - see your complete income picture.
Net Worth Tracking
Track assets, investments, and debts over time. Watch your wealth grow month by month.
Financial Reports
See your complete financial picture. Income trends, spending patterns, and savings rate in beautiful charts.
Custom Categories
30 customizable categories with emojis. Reorder, rename, and track exactly what matters to you.
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
Simplify Budget works because it focuses on the 3 areas that actually build wealth:
- Focus on tracking variable spending after fixed expenses so you make better decisions in the moment.
- Set clear budget and saving goal for the spending categories so you have a better spending discipline
- Monitor your net worth so you see how your financial life is evolving through time.
These three habits separate people who build wealth from people who don't.
Whether you check in daily or monthly, these core actions compound into serious financial stability you deserve in your life.
Who Simplify Budget is for
Great for
- People tired of monthly subscription fees: Simplify Budget is free forever and you'll get lifetime updates.
- Families who want to budget together: Your data is saved on a spreadsheet you have full access to on your Google Drive. You can share the sheet with other people and track together on the same sheet.
- People who like simple, straightforward apps: The app login is via Google in the browser. You don't need to download any software and it works on all browsers on any device instantly.
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 is 100% free to use—tip only if you find it valuable.
How to Get Started
Get the app and start tracking your expenses today. All features are free with no time limits. If the app helps you, you can optionally leave a tip to support ongoing development.
Get the full app now