How budgeting works
You add your accounts — anywhere your money sits — to see your whole financial picture in one place. Your budget is then a list of transactions: every balance and chart that the app shows is computed from it. Keep the list accurate and everything downstream takes care of itself.
Accounts
Anywhere value sits: checking, cash, savings, credit cards, loans, crypto. You never type a balance — it’s the sum of the account’s transactions. Debts are negative balances, so your accounts together add up to your net worth.
Transactions
Every time money moves, it’s one of three kinds:
- Expense — money out.
- Income — money in.
- Transfer — money between your own accounts (to savings, paying a credit card). Not spending.
A credit-card purchase is an expense; paying that card later is a transfer, not new spending — the one thing worth getting right.
Categories
Where your money goes, grouped by how much control you have over it (fixed costs, day-to-day, irregular). Sensible defaults from the start; change them freely.
Importing
Enter transactions by hand, or give Capy a bank CSV, a statement screenshot, or a photo of a receipt — it enters and categorizes them for you. Import your history and you start with months of data instead of a blank slate.
Analytics
Each view answers one question:
- Spending — where did it go?
- Cash Flow — is my lifestyle sustainable?
- Net Worth — am I saving?
- Compare — how do categories trend against each other?
- Monthly Budget — am I on track this month? A forward-looking view built from your past spending, so it gets useful once you have a couple of months of history.
Capy
Capy is the optional AI layer. Ask it to import and categorize transactions, find recurring charges like subscriptions, or anything else you’d do in the app yourself. The app works fully without it.
Ready to start?
Want to poke around before committing to anything? Try the live demo — it runs in your browser with sample data.