Analysis
Where your money came from, and where it went.
See what came in, what went out and what's left, with every expense sorted into Essentials, Lifestyle, and Saving & investing.
We'll only email you about our launch. 14 days free, no card needed.
The end of the month
What came in, what went out, and the share of each category.
Three numbers anyone can read, compared with last month. Then every dollar grouped into Essentials, Lifestyle and Saving, each group open to the categories inside it.
Month against month
What got better, what needs work, and what you can afford.
The Compare tab puts up to 12 months side by side: money in, money out by group and category, and what was left, with a total and an average across the months shown.
How it works
The details
Compared with last month
Money in, money out and what's left each show how they moved against the month before.
So far, or the full month
Look only at what already happened, or include what's still scheduled until the month ends.
Income broken down too
See where your money came from, not just where it went: salary, freelance work, everything coming in.
Late items, your call
Include overdue bills in the numbers, or leave them out.
Transfers stay out
Moving money between your own accounts never counts as income or spending.
Nothing hidden
A transaction that still needs a category is counted in the totals and flagged, so the numbers are always complete.
Questions
Good to know
Is SetBucks a budgeting app?
Not in the envelope sense. SetBucks doesn't ask you to set spending limits for each category. It shows where your money actually went, what's still scheduled, and how the month is heading, so you can decide what to change.
What are Essentials, Lifestyle and Saving & investing?
Three groups that every spending category belongs to. Essentials covers home, bills, groceries and transport. Lifestyle covers dining, subscriptions and shopping. Saving & investing is the money you set aside.
Can I change the categories?
Yes. You start with categories made for a household in the United States, and you can rename them, add your own and pick their icons.
What's the difference between “So far” and “Full month”?
So far counts only what has already gone through your accounts. Full month adds what's still scheduled for the rest of the month.
Is there a more detailed view?
Yes. Behind the simple view there's an advanced one, laid out like an income statement: revenue, variable costs, contribution margin, fixed and variable expenses, investments and the net result, each line open to the categories behind it.
Know where it went. Decide where it goes.
When we open, you'll see your month's numbers in plain words, from the first week.
We'll only email you about our launch. 14 days free, no card needed.