Mobile Budget Tracker
Track your pay-cycle budget in one place
Add your income lines, subtract fixed monthly expenses, then tap a day to record spending. Your daily allowance rolls forward based on under-spend and over-spend.
How this mobile budget tracker works
This tool is designed for simple, fast personal budgeting on mobile. You define your payday day-of-month, add income lines, subtract fixed monthly expenses, and then record daily spending. The tool calculates a rolling daily allowance that increases when you spend under budget and decreases when you spend over budget.
The pay-cycle is treated as a fixed 31-day cycle starting on your payday day-of-month. This is deliberate. Even if you get paid early due to weekends or holidays, the tool encourages you to budget as if payday is always the same day.
Your data is stored locally in your browser on your device. Nothing is uploaded. If you clear site data, clear browser storage, or use private browsing, your saved data can be removed. This tool is intended for single-device use and quick daily entry, not cross-device syncing.
Assumptions and how to use this calculator
- All budgeting cycles are treated as 31 days for consistency and simplicity.
- Fixed expenses are monthly-only. Non-monthly bills should be handled as manual daily adjustments.
- Daily allowance rolls forward based on cumulative under-spend and over-spend.
- Amounts are rounded up to whole currency units to keep entry and tracking simple.
- Data is stored locally on your device. Clearing browser storage can remove saved data.
Common questions
Why does the cycle always use 31 days?
Using 31 days creates a stable rule and often adds a small buffer in shorter months. The goal is consistency, not perfect calendar alignment.
Can I use this across devices?
No. This tool stores data locally in your browser on your current device. There is no sync.
What happens if I clear my browser data?
If you clear site data or browser storage, your saved budget, fixed expenses, and daily entries can be deleted. Use normal browsing and avoid clearing storage if you want persistence.
Can I edit entries?
Yes. You can edit income lines, fixed expenses, and individual daily expense items.
Should I put annual or quarterly bills into fixed expenses?
No. Fixed expenses here are monthly-only by design. Handle non-monthly items by adding them manually as daily entries when they occur.
