Moneyger - Simple Budget Tracker
Moneyger is a simple household budget tracker. You write down what comes in and what goes out, and it adds everything up for you: total income, total expenses and the balance for the period you pick. Spending is split into six plain categories, so a single glance at the pie chart shows whether food, housing or entertainment is taking the biggest slice.
The second half of the idea is budgeting. Give any expense category a spending limit and Moneyger draws a progress bar under it. The bar fills as you record expenses and turns red when you go over, so you notice an overspent category before the month is gone rather than after.
It is meant for people who want the habit of tracking without the weight of a full accounting program: no bank connections, no sign-up, no tags or sub-accounts to maintain. Everything you enter is kept in this browser on your own device.
The app runs entirely in your browser. What you enter is saved only on this device.
How to use Moneyger
- Add your first entry. Tap the + button. Pick a date (today by default), choose a category, type the amount as a whole number and add a short note if you like, then tap Save.
- Record income. In the same dialog, switch on "Registered as income". The category list changes to Salary, Side business and Others, and the entry is shown with a plus sign in the history.
- Set a category budget. While adding an expense, tap the line that ends in "Set budget" below the note field. Choose the category, enter the budget amount and tap Setting. You can change it later the same way.
- Choose a period. On the Overview tab, use the drop-down at the top left to switch between this month, last month, 3 months, 6 months and 1 year. Totals, the pie chart and the budget bars all follow the period.
- Read the overview. The top right shows the balance, income and expenses. Below it, the pie chart shows each expense category's share in percent, and every category with a budget gets a bar with spent / budget.
- Review or delete entries. Open the History tab to see all entries for the period, newest first. Swipe an entry to the left and tap Delete to remove a mistake.
- Switch to dark mode. Tap the moon icon in the top bar. The choice is remembered the next time you open the app.
Features
- Income and expense entries with date, category, amount and note
- Six expense categories: food, transport, housing, utilities, entertainment and others
- Three income categories: salary, side business and others
- Spending budget per expense category with progress bars that turn red when exceeded
- Pie chart of expenses by category with percentages
- Balance, total income and total expenses for the chosen period
- Period filter: this month, last month, 3 months, 6 months or 1 year
- History list with swipe-to-delete
- Dark mode and a user interface in many languages
Simple habits that make budget tracking work
Start by watching, not cutting
Most budgets fail because they are built on guesses. Before setting any limit, record every expense for two to four weeks without trying to change anything. The goal is an honest picture: how much really goes to groceries, eating out, transport and small purchases that never feel important on their own.
Write entries the same day. A quick note such as "lunch with team" or "bus pass" is enough, and it saves you from staring at a receipt days later trying to remember what it was.
Separate fixed costs from flexible ones
Rent, utilities, phone and insurance tend to be fixed: they change rarely and are hard to adjust quickly. Food, entertainment and shopping are flexible, and that is where a budget makes the most difference week to week. When you set limits, start with one or two flexible categories rather than every category at once.
A common rule of thumb is to split after-tax income into needs, wants and savings, for example 50, 30 and 20 percent. Treat this as a starting point, not a rule. Housing costs vary hugely by city, and a split that suits one household can be impossible for another.
Set budgets you can actually keep
Base each budget on what you spent during the tracking period and trim it slightly, perhaps by ten percent. A target that is far below your real spending is broken in the first week and quietly abandoned. A modest cut that you meet builds the habit, and you can lower it again next month.
Check the bars once or twice a week. If a category is already half used by the middle of the month, that is the moment to adjust, not the last day.
Look at longer periods too
Some costs arrive irregularly: annual subscriptions, gifts, car repairs, travel. A single month can look terrible or surprisingly good because of one of these. Switching the view to three or six months smooths out the bumps and shows the real trend in each category.
Comparing income with expenses over a longer period also tells you whether you are saving at all. If the balance is close to zero or negative most months, look first at the largest slices of the pie chart; small savings in a big category usually matter more than giving up a minor treat.
Keep it light
The best system is the one you keep using. Six categories are deliberately few. If an expense does not fit, put it in Others and add a note. Accuracy to the last coin matters less than recording consistently, and a short weekly review is enough to steer your spending.
Frequently asked questions
Where is my data stored?
Only in this browser on your device, in its local database. There is no account and nothing is sent to a server. Clearing your browser's site data deletes your entries and budgets, and the data does not sync to other devices or browsers.
Does Moneyger connect to my bank?
No. You enter every income and expense yourself. That keeps it private and simple, but it also means the totals are only as complete as what you record.
Which currency does it use?
None in particular. Amounts are plain whole numbers with thousands separators, so you can use whatever currency you live in. Decimal points are not accepted, so round to the nearest unit.
How do budgets work with longer periods?
Each category has one budget amount. The progress bar compares it with the spending in the period you selected, so the bars are most meaningful with This month. With longer periods, treat them as a rough comparison.
Can I edit an entry?
Entries can be deleted by swiping left in the History tab. To correct one, delete it and add it again with the right details.
How is this different from the phone app?
The tracking, budgets, chart and history work the same way. The iPhone and Android app is installed on your phone and offers an optional upgrade that removes ads; the web version has no in-app purchases or review prompts.
Limitations of the web version
- Data stays in this browser and does not sync between devices
- No bank import, export or backup on the web
- Amounts must be whole numbers
- Entries cannot be edited, only deleted and re-added
- Fixed category lists; custom categories are not available
Disclaimer
Moneyger is a personal record-keeping tool, not financial, tax or investment advice. Totals are calculated only from the amounts you enter; for decisions about debt, savings or investments, consult a qualified professional.
Phone app
Moneyger is also available as an app for phones and tablets: