How much do I really have to spend?
You might have $10,000 in your bank account, but if $9,000 is already committed to bills and other plans, only $1,000 is really available. Budgy makes that obvious, without guesswork or manual calculations.
Meet Budgy
Your budget? Budgy’s got it.
Budgy uses the Give every dollar a job Envelope budgeting divides your money into named envelopes for bills, everyday spending, and goals. Each envelope shows what is still available for that purpose. Read more about envelope budgeting . When income lands, he sets money aside for bills and goals and automatically funds envelopes based on your recent spending. Then he keeps tracking as you spend. That means you always know what’s safe to spend.
Budget
Next pay in 30 days
Savings
$1,497.38
Cash available after budget
Flexible2 envelopes
Milo’s birthday
$181.01
Groceries
$200.00
Spent
$1,255.43
Upcoming5 envelopes
Mortgage
$2,150.00
$2,150.00 upcoming
Power
$146.20
Why Budgy?
Your budget on autopilot.
Budgy handles the repetitive work of keeping a budget current. Pending purchases count straight away, recognised spending is sorted automatically, and upcoming costs are worked into the plan before your next income.
- Give every payday a job, without doing the busywork.
- Spot recurring bills and subscriptions early.
- Get ready for birthdays, holidays, and big plans before they sneak up on you.
- Track spending automatically as Budgy sorts the transactions he recognises.
Ask Budgy
Your money questions, answered.
Each answer comes from imported transactions, envelope balances, upcoming activity and goals, not a spreadsheet you have to maintain.
What needs my attention?
See overspending and shortfalls against upcoming costs, including how much an envelope needs and when it is due.
Where’s my money going?
Budgy aims to assign every bank transaction to the right envelope automatically. When he needs help, corrections are quick and easy.
What’s sneaking up on me?
See expected transactions, set-asides, and dated goals in one agenda. Unpaid items stay visible and are marked overdue.
How is my spending changing?
Compare spending by envelope across recent pay cycles and preview which envelopes are likely to need money in future cycles.
How close am I to my goal?
Set a target amount and optional date, then let Budgy help you save towards it automatically.
Let’s make money feel lighter.
We’re building Budgy for New Zealand with connected bank transactions, envelope budgeting, an Upcoming agenda, goals, and pay-cycle trends. Join the flock and we’ll let you know when it’s ready.
