How Much I Spend: Budget

Keep track of your money without the hassle. Note an expense in seconds, and at the end of the month see clearly where your money went. How Much I Spend is the English name for CâtCheltui — also written CatCheltui, or Cat Cheltui as two words. Whichever name you searched for, it is the same personal budget and expense tracker, made in Romania. YOUR WHOLE BUDGET IN ONE PLACE Use it as a quick spending log, a monthly budget planner or a money manager for all your personal finances — whether you are making your first budget, saving for a vacation or an emergency fund, paying off a loan, keeping subscriptions in check or running the family budget together. BUILT FOR EVERYDAY LIFE In pounds, euros, US dollars, lei, forints or Turkish lira, in English or one of seven other languages, with the categories you actually use: groceries, fuel, rent, utilities, subscriptions. GETTING STARTED Tap “Start — no account needed” and you go straight to your first expense: type the amount and pick a category with one tap. If you want an account, you can create one in the app, with Google or with an email and a password. YOUR DATA STAYS YOURS The app works without an internet connection too. The database on your phone is encrypted, and the online account is optional — without an account, your expenses, income and notes never leave your phone. The app still fetches a public configuration from our server each time it starts (that is how your phone’s IP address reaches us), sends technical data about app starts and errors and, after the welcome screen, a few anonymous counts with no amounts and no identifier (where it was installed from, whether you started with or without an account, whether and how soon you logged your first expense, whether you come back after a day or a week, plus the app version and language). You can turn the counts off in Settings → Anonymous counts. Details: howmuchispend.com/privacy WHAT YOU CAN DO • Expenses and income, by category and subcategory • Subscriptions, bills and other recurring expenses, with a reminder before each payment is due if you have an account • Monthly budgets per category: the bar turns yellow at 80%, and you get a notification when you go over • The 50/30/20 rule on your real income: how much goes to needs, to wants and to savings • A financial score that shows at a glance how healthy your money habits are • Reports and charts: by category, by month, comparisons (the current month and the two before) • Weekly recap: last week’s total, number of expenses, top categories and the change from the week before — a notification takes you there on Mondays • Debt payoff: debts, loans and installments, with what you have paid and the order to pay them off — smallest balance first (snowball) or highest interest first (avalanche) • Savings goals, with progress kept up to date • Planned expenses, so you know what is coming • Vacations, with their expenses grouped separately • Car costs: fuel, servicing, insurance, inspections, with an estimated real cost per month and per kilometer • A notice before a car document expires: inspection, insurance, road vignette • Family budget (with an account): see together how much each member spends this month • Trash for expenses: an expense deleted by mistake can be restored • Lock with a fingerprint or a code • With an account: sync across phones and with the web version FINANCIAL EDUCATION, BUILT IN The Academy has short lessons and tutorials on personal finance: the 50/30/20 rule, paying yourself first, building an emergency fund, compound interest and inflation. At the end of each month you get a review, and achievements as you put things in order — so you see not just how much you spent, but what it means. Made by DIGITAL MEDIA DESIGN SRL. More about the app at howmuchispend.com