Quick entry
Record an expense in one line so the budget stays current.
Monthly budget and category limits with “Safe to spend today”
In Monnex you set a monthly spending limit and separate limits for categories such as groceries or cafés. Home shows “Safe to spend today”: what is left of the monthly limit divided by the days left in the month. The bot warns you in Telegram when a category or the month reaches 80% and 100% of its limit.
Updated
Limits
How the monthly limit and category limits work
The monthly limit covers all spending of the budget month; category limits split it into groceries, transport, cafés or anything you track. Every expense you record — in one line, through the bot or from a statement — is counted against them straight away.
- Budget shows what is spent and what is left in the month and in each category.
- Transfers between your own accounts are not spending and never reduce a limit.
- Spending in another currency is shown separately and is not mixed into the limit.
Safe to spend today
How “Safe to spend today” is calculated
Safe to spend today = (monthly limit − spent this month) ÷ days left in the month. If you spend less today, tomorrow’s figure grows; if you spend more, it shrinks — the month stays within the limit either way.
Example: with a monthly limit of 30,000 ₴, 18,000 ₴ already spent and 10 days left, the figure is (30,000 − 18,000) ÷ 10 = 1,200 ₴ for today.
Facts
Budget in brief
- Budget: a monthly limit and category limits, alerts at 80% and 100%, and “Safe to spend today” = (monthly limit − spent) ÷ days left in the month.
- Reminders and summaries from the bot, only when turned on: a daily reminder on days with nothing recorded, a daily summary, weekly and monthly summaries and budget alerts.
- Free, with no count limits: recording operations, quick entry, the bot, any number of accounts in 21 currencies, categories, budgets with alerts, goals, wealth with history, reminders and summaries, CSV/XLSX export and the first statement import.
Questions
Questions about budgets
How do I know how much I can spend today?
Set a monthly limit. Home then shows “Safe to spend today”: what is left of the limit divided by the days left in the month.
Can I set a limit for each category?
Yes. Add a limit to any expense category, as many as you need; the monthly limit still covers the total.
When does Monnex warn me?
When a category or the whole month reaches 80% and 100% of its limit, the bot sends an alert in Telegram — if you turn the alerts on.
Do budgets cost anything?
No. Budgets with alerts are part of Free, without a limit on how many you create.
Related
Related features
Savings goals
Put what is left of the budget towards a goal.
How to make a family budget
A step-by-step guide with or without an app.
Set your first monthly limit
Open Monnex, add a limit and see today’s figure on Home.