MoneyManager

Smart Budgets

Not just how much is left, but whether your pace gets you to month end without breaking anything.

Free to spend today
৳0
Safe to spend
Per day left
৳0
Days remaining
26
Liquid held
৳85.3K
Your commitments already exceed your liquid cash by ৳2,091.09. Something has to move: delay an obligation, release an envelope, or accept dipping into the buffer.

How the safe number is built

Four subtractions, in the order a cautious accountant would make them.

16%of month
Liquid assets
Cash and bank balances you can reach today
৳85,333.64
Upcoming obligations
Bills and payables already on the calendar
-৳63,064.73
Unspent envelopes
Money you have promised to categories this month
-৳19,360
Safety buffer
The floor you never touch
-৳5,000
Safe to spend৳-2,091.09
Budgeted this month
৳19,360

Across 11 envelopes synced from MoneyLover.

Spent against it
৳0

0% used with 16% of the month gone. Those two numbers should roughly match.

Every envelope is on pace. You are 16% through the month and no category is running ahead of its share. Nothing needs attention here.
Overall
৳0 of ৳6,000
On pace
today
0%৳6,000 left
Steady pace by day 5৳967.74
Lands at, if pace holds৳0

You have ৳230.77 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳2,800
On pace
today
0%৳2,800 left
Steady pace by day 5৳451.61
Lands at, if pace holds৳0

You have ৳107.69 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳1,500
On pace
today
0%৳1,500 left
Steady pace by day 5৳241.94
Lands at, if pace holds৳0

You have ৳57.69 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳800
On pace
today
0%৳800 left
Steady pace by day 5৳129.03
Lands at, if pace holds৳0

You have ৳30.77 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳500
On pace
today
0%৳500 left
Steady pace by day 5৳80.65
Lands at, if pace holds৳0

You have ৳19.23 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳400
On pace
today
0%৳400 left
Steady pace by day 5৳64.52
Lands at, if pace holds৳0

You have ৳15.38 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳560
On pace
today
0%৳560 left
Steady pace by day 5৳90.32
Lands at, if pace holds৳0

You have ৳21.54 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳200
On pace
today
0%৳200 left
Steady pace by day 5৳32.26
Lands at, if pace holds৳0

You have ৳7.69 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳2,000
On pace
today
0%৳2,000 left
Steady pace by day 5৳322.58
Lands at, if pace holds৳0

You have ৳76.92 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳500
On pace
today
0%৳500 left
Steady pace by day 5৳80.65
Lands at, if pace holds৳0

You have ৳19.23 a day available for the rest of the month and still finish inside the limit.

Overall
৳0 of ৳4,100
On pace
today
0%৳4,100 left
Steady pace by day 5৳661.29
Lands at, if pace holds৳0

You have ৳157.69 a day available for the rest of the month and still finish inside the limit.

Where you are in the month

Budget pace only means something relative to time elapsed.

5of 31
5 days gone, 26 to go. A category that has used more than 16% of its budget is running ahead of the calendar. One that has used less has slack.
11on pace
0to watch
0in trouble