Key features
Beyond Budget is a budgeting app for Android, iOS and the web. It helps you plan your money, track every transaction and understand where it goes, whether you're just starting out or you've budgeted for years. Here's what's inside, grouped the way you'll find it in the app.
Get the app
Get it on Google Play or the App Store (coming this December), or open the web app at app.beyondbudgetapp.com. Your budget syncs across all of them. A few features depend on the device; see Platform availability.
Budgeting
- Three budgeting styles: Zero-Based Budgeting (budget the money in your accounts), Classic Budgeting (budget your expected income), or Simple tracker (just log income and expenses by category, no account balances).
- Groups and categories: organise your budget your way.
- Targets: savings, spending and bill goals for each category.
- Money reallocation, overspending and overallocation help to keep the budget balanced.
- Auto allocation suggestions to fund categories by priority.
- Projections and forecasting: see whether your income covers your targets.
- Surplus funds overview: track and grow your emergency fund.
- Multiple budgets: keep separate budgets and switch between them (see Multiple budgets).
Transactions and accounts
- Expenses, income and transfers, with split transactions, colours and notes.
- Future and recurring transactions, templates, payees and tags.
- Smart search and CSV / PDF export.
- Accounts of every kind, including credit cards, with balance projections and alerts.
- Sentiment: rate a transaction to spot spending you regret.
Import and automation
- Smart AI receipt scan: turn a photo of a receipt into a transaction (Android and iOS).
- AI notification importer: turn your bank's notifications into transactions (Android).
- File import: CSV and OFX / QIF bank files.
- BudgetChat: an AI chat assistant in the side menu that logs expenses, answers questions about your budget and sets reminders. In More › Support, Ask Beyond answers questions about how the app works.
- AI auto-matching: match categories and accounts to pending transactions automatically (Pro).
Insights
- Insights: the big picture, where your money goes, spending comparison, income vs expenses, quick cash flow, the transaction calendar and the transaction map (Android and iOS).
- Money insights and Daily AI insights: AI analysis of your spending habits.
- Financial health score and Am I living below my means?
- Net worth: track everything you own and owe over time.
Plan ahead
- Debts: track debts and pay them off (small debts, large debts), with Debt calculators for credit cards and loans.
- Reminders for bills and budget reviews.
- Shopping list: plan your shopping and share lists with others.
- Warranties: track your warranties and link them to the purchase transaction.
- No spending challenge: challenge yourself to days without spending.
Together and motivated
- Family group: share Pro and budgets with your family (Pro).
- Gamification: badges, streaks, levels, the 66-day habit and the monthly online league.
Your home screen and your style
- Dashboard cards on the Budget tab: Budget health check, Budget summary, Tips, Financial health score, No spending challenge, Surplus funds overview, Scratchpad, Shortcuts and more, which you can customise.
- Theme, color schemes, shapes, currencies, languages and security (passcode, and fingerprint or face unlock on Android and iOS).
- Widgets and shortcuts on your home screen (Android).
Free and Pro
The free plan has no ads, no data selling, and includes most features with some usage limits. Pro removes the limits and unlocks the advanced tools. See Does the app offer a free plan? and Upgrading to Pro.
The budget cycle in five steps
- Record income as it comes in: enter it yourself, import a bank file, scan a receipt or, on Android, let the notification importer do it.
- Allocate that money across your categories and targets so every dollar has a job.
- Spend and track: each expense comes out of its category, so you always know what's left.
- Review and adjust: use Projections and the insights to check you're on track, and reallocate when life changes.
- Start the next month: leftover money carries over so you can reallocate or save it.
Ready to start? Follow the Quick start guide.