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Budgeting & saving pots

A budget that bends with your life.

Set monthly budgets by category, follow them as you log your spending, organise savings into pots, and keep recurring payments in view — flexible enough that you'll still be using it in six months.

app.finanzya.app · Budgeting & saving pots
Budget · March
71%
£1,350 of £4,700 remaining
Needs vs Wants
Needs 62% Wants 38%
Groceries£612 / £700
Dining£248 / £250
Transport£312 / £400
Subscriptions£178 / £150

Needs, wants, and the truth in between

Finanzya separates spending into Needs and Wants so you can see, at a glance, how much of your month is committed vs. discretionary. The split is yours to define — there are no fixed templates, no opinionated 50/30/20 rules forced on you.

  • Tag categories as Needs or Wants — or leave them uncategorised
  • See the split at a glance on the dashboard, not buried in a settings page
  • Adjust the tagging as your life changes (a gym moves from Want to Need when it keeps your back working)

Recurring transactions, handled

Subscriptions, rent, bills, salary — set them up once as recurring templates and they land on the Payments calendar, marked paid or pending as the month unfolds. Spot the £14 streaming service you forgot to cancel before it becomes the £168 streaming service you forgot to cancel for a year.

  • Recurring templates for weekly, monthly, quarterly, and annual transactions
  • Upcoming charges laid out on the month's calendar, settled with a click
  • Planned vs spent for the month, always in view

Tracking as you go, not a month-end reckoning

A budget you check once a month is a budget that already failed. Finanzya tracks every category against its limit, with a progress bar that updates the moment you log a transaction. You see the trajectory while you can still change it.

  • Per-category progress bars and remaining-budget figures
  • Customisable budget periods — monthly, weekly, or rolling 30-day
  • Carry-over and rollover support for categories that swing month to month

Saving pots for the goals that matter

Split your savings into named pots — the deposit, the emergency fund, the trip — each with a target amount and date, funded by allocations from your real savings accounts. Finanzya computes the progress, the days remaining, and the monthly contribution the goal still needs.

  • Pots with target amount and date, funded from your real accounts
  • Progress, days remaining and required monthly contribution, computed for you
  • Quick-start templates: emergency fund, home deposit, holiday, wedding…
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