Once budgets exist, Finthy tracks them as transactions arrive. There is nothing to run.
Budget Overview
The Budgets page opens on Budget Overview for the current period:
- Total Income, Total Allocated, Total Spent and Remaining.
- How many active budgets you have, and how much rolled over into this period.
- Budget Status, a count of budgets that are On Track, At Risk or Overspent.
- Top Spending Categories.
Those three statuses are the vocabulary used everywhere else, so they are worth knowing: on track, at risk, overspent. You can filter the budget list by them.
Moving between periods
The period navigation moves Previous and Next, with Go to Current to come back. A weekly budget labels its periods by the week they start. Last period’s numbers do not disappear when a new one begins.
A budget’s detail page
Open any budget for:
- Amount, Spent, Remaining, and the percentage of available.
- Status.
- Recent Transactions, with View All. If nothing has been spent yet, it says so rather than showing an empty table.
- Recent Alerts, with View All Alerts.
- Excluded Transactions, anything deliberately left out of this budget’s totals.
- Spending Velocity, below.
Spending Velocity
Two numbers and a verdict. Daily Average is what you have been spending per day, and Projected Spend is where that pace lands by the end of the period.
Finthy then says which case you are in, in plain terms:
- On track: “You have 120.00 left, which works out to 8.00 per day.”
- Reduce spending: your pace does not fit what is left.
- Over budget: “You are 25.00 over this budget. There is nothing left to spend this period.” If you landed exactly on the limit it says the budget is fully used instead.
- Period ended: “This budget period is over. You finished with 40.00 unspent.”
This is the part that answers “am I going to make it”, which a progress bar alone cannot.
Spending Insights
Finthy also raises patterns it notices across periods, each with a recommendation:
- Unusual spending spike, with how far above your average this period is, and a nudge to review the recent transactions that caused it.
- Consistently over budget, when a budget was exceeded repeatedly, with a suggested increase or the suggestion to spend less.
- Spending trending up or down, with the change over the period analysed.
- Stable and predictable spending, with the share of available you use on average, and no action needed.
These compare periods, so they need a few periods of history before they say much.
Good to know
- Progress follows the category, including its subcategories. A budget on Food counts groceries and restaurants beneath it.
- Duplicates are excluded, so a payment you marked as a duplicate cannot push a budget to At Risk on its own.
- A Target budget counts up. Its progress is toward a goal, so “spent” reads as saved and being at 100% is success rather than a warning.
- Rollover changes the starting line. A period that received a surplus has more available than its amount suggests, and one that inherited a deficit has less.