Understanding your finances
Category budgets
Set monthly limits and review purchases, splits and refunds.
How do I create a budget?
Open Budgets, select a month and New budget. Choose a category and EUR amount. Saving requires owner or administrator permissions. Budgets use calendar months in UTC, which can differ from your personal reporting period. Limits do not roll over automatically to the next month.
How do I split a purchase?
In Transactions for the month, select Split and allocate the full amount across categories. The parts must match the purchase. Splitting applies only to budgets and does not change the bank transaction or its category in analysis.
How is a refund counted?
Select the received positive transaction and link it to the purchase using Refund. It reduces budget spending in the month received, even if the purchase is older. Positive transactions are not automatically refunds. Own transfers are excluded; net spending can be negative.
Can I rely on the remaining amount?
It is the remainder of your limits based on available transactions, not your available bank balance. Problematic transactions are excluded and the remainder is provisional until reviewed. Categories without budgets appear separately. No transactions does not prove there was no spending.
Finance Ledger presents insights based on entered data and does not provide investment, credit or tax advice.