Choose your budgeting style
Most users should start with Category Budgets because they match how people actually spend: month by month, category by category. Classic Budgets remain available for users who prefer the original custom budget setup.
Best for monthly category planning. Set limits for categories or subcategories, track expenses automatically, and adjust your plan with rollover, top-ups, transfers, and rebalancing.
Best if you already use the older custom budget workflow or want to keep a familiar setup. Classic Budgets remain available separately in MoneyCoach.
Smart Budgets
NewCategory Budgets are the new way to budget around real spending categories. Set limits for categories or subcategories, track matching expenses automatically, then top up, transfer, rebalance, and roll over budget room as your month changes.
Create monthly limits for Food, Shopping, Transport, Entertainment, or any category you already track in MoneyCoach.
Create a budget for a parent category or add subcategory budgets, like separate limits for Groceries and Restaurants inside Food.
Top up a budget, transfer room between categories, rebalance your plan, and use rollover without moving real money.
Related budgeting guides
Learn the concepts behind Category Budgets, then turn them into practical monthly limits.
Use practical MoneyCoach templates for groceries, subscriptions, transport, kids, and irregular income.
Read guide
Understand how MoneyCoach turns the envelope budgeting idea into automatic category tracking.
Read guide
Move planned budget room between categories without increasing total monthly spending.
Read guide
Start shared household budgeting with categories that create clarity quickly.
Read guide
Start from a grocery template for supermarket spending, restaurants, delivery, and household basics.
Read guide
Use an irregular-income template for essentials, taxes, buffers, flexible spending, and goals.
Read guide
Give recurring charges a clear monthly limit and cancel subscriptions that no longer earn their place.
Read guide
Most users should start with Category Budgets because they track spending automatically from categories and subcategories. Use Classic Budgets if you prefer the original custom budget setup.
Yes. Classic Budgets remain available separately in MoneyCoach for users who already use the older workflow or prefer custom budget rules.
Yes. Category Budgets can use parent categories and subcategory limits, so you can create a Food budget with separate limits for Groceries and Restaurants.
No. Category Budgets only change budget limits inside MoneyCoach. Top-ups, transfers, rollover, and rebalancing do not move real money or create bank transfers.
MoneyCoach is a one-stop-shop that makes managing your personal and family finances fun and accessible. Achieve financial freedom and reduce your financial stress today.