Budget tracker
A budget tracker that sees your whole financial life
Most budget apps stop at spending. Endute tracks your budget alongside your net worth, investments and accounts in every currency, so your budget reflects reality rather than sitting in a silo. Transactions import automatically, and refunds are handled the way they should be.
What a budget tracker should do
A budget tracker compares what you planned to spend with what you actually spent, by category, over time. The good ones do the gathering for you, so the numbers stay honest without constant data entry. Here is what to expect from one.
Every account, imported automatically
Open banking pulls your transactions in across your accounts, with no receipt-typing and no copying figures over from your banking app. Connections cover the EU, UK, US and Canada, and CSV import or manual accounts handle anything else.
Budget vs actual, as you spend
Set a limit for each category and watch the progress move through the month, so you know how much is left before you overspend, not after.
Refund-aware
When a refund lands, Endute reduces the spending counted against that category instead of treating it as new income. Most budget apps get this wrong and quietly overstate what you spent.
Category budgets that fit real life
Flexible categories that match how you actually spend, rather than rigid envelopes you have to top up and reshuffle. Adjust them whenever life changes.
Budgets in any currency
Spending in euros or dollars is converted to your base currency with daily exchange rates, so a trip abroad or a foreign subscription still counts correctly against your budget.
On the web and on your phone
Check your budget from your laptop or in your pocket. Spending and progress stay in sync across the web and the mobile app, so a quick look before you buy is always close to hand.
Budgeting that is part of the bigger picture
A budget is far more useful when it is not stranded in its own app. Endute keeps your budgeting connected to everything else you own and owe, and adds the reports and nudges that turn tracking into progress.
Tied to your net worth and investments
Your budget lives in the same place as your net worth, savings and investments, so the money you keep to your budget shows up as progress in the bigger picture, not just a tick in a spending app.
Copy forward each month
Start each month from the last one and adjust, rather than rebuilding from scratch. Your budget is built to survive a busy month without falling apart.
Tracking accounts kept separate
Mark savings and investment accounts as tracking accounts, so their movements count toward your net worth without distorting your day-to-day spending budget.
Reports that explain the month
See where the money went by category and by payee, and follow it end to end in a Cash Flow Sankey that shows income flowing through to whatever is left.
A nudge when you drift
Endute flags when you are over budget or consistently overspending a category, using clear rules rather than a black box, so the warning makes sense and you can act on it.
Safe and read-only
Endute connects through regulated open banking with read-only access. It can see your transactions to track them, but it can never move, hold or touch your money.
A budget app that is part of the bigger picture
| Feature | Endute | Spreadsheet |
|---|---|---|
| Imports transactions automatically | Yes | No |
| Updates budget vs actual for you | Yes | No |
| Refund-aware budgets | Yes | No |
| Budgets across 150+ currencies (daily FX) | Yes | No |
| Tied to net worth, investments and FIRE | Yes | No |
| Spending reports and Cash Flow Sankey | Yes | Partial |
Budget tracker FAQs
- What is a budget tracker?
- A budget tracker is a tool that compares what you plan to spend with what you actually spend, broken down by category and followed over time. A good one imports your transactions for you, so the comparison stays current without manual entry.
- Is there a free budget tracker app?
- Endute offers a 37-day free trial with no card required, so you can budget across all your accounts before paying anything. It is a paid, ad-free product, which means you are the customer rather than the product, and your data is never sold.
- Does Endute use zero-based or envelope budgeting?
- Neither in the strict sense. Endute uses flexible category budgets that are refund-aware and designed to reflect real life, rather than rigid envelopes you constantly top up and move money between. If you prefer a particular method, you can still apply it within those categories.
- Does it import my bank transactions automatically?
- Yes. Endute imports transactions automatically through open banking across the EU, UK, US and Canada, and you can add anything else by CSV or as a manual account, so it works wherever you bank.
- Can I budget across multiple currencies?
- Yes. Spending in another currency is converted to your base currency using daily exchange rates, so foreign purchases and subscriptions count correctly against your budget. That makes it well suited to expats, travellers and remote workers.
- Is a budget app better than a spreadsheet?
- A spreadsheet can work, but it relies on you to enter every transaction and it goes out of date the moment you stop. Endute imports and updates itself, handles refunds and currencies for you, and ties your budget to your whole financial picture rather than leaving it in a silo.