Spendella Knowledge base Get started free

Spendella / Knowledge base

Set a spending budget

Choose a clear limit for a period and see how much you have left to spend.

This guide covers the free plan — setting it up yourself takes a minute.Get started free →

Updated 7 September 2026

Where to find it

On the website
Menu → Budgets.
On Android
More → Budgets.
Get started free and open this section Sign up in a minute, no card needed. This exact section opens right after.
Set the category, period and planned spending amount in the budget form. Set the category, period and planned spending amount in the budget form.
On the websiteSet the category, period and planned spending amount in the budget form.Set the category, period and planned spending amount in the budget form.
01

Start with one category

You do not need to limit everything at once. Choose groceries, eating out or another category you want to watch. Check how much you normally spend on it.

  • Open Budgets and create a budget.
  • Choose a category, amount and period from the form.
  • Set a realistic limit. A drastic cut is hard to maintain.
02

Check what is included

Spendella compares the budget with recorded expenses. A purchase in another category or outside the period may not be included in the total you expect.

  • Check the category and date of the purchase.
  • Read the spent and remaining amounts on the budget card.
  • If a purchase was categorised incorrectly, edit the transaction rather than the limit.
03

If you go over budget

Going over budget is a reason to review upcoming purchases. It does not block your bank card or stop you recording expenses.

  • Decide which purchases can wait.
  • Adjust the limit if it was unrealistic to begin with.
  • At the end of the period, compare the plan with actual spending before setting the next budget.

What you should see

The budget card shows the limit, spending and remaining allowance.

A budget card compares spending with the limit. This example shows where to look for the remaining amount. A budget card compares spending with the limit. This example shows where to look for the remaining amount.
On the websiteA budget card compares spending with the limit. This example shows where to look for the remaining amount.A budget card compares spending with the limit. This example shows where to look for the remaining amount.
Try it yourself

Everything above is free.

No time limit, no card. Sign up and we open the section this guide is about.

Get started free

Next steps

How to choose budget limits from past spendingCheck budget spending and previous periodsHow to read spending patterns, comparisons and forecasts
All guides in this topic: Budgets, goals and payments →

Still need help?

Tell us which step you got stuck on. Support can help you work through it.

Contact support ↗