Smart Budgets

Budgets that
actually work

Set monthly budgets by category, carry unused amounts forward automatically, and see exactly where you stand with clear over/under visualization. No more resetting to zero every month.

April 2026
Budgeted
$3,300
Spent
$2,905
Remaining
$395
Housing
$1850 / $2000
92%
Groceries
$423 / $600
71%
Transport
$312 / $300
104%
Dining
$178 / $250
71%
Subscriptions
$142 / $150
95%
Under budgetOver budget

Everything you need to stay on track

Automatic rollover

Unspent budget rolls into next month so nothing goes to waste. Overspending carries forward too, keeping you honest.

Category budgets

Assign limits to groceries, dining, entertainment, or any custom category. Each one tracks independently.

Progress bars

Visual over/under indicators show where you stand at a glance — green when under, amber when close, red when over.

Monthly trends

Compare spending against your budget month-over-month. Spot patterns before they become problems.

Effective budget calculation

Your real budget adjusts for rollovers, one-time expenses, and upcoming bills so the number always reflects reality.

Synced with transactions

Every transaction updates your budget in real time. Re-categorize a transaction and your budget totals adjust instantly.

How it works

1

Set your categories and limits

Choose from suggested categories or create your own. Assign a monthly amount to each one — Worth will recommend limits based on your recent spending.

2

Spend normally

Transactions flow in automatically from your linked accounts. Worth categorizes them and updates your budget totals in real time.

3

Review and adjust

Check your dashboard to see what's left, what rolled over, and where you might want to shift dollars next month.

Try Worth free for 3 days

No credit card required. All features included.

Start free trial