Budgets
Put a cap on every category
You say how much you want to spend on food, transport or whatever else, and Not Pato counts down on its own with every transaction that lands. No spreadsheets, no adding up in your head, no finding out at the end of the month.
Your budgets
One ring per category
How much is left, at a glance
Each category has its ring and its color: green while you are doing fine, amber from 80% on, red once you go over. Tap into one and you get the full detail, with the transactions that ate it up.
- The big ring adds up every budget for the period
- Categories with no cap stay in the row, ready for you to set one
- Every transaction in the list carries the budget's progress on its icon
Food
$172.000 of $200.000
$28.000 left
This month's transactions
Jumbo
Today
$38.900
Uber Eats
Yesterday
$12.400
Starbucks
Sep 22
$5.200
The warning
You find out at 80%, not at 120%
The warning does not wait for the end of the month: it fires the moment the transaction that crosses the threshold lands, which is while you can still decide something. It comes at most twice per period, at 80% and at 100%, and does not repeat.
- It fires with the transaction that crosses, not at month end
- It states the percentage, the spend and the cap, without opening the app
- If it bothers you, turn it off in notifications without touching the rest
Heads up on your budget
now
80% of Food ($160.000 of $200.000)
Budget maxed out
Tue 09:12
100% of Transport ($120.000 of $120.000)
On the monthly chart
The cap is drawn over your spending
On the home chart each bar is what you have spent and the dotted line is your budget. If you are under, the dotted line sits above as the limit you did not reach. If you went over, the bar spills past it and you see it without reading a single number.
- The bar is the spend and the dotted line the cap, neither caps the other
- Categories without a budget look the same, just without the dotted line
- It is the same spending you see in the transaction list
This month's spending by category
$200.000
$120.000
$200.000
no cap
The period
Your month, not the calendar's
If your paycheck lands on the 28th, your month starts on the 28th. The budget resets there, along with the rest of the app: the monthly balance, the fixed expenses and the stats all use the same period, so the numbers always talk about the same stretch of time.
- You set the day your month starts and everything follows it
- The budget goes back to zero on its own, no need to recreate it
- The amount you set carries over from one period to the next
Calendar month
Sep 1 · Sep 30
Your month
Aug 28 · Sep 27
Your paycheck lands on the 28th, so your month starts on the 28th. That is when the budget resets, not on the 1st.
The details that matter
It counts when you spend
What you pay by credit card comes off on the day of the purchase, not the day you pay the card. Paying the card does not come off anything again.
Going over blocks nothing
The ring turns red and the warning arrives, but spending keeps coming in as usual. It is a reference for deciding, not a lock.
What you spend abroad too
A purchase in another currency comes in converted to yours at that day's rate, so the budget matches what the bank charged you.
Frequently asked questions
Set the first one and forget about it
A cap on the category where your money goes is enough to feel the difference. Not Pato carries the rest.