Your budgeting app
Most budgeting apps tell you what you already spent. Hooldbudget is built around the more useful question: what is actually left, and what is already spoken for?
You plan a period, log what moves, and the numbers stay honest - on your laptop and on your phone.
Have a look at the features below, and at the roadmap to see where it is going next.
Budget ahead
The most essential thing for saving is that you know your future expenses. It is not easy to start and logging all your transactions - it takes time and will. We provide you a lightweight solution to track your cash-flow.
Multiple virtual cards for multiple purposes
Set up multiple virtual cards for your everyday wallet separately from the non-everyday, the ones which got shared with friends or family or even traveling. The goal here is to your money tracking should be transparent but also should represent reality.
You choose when the period starts
It is not necessary to start your budgeting period at the start of the month. Why would it be? You can adjust your budgeting periods at the your payday.
Collaborate with anyone
This is for you if you are sharing your expenses with friend or family. If you are going to travel and splitting expenses, then this is the function you are looking for. Can assign editor or viewer role to invitees.
Calculated money amounts
Four numbers, kept up to date for you: what is on the card now, what the period is projected to end with, what you have put aside, and how much of your budget is still unspent. No spreadsheet arithmetic.
Shopping lists together with budgeting
Manage the shopping lists with your personal finance. You don't have to use a third party tool to create and manage shopping lists then manually log into the app. When you done with the list, you can easily convert to transaction with its items.
Reports that cover plan and reality
Income, expenses, net cash flow and savings rate across every period you have tracked - with future periods continuing as dashed lines past today, so the plan and the history sit on one timeline. Dig further into groups and budgets, plan versus actual, your biggest expenses, or how your cards compare.
Close the period, keep the record
When a period is over you close it. You get a report of how it actually went, and the period is locked against accidental edits - reopen it whenever you need to correct something. If you forget, Hooldbudget reminds you.
And the parts that save you typing
🤖 AI categorization
Bring your own Gemini API key and let new transactions be sorted into your groups for you. You still approve what it suggests.
📥 Bank import
Upload your bank's CSV export. Rows land in a review area first, so nothing hits your budget until you say so.
👯 Duplicate detection
Logged the same thing twice? Suspicious pairs get flagged instead of quietly double-counting.
🎪 Events
Total up a trip or a wedding on its own, across periods and cards, with its own budget.
🔁 Repeating transactions
Rent, subscriptions and salary appear in each new period by themselves.
📤 Export
Take your data out as Excel or CSV whenever you want it.
Friendly support
Do not hesitate if you don't know how to start, have a question or if you have any desired feature. We are very focused on making sure that users have the best possible experience and to have more desire to manage their money.
Roadmap
Check out our roadmap to see our upcoming features.