Budgeting guides

Every guide here answers one real question — what a method is, whether it fits your situation, and what to actually tap if you want to run it in Budget Fury. No filler, no listicles, no "10 tips to save money".

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Budgeting methods

Pick a system and run it properly. Each of these explains the method first, then exactly how to do it in the app.

Method Envelope budgeting without the cash Why the envelope system works, how many envelopes you need, and how to run it on a phone. Method Zero-based budgeting: give every euro a job Why budgeting to zero doesn't mean spending to zero, and how to do it monthly. Method Kakeibo: the Japanese budgeting method The four questions, the ledger habit, and how to keep both without a paper notebook. Method The 50/30/20 rule, and how to track it What counts as a need, what to do when the rule is impossible, and how to see your real split.

Saving and paying off debt

Money you're accumulating needs to come out of the budget first, not out of whatever survives the month.

Saving Sinking funds, and how to run them in an app The trick that stops Christmas, car repairs and insurance renewals from wrecking a month. Debt Budgeting your way out of debt Snowball or avalanche, and how to make the repayment survive the month. Planning Forecasting the next twelve months Which months are already tight, and when you can actually afford the thing you want.

Setting up and staying set up

Getting your real history in, and getting your bills to look after themselves.

Setup Turn a bank CSV into a working budget Export, map three columns, and start from a plan built out of what you really spend. Bills Bills and subscriptions, under control The real annual cost of your fixed expenses, and every bill projected twelve months out. Sync One budget on every device you own Phone for entry, Mac for review — through your own iCloud, with no account to create.

Privacy, AI and travel

Why there's no bank connection, what the on-device assistant does, and how the whole thing behaves abroad.

Privacy A budget app that never asks for your bank login What linking a bank actually exposes, and how manual tracking beats it on accuracy as well as privacy. AI An AI assistant that stays on your phone What on-device AI can answer about your budget, and why that matters for financial data. Travel Budgeting across currencies Earning in one currency and spending in another, without a spreadsheet.

Comparisons

Honest about what you gain and what you give up.

Compare Leaving YNAB: what you keep, what you lose An honest comparison for people who like the method but not the renewal notice.