What can I spend now?
Give every dollar you actually have a job. Yes, even the ones currently hiding in checking. Available balances roll forward, targets help you prepare, and funded credit-card spending reserves cash for the payment automatically.
Your money is serious. Budgeting doesn’t have to be.
Budget what you have. Forecast what comes next.
Give every dollar you already have a job, peek at next month without pretending future money is already yours, and keep the whole process pleasantly un-boring. SillyBudget is manual-first, private, and built to make the numbers make sense.
You enter it. SillyBudget does the math.No bank login requiredPrivate budget workspace
A less boring money workflow
Three money questions. Much better answers.
What could next month look like?
Wonder what next month could look like without messing up this month. Plan expected income and category spending separately, then compare Forecast, Actual, and Difference without changing your real budget.
Where did the money go?
Find out where your money went. We won’t judge the tacos. Explore spending by category, group, payee, month, and account, then drill back into the transactions behind the totals.
Forecast is built in
Plan ahead without pretending future money is already in your pocket.
Your Forecast lives beside your zero-based budget, not inside its math. Dream a little, plan realistically, and see what might be left over before the month arrives — without turning expected money into spendable money too soon.
Expected incomeCategory-by-category spendingActual vs. forecastCopy last month
Built for everyday use
The control of manual budgeting, without the clutter or spreadsheet vibes.
Type it, save it, move on
Quick entry, searchable categories, splits, transfers, and an app-like flow that keeps transaction entry from becoming a hobby.
Future you will be thrilled
Monthly and by-date targets make underfunding obvious before the bill shows up and ruins the mood.
Keep the numbers honest
Reconcile regularly against your financial institution so SillyBudget and real life stay on speaking terms.
Because brains forget things
Persistent notes stay with your budget across months for bills, reminders, and the little details Future You will absolutely swear nobody mentioned.
No mystery card math
Funded card spending reserves payment cash automatically, while unfunded spending stays visible as debt instead of disappearing into financial fog.
Receipts, but make them useful
Reports connect totals to the transactions that created them, so you can answer “wait, how did I spend that much?” with actual evidence.
Curious before you commit?
Explore Support Docs →See exactly how SillyBudget works.
The public Support Docs walk through budgeting, Forecast, transactions, reconciliation, credit cards, targets, reports, and more—no signup required.
Your bank login can stay between you and your bank.
You enter the transactions. SillyBudget does the math. No mystery imports, no bank connection required, no full financial account numbers, and no selling your financial data to advertisers. Every private budget lives in its own isolated site.
No bank connectionsNo account-number fieldNo ad-tech inside budgetsExportable data