Budget in the mode that fits the moment.
Choose Light, Dark, or System in Settings. System follows your device preference automatically, while Light keeps SillyBudget’s original look exactly as you know it.
✦ Zero-based budgeting, with a look ahead
Make today’s money make sense.
Make today’s money make sense.
Then peek at tomorrow.
SillyBudget gives every dollar you already have a job, keeps future money safely in Forecast, and puts the details you need right beside the budget—without connecting your bank or turning budgeting into spreadsheet homework.
No bank login Made for quick entry Forecast built in
CategoryAssignedActivityAvailable
Monthly Bills
Rent$1,500-$1,500$0
Electric$140-$118.32$21.68
Phone$95-$95$0
Everyday
Groceries Target$550-$312.44$237.56
Dining Out$180-$74.18$105.82
Transportation$220-$86.00$134
ReconciledChecking matches the bank
Category activityTap the number. See the transactions.
More control, less friction
Small controls that make a real budget easier to live with.
Change how SillyBudget looks, reshuffle a month without rebuilding it, and keep important bill dates right beside the categories they belong to.
Re-plan the month without starting over.
Return positive Available money from regular categories to Money to Spend in one confirmed action, then give those dollars new jobs. Transactions, accounts, history, targets, and notes stay right where they are.
Put the deadline beside the dollars.
Use Due monthly for recurring bills or Due Later for a one-time future date. The badge stays with the category and changes color as the date gets close—without background polling or notification clutter.
01
Budget Notes
Your budget has a memory.
Keep the context that never fits in a category name right beside your money. Add reminders, plans, due-date quirks, or “don’t forget this again” notes—and organize them without leaving the Budget screen.
- Edit in placeUpdate a note whenever the plan changes.
- Put the important one firstReorder notes directly in the sidebar.
- Clean up when you’re doneDelete old notes without cluttering the budget.
Your sidebarBudget Notes
September: Car insurance renews on the 26th. Check the new premium before funding October.
Use anything left in Dining Out for the weekend trip.
Electric has been running about $15 lower than target.
Drag notes into the order that makes sense to you.
CategoryAssignedActivityAvailable
Everyday
GroceriesMonthly target $550$550$237.56
Dining OutNo target$180$105.82
Groceries · SeptemberActivity details
H-E-B-$86.21
Trader Joe’s-$54.90
H-E-B-$112.08
02
Budget what you have
Know what’s actually safe to spend.
Assigned is your plan. Activity is what happened. Available is what’s left. SillyBudget keeps those three ideas visible without making you decode accounting software.
Positive Available balances roll forward Move money when priorities change Click Activity to see what created the total
03
Forecast is built in
Look ahead without lying to today’s budget.
Expected income belongs in the future until it actually arrives. Forecast lets you model next month category by category, compare the plan with reality, and answer “will this work?” without inflating Money to Spend.
Expected income$4,850
Forecasted spending$4,315
Projected left over$535
October 2026Forecast
CategoryForecastActualDifference
RentMonthly Bills$1,500$1,500$0
GroceriesEveryday$550$512+$38
Dining OutEveryday$175$205-$30
VacationGoals$300$250+$50
Copy last month to start faster Forecast · Actual · Difference
Spend on the card.
Keep the cash ready.
When card spending is backed by a funded category, SillyBudget reserves that cash for the card payment automatically. Unfunded spending stays visible as debt instead of quietly breaking the plan.
Groceries
$86.21 spent→Card Payment
$86.21 reserved
$86.21 spent→Card Payment
$86.21 reserved
Make the budget agree with real life.
Compare SillyBudget with your bank or card issuer, clear what matches, and finish at zero difference. If something truly can’t be found, a reconciliation adjustment leaves a visible audit trail instead of silently rewriting the balance.
Institution balance$2,418.22Cleared in SillyBudget$2,418.22 Difference $0.00
04
Made for the phone in your hand
Record it before you forget it.
SillyBudget is manual-first on purpose, so entering a transaction has to feel fast. The mobile flow uses big touch targets, search-first category selection, and a true cents-first keypad for quick everyday entry.
750 becomes $7.50 Split transactions when you need to Transfers stay separate from spending
New transactionH-E-B
$86.21
AccountCheckingCategoryGroceries
123456789000⌫
Save transaction
Manual-first, not manual-painfulNo bank connection required.
Toss the spreadsheet, get Silly!Try the actual app.
Try the actual app.
No signup. No fake screenshot tour.
Launch a private, one-hour SillyBudget demo filled with realistic synthetic accounts, categories, transactions, targets, notes, and Forecast data. Click around. Change things. Break nothing important.
Private on purpose
Your bank login can stay between you and your bank.
You enter the transactions. SillyBudget does the math. No bank connection required, no account-number field, and support cannot open your budget through the app unless you temporarily allow read-only access.
No bank connectionsNo account-number fieldSupport access is opt-inExportable data
Want the details?Public Support Docs explain every major SillyBudget workflow.
Building your demo. Hang tight!
We’re making a tiny fake financial universe just for you. This can take a moment.