Three steps to a budget you'll keep
No complicated setup. No jargon. Just three simple steps and you're done.
Set your monthly budget per category
Pick a category — Groceries, Eating Out, Entertainment — and set a monthly dollar limit. Takes less than two minutes total.
Breakfin tracks spending automatically
As transactions come in from your connected accounts, Breakfin categorizes them and updates your budget totals in real time — no manual entry needed.
Stay on track with real-time progress bars
Each category shows a clean progress bar — green while you're on track, red when you go over. Glance at your budget and know exactly where you stand.
Everything you need, nothing you don't
Budgeting in Breakfin is intentionally simple — powerful enough to work, simple enough that you'll actually use it.
- Automatic spending tracking — no manual entry
Connect your bank once and every transaction automatically counts toward the right budget category.
- Budget progress bars per category
At a glance, see how much you've spent and how much budget is left — every category, every month.
- Over-budget alerts so you never overspend
Over-budget categories are highlighted in red immediately, so you can adjust before the month is gone.
- Monthly reset — fresh start every month
Budgets reset automatically each month (or roll over if you prefer). Review last month's performance and adjust as you go.
Why not YNAB or a spreadsheet?
Unlike YNAB's complex zero-based budgeting, Breakfin keeps it simple. Set a number, see your progress. That's it. No envelope juggling, no allocation percentages, no learning curve. If you've ever abandoned a budget because it was too much work to maintain, Breakfin is for you.