Two of the biggest budget-busters are irregular income and expenses that either fluctuate month-to-month (we’re looking at you, electric bill) or are paid annually in a lump sum, like insurance premiums and subscriptions. Flexibility for irregular income and expenses Budgeting software should provide the flexibility to conform to your financial obligations and goals by letting you add, delete, and rename categories. But beyond common expenses like these, most people’s spending is unique to their situation. Virtually all budgeting software comes with preset categories like rent/mortgage, utilities, and food. As you’ll be assigning categories to every financial transaction you make in order to track your money, it’s critical that they be accurate. They let you know where your money is coming from and where it’s going. ![]() Income, spending, and savings categories are the building blocks of your budget. ![]() What to look for in budgeting software Customizable budget categories Manage your money, accounts, budget, investments, online banking, and more Moneydance is powerful personal finance and budgeting software. ![]() You can also set a monthly savings goal as a percentage of your income, analyze your spending trends, and keep tabs on your total income, expenses, and remaining budget. Manage your finances with Moneydance - powerful budgeting software for Mac, Windows, Linux and mobile. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain. As you enter each transaction, you can add context by choosing from location-based list of merchants, tagging who you were with, and attaching a photo or the receipt. Personal Budgeting Software for Windows, Mac, iOS and Android. The Wally+ Android app makes it easy to record expenses as they’re incurred.
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