Monthly Budget Tracker
App for India
Set monthly spending limits by category in INR or any of 16+ supported currencies. Trakio automatically counts confirmed bank transactions toward the right budget and sends push alerts at 75%, 90%, and 100% so you know before you overspend.
How it works
1
Create a budget for each spending category
Open the Budgets tab, tap Add Budget, choose a category like Food, Transport, or Shopping, and set your monthly limit.
2
Transactions are counted automatically
Every confirmed transaction in that category is applied to the budget instantly — no manual entry needed when SMS auto-detection is on.
3
Get alerted before you overspend
Push notifications fire at 75%, 90%, and 100% of each budget. Enough warning to cut back before the month ends.
4
Budgets reset each month
At the start of every calendar month, budgets reset automatically. View previous months in your analytics history.
What makes it useful
Auto-populated from SMS
UPI payments, card spends, and bank transfers detected from SMS are automatically added to the right budget category.
Alerts at 75%, 90%, 100%
Three-stage alerts give you time to adjust spending before you hit your limit, not just a notification when it is already too late.
Multi-currency support
Set budgets in INR, USD, EUR, or 13+ other currencies. Useful for freelancers managing mixed-currency income and expenses.
Analytics history
See how your spending in each category trended over months. Identify which months you consistently overspend and where.
Frequently asked questions
How many budgets can I create on the free plan?
The free plan includes 5 active budgets. Starter, Pro, and Ultimate plans have unlimited budgets.
Does the budget tracker work with UPI and bank transactions?
Yes. When SMS auto-detection is enabled, every confirmed bank transaction is automatically counted toward the relevant budget. You do not need to manually log UPI spends.
Can I set budgets in currencies other than INR?
Yes. Trakio supports 16+ currencies. You can set budgets in any supported currency, which is useful if you earn or spend in USD, EUR, or other foreign currencies.
What happens if I go over a budget?
You receive a push notification at 75%, 90%, and 100% of your budget. The budget card turns red when exceeded so you can see the overspend at a glance. Budgets reset at the start of each calendar month.