Simplify Budget: The Free, Global Budget Tracker That Actually Respects You

Tired of budget apps that lock you into subscriptions, hold your data hostage, and only work with US dollars? Meet Simplify Budget - the personal finance app that puts you first.

Why I Built This

Every popular budget app seems to forget that most of the world doesn't use dollars. YNAB? US-only. Mint? What's a Euro? Emma? Subscription fees forever.

I wanted something different:

• Your currency, your language
• Your data stays yours forever
• Zero fees, zero ads, zero BS

So I built Simplify Budget.

The Modules That Make It Complete

1. Monthly Grid View - The Star of the Show

This is where the magic happens. A visual calendar where:

• Rows = days of the month
• Columns = your spending categories
• Click any cell to add an expense
• See your entire month at a glance
• Swipe between categories on mobile
• Color-coded overspending alerts

Why it works: Your brain processes visual patterns faster than lists. You'll instantly see "wow, I ate out 5 times this week" or "Sunday is always expensive."

2. Budget Dashboard - Your Financial Command Center

• Income vs Spending summary at the top
• Category Progress Bars - green/yellow/red at a glance
• Monthly Expense Donut Chart with emojis IN the slices
• Savings Tracker - gamified to show 188% when you're killing it
• Fixed Expenses Summary - "8 subscriptions = 12% of income"

3. Recurring Expenses - Never Forget a Payment

• Auto-populates your monthly grid
• Shows when payments are due
• Tracks both subscriptions and fixed payments
• Annual projection chart by month
• "Expires soon" alerts for trials

4. Income Tracker - Know What's Coming In

• One-time and recurring income
• Multiple income sources
• Automatic monthly calculations
• Links to your budget planning

5. Net Worth - The Big Picture

• Track assets and debts
• Month-over-month comparison
• Auto-copy from previous month
• Visual progress tracking
• Categorized by asset type

7. Categories - Your Personal System

• Up to 30 custom categories
• Emoji-powered recognition
• Can't delete (preserves history)
• Rename anytime
• Active/inactive toggles

8. Settings - Make It Yours

• Currency selection
• Language preference
• Dark mode toggle
• Decimal places on/off
• Date format options
• Google Sheet connection

9. Reports - Set your goals analyse your income and spending trends

The Technical Magic (That You Don't Have to Care About)

• Built on Google Apps Script (free hosting forever)
• Progressive Web App (works like native mobile)
• Intelligent caching (loads instantly after first use)
• Works offline (syncs when connected)
• Shared access for families
• No servers to maintain

Who It's Perfect For

✅ International users tired of dollar-only apps
✅ Families who want to track together
✅ Privacy-conscious people who want data control
✅ Visual learners who think in patterns, not lists
✅ Anyone who's tried 10 budget apps and gave up

Who It's NOT For

❌ People who want automatic bank sync
❌ Those who never want to manually enter data
❌ Users needing complex business accounting

The Philosophy

Most budget apps try to be your financial advisor, investment tracker, and life coach. Simplify Budget does one thing perfectly: help you see where your money goes.

No AI predictions. No patronizing tips. No "insights" you already know.

Just a clear, visual way to track spending that takes 3 seconds per transaction.

Getting Started

1. Visit [simplifybudget.com]
2. Sign in with your Google account
3. Copy the template Google Sheet
4. Paste your sheet URL
5. Start tracking