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Budget in pictures
Create, edit, delete and follow your budget: a month, a year, a trip. Short sentences, diagrams, and an FAQ at the end.
The idea in 30 seconds
A budget is a list of categories, each with a planned amount.
You only fill in the ones you care about. Muskadia adds everything up by itself: the total, and for Home the planned balance (planned income minus planned expenses).
A Home budget renews every month: you don't have to start over. You only change it when your situation changes.
Create the budget for one month
For Home. (A trip's budget has its own section further down.)
- Open Home, then the Budget tab.
- Tap Plan a month for the next month, or Edit budget for the current month.
- Fill in the amount of each category, first for planned expenses, then for planned income.
- Tap Save, then choose from when the change applies (see “Edit”).
- 1The month. At the top, the month you are preparing.
- 2Planned expenses. The total of everything you plan to spend. It moves with every amount you type.
- 3The categories. Fill in the ones that matter, leave the others empty. An asterisk * and a chevron mark a category with subcategories: tap it to unfold it.
- 4Planned income. What you expect to receive (salary, benefits, refunds…). Income is never counted as an expense.
- 5Planned balance. Income minus expenses, spelled out: “Surplus of…” or “Deficit of…”.
- 6Alerts. A notification when you reach 80% and then 100% of a category or of the total. It stays on your phone.
- 7Save. If anything changed, Muskadia asks from when it applies.
Create the budget for the whole year
The simplest method: prepare one “typical” month by category, then let it repeat. After that, adjust only the months that are out of the ordinary.
- In Home > Budget, Year view, tap Plan my year.
- Tap the Build it by category card. It opens the current month, or January for another year.
- Fill in your categories, then Save and choose This month and all following months. Every following month takes this budget.
- For a month that stands apart (August, December…), tap its name in the grid: it opens by category. Save with This month only.
Below the card, the “Or one total per month” grid also lets you enter a simple total for each month, without going through the categories. The ⌄ arrow to the right of a month copies its amounts to the following months.
Edit a budget
Open the month you want and change the amounts. When you save, Muskadia asks from when the change applies:
This month only
The next month keeps its earlier amounts.
Example: a November that costs more than usual.
This month and all following months
Every following month takes these amounts, even those you had already set.
Example: your rent goes up for good.
Delete a budget
Remove a category
Empty its amount, then save and choose the scope.
Stop a month's budget (Home)
Empty all the categories on one side (expenses, or income). There is then no budget (or planned income) from that month on. The earlier months keep theirs.
Delete a trip's budget
Trip > Budget > Delete budget, then confirm.
Your expenses are never deleted. Only the budget, meaning what you had planned, disappears.
Break a category down into subcategories
To see where a category's money goes: “Subscriptions” into Free, Cloud, ChatGPT…
- In Settings > Categories, open the category, then tap Subcategories and add your own.
- In the budget, the category carries an asterisk *. Tap it: one line per subcategory, plus No detail.
Follow your budget
Your budget is a reference point: Muskadia compares what you planned with what you actually spent.
- ▸Home > Budget > Year view. Month by month: the budget, the actual and what is left. An overspent month is flagged. Tap a month to open its detail.
- ▸Month detail. Total income, total expenses, the actual balance, then every line you entered. Each category reads “spent / planned”.
- ▸Statistics. How your expenses are split by category, with subcategories you can unfold.
A trip's budget
Same principle, but simpler: a single budget for the whole trip, with no months.
- Open the trip, Budget tab, then Set a budget (or Edit budget).
- Enter the planned amount for each category. The total is shown, with the amount per day if the trip has dates.
- Choose whether you want the alerts, then Save budget.
The Budget tab then shows, for the total and for each category, the percentage used, what is left or the overspend. The budget is calculated in the trip's display currency.
Frequently asked questions
How do I follow my budget?
For Home: Budget tab > Year view to see each month, then tap a month for its detail (actual against planned, category by category). For a trip: the trip's Budget tab. Statistics shows how your expenses are split.
Do I have to fill in every category?
No. Fill in only the ones you care about. A category with no amount simply has no budget.
What is “No detail” for?
It is the part of a category that you don't break down into subcategories. For example, Subscriptions €25 including Free €15: the remaining €10 are “No detail”. In expense lists, it is also the expenses entered without a subcategory.
Why did my total go up when I filled in a subcategory?
Because a category's amount is the sum of its lines. If your budget already existed, its amount sits entirely in “No detail”. To split it without changing the total, lower “No detail” by as much as you add to the subcategories.
What does the asterisk (*) mean?
The category has subcategories. Tap it to unfold it.
What does “Planned, no breakdown” mean?
It is the part of an old budget entered before categories existed: it counts in the total but is not attached to any category. You can split it by opening the month with “Plan this month”.
What is the difference between “this month only” and “all following months”?
“This month only” changes just the open month: the next one keeps its amounts. “All following months” changes this month and every month after it, even those already set. Past months never move.
What happens when I go over my budget?
Nothing is blocked: you can keep entering expenses. The bar turns red, the line says “Over by…”, and if alerts are on, a notification warned you at 80% and then 100%.
How do alerts work?
A notification at 80% and then 100% of the budget, for the total and for each category, once per threshold. They are created on your phone, nothing goes through the internet. If you refuse notifications, the tracking stays visible in the app. You set the alerts at the bottom of the budget screen.
I made a mistake: how do I undo it?
Reopen the month, put the right amounts back and save. To get the earlier budget back on every month, choose “This month and all following months”. Your expenses are never touched.
Can my budget be in several currencies?
A budget is in a single currency: the display currency of Home or of the trip. A foreign-currency expense is converted at the rate of the day you entered it, then counted in the budget.
How do I keep my budget if I change phone?
In Settings > Export, create a backup: it also contains your budgets and subcategories. Restore it on the new phone.
Does income count in my expenses?
Never. Income (salary, benefits, refunds) only feeds the balance: income minus expenses.