budget planner
Build a monthly budget you can actually follow
Spendika helps you turn income, bills, flexible spending and savings targets into a monthly budget you can check against real expenses.
Spendika preview
£432.60
Tracked this month
Capture
Enter income, fixed bills and spending categories.
Review
Set realistic monthly limits for the areas you want to control.
Plan
Review progress during the month and adjust the plan when life changes.
What it covers
Practical money tracking, not empty promises
This page describes features that exist in the current product. Items that need more backend or notification work are described carefully rather than presented as finished.
Privacy and security
Spendika uses authenticated account access, HTTPS on the live site, user-owned records and export options. Receipt images are handled by backend storage routes rather than ordinary public static files.
Read the security pageFree and Premium
The free plan supports useful manual planning. Premium is positioned for heavier use, more receipt scanning, AI assistance and richer reporting. Plan details should be checked against the live pricing configuration before launch copy changes.
Compare plansQuestions people ask
Can I set a monthly category budget?
Yes. Budgets can be connected to categories or used as an overall monthly limit.
Does Spendika show what is left?
The dashboard can estimate what remains after fixed commitments and confirmed spending when money setup is completed.
Can I use it with irregular income?
You can record income manually, but dedicated irregular-income workflows are best treated as a future product improvement.
Does the calculator require sign-up?
No. Free calculators show results before registration.
Can budgets link to goals?
Budgets and goals are separate records, but Spendika is designed to show how spending choices affect saving capacity.
Your plan is ready.
Create a free Spendika account to save it, record actual spending and see whether you are staying on track.