Budgets & Goals
Set spending limits and savings targets by category.
Budgets & Goals
Create spending budgets and savings goals for your household. Wambai tracks progress in real time so you always know where you stand.
- Set monthly or custom-period budgets by category
- Track progress with visual indicators
- Get notified when you approach your limits
- Compare actual vs. planned spending at a glance
Monthly Budgets
Category Budgets
Assign spending limits to the categories that matter most to your household. Groceries, dining, transportation, entertainment — set realistic caps and watch your spending in real time. Wambai updates your progress with every transaction.
- Create budgets for any spending category
- Set monthly or custom-period budget cycles
- Real-time progress bars show spending vs. limit
- Categorize transactions automatically using your rules
Emergency Fund
$4,200 / $10,000
Summer Vacation
$1,800 / $3,000
Savings Goals
Budgets aren't just about limiting spending — they're about building toward something. Set savings goals for your emergency fund, vacation, or down payment, and track how much you've saved over time.
- Set target amounts and deadlines for each savings goal
- Track contributions over time with progress visualization
- See projected completion date based on current pace
- Celebrate milestones as you reach savings targets
Budget vs. Actual
February 2026
Remaining
$235
$865 / $1,100
Budget vs. Actual
At the end of each period, see exactly how your spending compared to your plan. The budget vs. actual view highlights where you stayed on track, where you overspent, and where you had room to spare — so you can adjust for next month.
- Side-by-side comparison of planned vs. actual spending
- Visual indicators for on-track, warning, and over-budget categories
- Monthly trend showing budget adherence over time
- Identify patterns to optimize future budgets
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