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Personal budgeting · Expense tracking · Savings goals

Know exactly where your money goes.

Set a budget for every category, log every transaction, and track your savings goals — with clear monthly reports that actually make sense.

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No bank linking · Free forever · Your data, your control

budget.umbra.build/dashboard

Dashboard · June 2026

bank

•••• •••• •••• 4821

Main Bank

Balance

₱35,500.00

Send
Receive
Transfer
Payment
Total Balance₱68,250.00

Transactions

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Jun 27

June Salary

Salary • Main Bank

+₱42,000

Rent

Housing • Main Bank

−₱12,000

Jun 26

Groceries

Food & Dining • Cash Wallet

−₱1,450

Grab ride

Transport • Cash Wallet

−₱180

Overview

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Health
Invoices
Goals

Net Worth

₱68,250

Savings Rate

28.5%

Emergency Fund

4.2 mo

Credit Usage

N/A

Income vs Expenses

6 mo

Mar

Apr

May

Jun

Total Income

₱171,000

Expenses

₱117,450

Net

+₱53,550

0+

Built-in features

Budgets, goals, reports & more

0

Steps to start

Accounts → transactions → reports

₱0/month

Free forever

No credit card required

What you get

Everything you need to manage your money clearly.

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No bank sync required. Just a clear tool that keeps your budget honest — exactly the way you set it up.

Envelope budgets

Assign every peso to a category before the month starts. See at a glance how much is left and where you're trending.

Unified transactions

Log income, expenses, transfers, and payments in one place. Every peso tracked — nothing falls through.

Savings goals

Create a goal, link it to a savings account, and watch the progress ring fill. The dashboard shows exactly when you'll hit your target.

Financial health dashboard

Net worth, savings rate, emergency fund coverage, and credit utilisation — all on one screen, updated in real time.

Recurring automation

Set once, run on autopilot. Rent, subscriptions, salary — recurring entries are created automatically each cycle.

CSV import & reports

Import bank statements in seconds — duplicates flagged automatically. Export PDF monthly reports broken down by category and account.

How it works

Three steps, then you know.

01

Set your categories

Create budget envelopes for food, transport, utilities, rent — whatever fits your life. Takes about two minutes.

02

Log your spending

Add transactions as they happen, import a CSV from your bank, or let recurring entries run on autopilot.

03

Read the truth

Your dashboard shows budget health, savings progress, and a clear monthly breakdown — by category and account.

See the full guide

Pricing

Simple. Free to start.

No hidden fees, no credit card required, no expiry date.

Free
₱0/month

Free forever for personal use. No credit card required.

  • Unlimited budget categories
  • Transaction logging (income, expense, transfer)
  • Savings goals with progress tracking
  • Monthly reports & PDF export
  • CSV import with duplicate detection
  • Recurring transactions
  • Multiple accounts
Create your free account
ProComing soon
TBD

Early access pricing to be announced. No commitments.

  • Everything in Free
  • AI Budget Advisor
  • Priority support
  • Advanced analytics
Follow progress

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Take control of your money — start free.

Start budgeting today. No bank linking, no subscriptions, no excuses. Free forever for personal use.

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