Set a monthly reference amount
Choose an amount that reflects your own plan. CHEK does not block purchases or represent a live bank balance; the budget is used as context for the expenses you record in the app.
Compare the plan with actual records
Add purchases manually or through receipt scanning. Use the monthly overview to compare totals and categories with the budget. More complete records make the comparison more useful.
Include recurring commitments
Subscriptions and repeat payments can take up part of the month before new purchases happen. Review them separately and update the amounts when a provider changes its price or billing terms.
Keep savings goals in the same picture
A savings goal gives a future purchase or reserve a clear place in your plan. Review goals alongside current spending and recurring payments instead of treating each planning tool as an isolated list.
Suggested budgets, forecasts and a widget
Financial Brain adds a suggested budget with a confidence indication and planning for 30 and 90 days. Review suggested amounts before applying them. The Android widget gives quick access to the latest available spending, budget and remaining amount.
Build a monthly plan in four passes
Start with the funds available for the period. Set aside unpaid commitments and any reserve you want to protect. Allocate the remainder to daily needs. Finally, compare recorded spending with your plan and update the remaining allocation when circumstances change.
Use a daily calculator between monthly reviews
A monthly plan sets priorities; a daily calculation shows how to distribute the money still available. If a bill has already been paid, use the updated balance and do not subtract that bill a second time. For a shared household, agree which balance and commitments belong to the shared plan.
Separate spent, planned and available money
In a hypothetical example, a monthly spending plan is USD 1,000, recorded spending is USD 400, and another USD 200 in bills is still due. The difference between plan and actual spending is USD 600; after the upcoming bills, USD 400 remains within that plan. This is not necessarily your account balance. In the calculator, start with money actually available now and subtract only unpaid commitments.
App and feature availability can vary by country, version and data source. Price search does not guarantee coverage of every retailer. Check device compatibility and installation availability on Google Play.
Monthly budget planner: start with one realistic reference
Set a monthly amount, then compare it with the expenses you actually record. Bring recurring payments and savings goals into the same review so the plan reflects more than day-to-day purchases.
Frequently asked question
Does CHEK automatically enforce my monthly budget?
No. The budget is a reference for comparing recorded spending. CHEK does not block purchases or represent your live bank balance.