Help
Budget mensuel is a table to follow the money coming in and going out of each of your accounts, month after month. This page explains every part.
First use
The site suggests a country from your connection, your device's time zone or your browser language. Check it: it sets the main currency, the number format, the list of suggested banks and the names of salary deductions. You can change it at any time in the settings.
Countries available: Austria, Belgium, Canada, Côte d'Ivoire, France, Germany, Italy, Luxembourg, Monaco, Morocco, Portugal, Senegal, Spain, Switzerland, Tunisia, United Kingdom, United States. For any other, choose "Other country" and the currency you want.
Accounts
Create one block per bank account or mobile wallet. For each, enter the bank (pick from the list or type another name) and the account currency. The "Collapse" link shrinks an account to its name and balance.
- Salary: enter the gross amount, social contributions and tax withheld. The net amount is calculated. If you only know the net amount, put it in "Gross salary" and leave the deductions at zero. If you receive a 13th salary, tick the box: one twelfth is added each month.
- Income: benefits, pension, self-employed income or any other amount received.
- Expenses: one line per expense. The category is suggested from the label ("Groceries" in Groceries and household, "Leasing" in Vehicle). If you change it, the site remembers it for similar labels.
- One-off: tick this box for a line of this month only (a gift, a repair). It will not be copied to the next month.
Entering amounts
Both comma and point are accepted: 812,50 and 812.50 give the same amount, as do 1 500 and 1'500. Negative amounts are refused: for a refund, add an income line. Amounts above 10 million are refused. A message under the field explains any refused entry, and the saved amount does not change until it is corrected.
Month summary
- Month balance: net income minus expenses. "Deficit" shows when it is negative, "Low margin" when it is below 5% of income.
- Left after savings and debts: the balance minus savings payments and loan repayments, except those you already entered as expenses ("Savings" and "Debt repayment" categories).
- Alerts: overdrawn account, planned budget exceeded, currency without an exchange rate, balance below the threshold you set in the settings.
Planned budget per category
In "Expenses by category", enter the amount planned for a category. The "Left" column shows what is left to spend; when it is exceeded, the line turns red with the amount over, and an alert appears in the summary. The planned budget is copied to the next month.
Transfers between your accounts
When you move money from one of your accounts to another, use the category "Internal transfer" on both sides. These lines count in each account's balance but not in the month's income and expenses, so the same money is not counted twice.
Currencies and exchange rates
An account can use a currency other than the main one. Monthly totals are then converted with the reference rate published by the European Central Bank (ECB), fetched automatically. The date of the rate is shown next to it.
Why does this rate differ from my bank's? The ECB rate is an average rate published once per working day, with no margin. Your bank applies its own rate, which usually includes an exchange margin. For totals exact to the cent, enter your bank's rate.
- You can replace a rate with your bank's rate: it stays as it is until you click "Update rates".
- The CFA franc (XOF) is converted with its fixed peg: 1 EUR = 655.957 XOF.
- The ECB publishes no rate for the Moroccan dirham (MAD) or the Tunisian dinar (TND): enter them yourself.
Moving to another month
The arrows and the month list let you move around without creating anything. For a month that does not exist yet, the site offers two choices:
- Copy the nearest month: accounts, salaries, lines and planned budget are copied, except one-off lines and lines imported from a statement. Savings go up by the payment and debts go down by the repayment (can be turned off in the settings).
- Start an empty month: the same accounts, with no lines.
Savings, debts and wish list
These three lists give an overview: the monthly payment and balance of each saving, the monthly repayment and amount left on each loan, and the purchases you plan. Payments and repayments are taken off in "Left after savings and debts". For each wish, the site estimates how many months it takes from the average amount left over the last three months.
Swiss figures
If your country is Switzerland, a box adds up the year's payments on savings lines named "Pillar 3a" or "3e pilier" and compares them with the deductible limit: CHF 7,258 in 2026 with a pension fund, 20% of income and at most CHF 36,288 without. It also adds up the tax provision since January ("Tax provision" and "Taxes" categories).
Undoing a mistake
- Undo and Redo, at the top of the budget, go back over the last changes. After a deletion or an import, a message also offers "Undo" for a few seconds.
- Saved versions: in the settings, a copy of the budget is kept on this device every day, before each import and before each deletion (10 at most). You can restore or download it.
Settings
The "Settings" link at the top of every page lets you choose:
- the language: French, English or German (also with FR / EN / DE at the top of every page);
- the theme: automatic (like your device), light or dark;
- the country and main currency;
- an alert threshold for the month balance (for example -200);
- whether savings and debts move forward when you copy a month.
History
In the settings, the history has two parts:
- Month by month: a chart of the last 12 months (balance, savings, debts; with the keyboard, left and right arrows) then the table of net income, expenses, balance, savings and debts of every saved month. Click a month to open it. Amounts in foreign currencies are converted with current rates.
- Change log: a dated list of what you added, changed or deleted (last 300 actions). You can clear it.
Account (optional)
Without an account, your budget stays in this browser only. With an account, it is saved on our server and you find it on your other devices.
- Sign in with Google or with an email address and a password of at least 10 characters.
- Your password is never sent: your browser computes a fingerprint of it, and only that is transmitted.
- After signing up, an email asks you to confirm your address. It lets you recover the account if you forget your password.
- Each change is sent to your account a few seconds later. If the budget changed on two devices at the same time, the site asks which version to keep, with two buttons. The other version stays downloadable and in the device's versions.
- On a shared computer, sign out and accept to delete the browser copy.
- Forgotten password: a link valid for 60 minutes is sent to you by email.
- You can delete your account at any time from the Account page, confirming with your password. An account with no sign-in for 24 months is deleted, after a warning email 30 days before.
- Accounts are for people aged 16 or over, or with the agreement of a legal guardian.
Installing the app
On a phone or computer, your browser offers to add Budget mensuel to the home screen ("Add to Home Screen" or "Install"). The site then opens like an app and works offline with the data on the device.
Export and import
In the settings, under "Your data":
- Export: JSON (full backup), Excel (.xlsx) or CSV (all lines, one sheet per topic in Excel), PDF (printable report), Word (.docx, editable report) or Markdown (.md). For PDF, Word and Markdown, choose the month shown or all months.
- Import again: all these files give back the exact budget, on this device or another one. PDF, Word and Markdown hold a copy of the backup. If you changed the file after exporting it, the site notices and reads its tables instead of the copy.
- Fill in a template: download the Excel, CSV, Word or Markdown template, replace the examples with your figures, then import it.
- Import a bank statement: download the statement from your online banking as CSV, Excel or PDF, then import it. The site finds the date, label and amount of each transaction, suggests a category (for example "Migros" in Groceries and household, "Transfer to savings" in Savings) and shows a preview. Choose the account, correct what needs it, untick what should not be added, then confirm. Each line goes into the month of its date; a missing month is created with your accounts but no other lines. A transaction already present (same date, label and amount) is not added twice. If the account already has a gross salary, the salary lines of the statement are unticked so the salary is not counted twice.
In Excel and CSV files, two optional columns keep the date of each transaction and the one-off lines, and the "Planned budget" section keeps your budgets per category. The CSV uses a decimal comma when your country does, so that Excel reads the amounts as numbers.
Writing your budget in a text, Word or Markdown file
One line per item, as "label: amount". The category is optional, in brackets. Headings sort the lines that follow:
Month: 2026-10 Account: Current account (UBS, CHF) ## Salary Gross salary: 5000 Contributions: 650 ## Expenses Rent: 1500 (Housing) Groceries: 600 ## Savings Savings account: 200 / 5000
- Headings understood: Salary, Income, Expenses, Savings, Debts, Wishes (in French and German too). A month heading such as "November 2026" starts a new month in the same file.
- Savings and debts: the monthly payment, then the balance or amount left after a slash.
- Amounts accepted: 1500, 1,500, 1 500.50, CHF 40 or 40 €.
- A single line such as "salary = 3000" also works: it becomes the gross salary.
- Total lines ("Total", "Balance", "Left over") are ignored, because the site works out totals itself. A net salary given as well as the gross salary is not counted twice.
Before anything is added
A preview shows where each line goes: month, account, section, category and amount. Lines ignored or corrected are listed with their number. Then choose "Add to my budget", which completes the months without duplicates if you import the same file twice, or "Replace the whole budget".
Files are read and created on your device. They are sent to no server. Some banks' PDF statements have a layout that is hard to read automatically: in that case, use CSV or Excel.
What the tool does not do
Budget mensuel does not connect to your bank: every line comes from you, typed in or imported from a file you choose. Salary deduction names are indicative and the calculations are not financial or tax advice.
A question not answered here? Write to us.