Set what you can spend, see where you should be by today, and treat staying on track like a quest — not a punishment.
Set limits, track against them, and know exactly where you stand — without a spreadsheet.
Set a spending cap per category and watch it fill — not overflow. Know your ceiling before you hit it.
Use the proven 50/30/20 split with a tap, or ignore it and build your own. Either way, the structure is there if you want it.
Each budget bar has a marker for where you should be by today. Behind it, you're fine. Past it, you're spending faster than the month allows, and you can see it while there's still time to adjust.
Make buckets that match your real life — including fun money. No template forces you into categories that don't fit. Categories you only track, with no limit, fold away so they don't crowd the ones you're managing.
Available to budget sets aside your goal amounts and debt minimums first, the same way Safe to Spend does, so you only assign money that's actually free. As you log against your budget, totals update right away.
Available to budget, the four budget types, a monthly limit on a category, and a Save for later travel fund.
More how-to videos: Budget Types Explained: Monthly vs Flexible vs Save for LaterThe Plan Page: See Your Whole Month on One ScreenHow to Organize Categories and Subcategories
Most budgets feel like a cage — a list of rules you broke. That's not a system, it's just guilt after the fact. A good budget tells you where you stand before payday disappears, and makes staying on track feel like progress, not punishment.
Hunter Vault's budget planner lets you set monthly limits per category, follow a simple framework like 50/30/20 if you want one, and see where each category should be by today. Available to budget sets aside your goals and debt minimums first, so you always know what's left before you spend.
Keeping budgeted categories at or under pace counts toward quests like Category Champion, and quests pay XP. Showing up builds your streak, and steady XP raises your rank. If a budget period ends over, nothing is taken from you: the Back on Pace quest asks you to bring those categories back to pace the next week. See the full gamification system →
A budget you can see is one you'll actually keep. Willpower is a limited resource — it depletes under stress, when you're tired, when payday is still ten days away. But a clear, visual budget removes the need for willpower entirely. You don't have to remember your food limit if you can glance at it. Small visible wins — staying green in even one category — compound into a habit. Pair that with consistent expense logging and you stop guessing what's left and start knowing.
No account, no bank login. You set the limits, you log the spending, and it stays on your phone unless you turn on an online feature. Learn more about privacy →
The 50/30/20 rule splits your income into three buckets: 50% for needs (rent, bills, groceries), 30% for wants (dining out, entertainment), and 20% for savings or debt. Hunter Vault has this framework built in — you can apply it with a tap or ignore it and build your own split.
No. Hunter Vault's budget planner is flexible, not strict zero-based budgeting. Set limits for the categories that matter most to you and leave the rest open. A partial budget is still useful — it's better than no visibility at all.
No — it's manual and private by design. You set the limits and log spending yourself. Your data stays on your device unless you turn on an online feature, and no bank login is required.
Yes. Monthly limits, the pace marker, category tracking and the gamification system are free, and the free plan covers up to 8 budget categories. Awakened Hunter, a one-time purchase, makes budget categories unlimited and adds subcategories.
The category shows as over-budget so you can see it clearly — no shame, just signal. Nothing is taken from you. If a budget period ends over, the Back on Pace quest gives you a small target for the next week: bring those categories back to pace.
It shows where you should be by today. If the bar is behind the marker, you're spending slower than your limit allows; if it's past the marker, you're ahead of pace and may run out before the month ends. Categories you only track, with no limit, fold away so the bars that matter stay in view.
Available to budget now sets aside your goal amounts and debt minimums before it shows what's left to assign, the same way Safe to Spend does. That can make it drop once. The money hasn't gone anywhere; it's been given the job you already planned for it.
Pick one category — food, fun money, whatever matters most — and set a limit. Download Hunter Vault free on iOS and Android. No account, no bank sync, no spreadsheet required.
