Track budgets and expenses

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Set your budget

Establish spending limits before tracking expenses.

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Budget summary cards

The Finance page displays five key metrics:

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Total budget

Your overall spending limit in the base currency.

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Spent

Sum of all logged expenses, converted to base currency using exchange rates.

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Remaining

Budget minus spent. Turns red when negative (over budget).

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Daily pace

• Actual - Your current spending per day (spent ÷ days elapsed)
• Planned - Target spending per day (budget ÷ total trip days)
• Color coding:
  • Green: On track (actual ≤ planned)
  • Amber: Watch (actual > planned but < critical threshold)
  • Red: Over (actual exceeds critical threshold)

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Per person

Total budget ÷ group size (or travelers if group mode disabled).

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Add expenses

Log purchases as they occur to maintain accurate tracking.

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Quick add

Use the inline expense form for fast entry:

1. Date - Select transaction date (defaults to today)
2. Title - Description (e.g., “Lunch at Borough Market”)
3. Amount - Cost (numbers only, no currency symbol)
4. Category - Choose from 5 major categories:
   • Flights
   • Hotels
   • Transit
   • Food (Estimated)
   • Activities
5. Click Save

The expense appears in the ledger immediately.

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Advanced fields

Click Advanced fields to access:

• Payer - Who made the payment (default: “Primary traveler”)
• Currency - Transaction currency (if different from base)
• Split mode - Equal or Custom split among travelers
• Notes - Additional context or receipt details

Custom split:

• Opens input fields for each traveler
• Enter individual amounts (must sum to total)
• Used for uneven expense sharing

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Expense ledger

All logged expenses display in chronological order, grouped by date.

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Ledger columns

• Date - Transaction date (short format: “Jan 15, 2026”)
• Title - Expense description
• Category - Major category badge
• Payer - Who paid
• Split - Equal or Custom (with participant count)
• Status - Normal or High-impact (exceeds daily pace)
• Amount - Cost in original currency
• Actions - Edit and Delete buttons

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Day subtotals

Each date group shows:

• Full date label (e.g., “Wed, Jan 15, 2026”)
• Day subtotal in base currency

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Edit an expense

1. Click Edit in the Actions column
2. The expense form populates with existing data
3. Modify any field
4. Click Update

Edits update the expense in place and recalculate all totals.

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Delete an expense

1. Click Delete (trash icon) in the Actions column
2. Confirm deletion
3. The expense removes from the ledger
4. Budget summary updates to reflect the change

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Major expense breakdown

The Major expenses table visualizes spending by category:

• Category - Flights, Hotels, Transit, Food, Activities
• Budget share - Visual bar showing percentage of total budget consumed
• Spent - Total amount in base currency

Use this to identify which categories are eating into your budget most.

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Currency conversion

Handle multi-currency expenses with exchange rates.

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Set exchange rates

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When to update rates

Update rates:

• Before your trip (use current market rates)
• Weekly during long trips (if rates fluctuate significantly)
• After a major expense in a new currency

You do not need daily updates unless dealing with volatile currencies.

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Group mode settings

For trips with multiple people sharing costs: Group mode affects:

• Per-person budget display
• Equal split division (amount ÷ group size)
• Traveler list in custom split fields

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Guardrails and automation

Automated checks help you stay on budget.

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Enable guardrails

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Guardrail statuses

On Track (Green)

• Actual daily pace ≤ Planned daily pace × (100% + buffer%)
• Spending is sustainable
• No action needed

Watch (Amber)

• Actual daily pace > Planned × Warn%
• Pace is elevated but recoverable
• Review recent expenses and consider small cutbacks

Over (Red)

• Actual daily pace > Planned × Critical%
• Spending is unsustainable
• Immediate action required to avoid exceeding budget

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Guardrail insights

The insights box displays:

• Current status badge (On Track / Watch / Over)
• Icon (checkmark or alert triangle)
• Up to 3 actionable suggestions:
  • Projected day when budget will exceed (if trending over)
  • Categories consuming the most budget
  • Recommended cutbacks (if enabled)

Example suggestions:

• “You may exceed budget by Day 5 at current pace.”
• “Food expenses are 40% of budget. Consider lower-cost meals.”
• “Cut back on Activities or Transit to stay on track.”

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Hotel cost allocator

Spread hotel booking costs across multiple days.

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Why use the allocator

Hotels charge upfront for the entire stay, but the cost is incurred daily. Allocating lets you:

• See daily spending more accurately
• Avoid a large spike on check-in day
• Match expenses to the days when the hotel was used

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Allocate hotel cost

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Example allocation

Inputs:

• Full stay price: $600
• Mode: Entire booking total
• Nights: 3
• Split by: Nights
• Start date: Jan 10

Result:

• Jan 10: Hotel stay 1/3 - $200
• Jan 11: Hotel stay 2/3 - $200
• Jan 12: Hotel stay 3/3 - $200

Daily pace now reflects gradual hotel cost instead of a $600 spike on Jan 10.

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Export and reporting

Planned export features:

• CSV export - Download expense ledger for spreadsheet analysis
• PDF report - Printable summary with charts
• Category breakdown - Detailed spending by category over time

For now, you can manually copy expense data from the Finance ledger or take screenshots of summary cards for record-keeping.