Bell Budget is a zero-based budgeting app for money that lives in more than one currency. Assign what you actually have, let it roll forward month to month, and always know what’s safe to spend.
Not next month’s paycheck. What’s in your accounts right now becomes Ready to Assign, one balance per currency.
Assign until Ready to Assign reads zero. Dollars stay dollars and euros stay euros. Nothing gets quietly converted to make the totals look tidy.
Overspent on groceries? Move money over from a category that can spare it. The plan changes when your month does.
Whatever’s left in a category carries into next month, so savings build up instead of resetting on the 1st.
Hold dollars, euros and pesos side by side. Each currency gets its own Ready to Assign, and transfers between them record the rate you actually got.
at 0.923, saved on the transfer
Match on payee or memo. The longest match wins, so “Uber Eats” lands in Dining out even though “Uber” means Transport.
uberuber eatsSplitting a receipt in your head is for people without a keyboard. Type the sum and Bell Budget works it out.
Fill up to an amount, add some every month, or reach a number by a date. Spending shows up hatched, so what’s left is visible at a glance.
Filled to $520 · $212.40 spent
Track what you’ve put in, what you’ve taken out and what it’s worth now, without long-term money muddying this month’s plan.
Create transactions from a script, an n8n flow or your bank’s notifications. Your rules apply on the way in, and Splitwise imports are built in.
POST /api/transactions
{ "payee": "Uber Eats", "amount": -18400 }
→ categorized as Dining outYou budget only the money you already have, and assign all of it to categories until nothing is left unassigned. Every dollar gets a job before you spend it.
Yes. Each currency has its own Ready to Assign balance, categories can be funded in any currency you hold, and transfers between currencies record the exchange rate you actually got. Currencies used only for investments can be marked off-budget.
Bell Budget uses the same envelope-style, zero-based method that YNAB popularised: assign what you have, move money when plans change, and let leftovers roll into next month. It adds first-class multi-currency budgeting and off-budget investment tracking.
Enter them by hand, with arithmetic allowed in every amount field, import shared expenses from Splitwise, or send them through the API from a script or an automation tool like n8n. Auto-categorization rules apply on the way in.
Yes. Bell Budget is built for desktop, tablet and phone, and can be added to your home screen like an app.
Add an account, enter its balance, and give the first few dollars a job. It takes about two minutes.