Free budget planner and app
Every coin gets a cell.
Know what's safe today.
Split your take-home pay with the 50/30/20 rule, a zero-based budget or envelopes, and see how much you can spend today without breaking the month. Then every purchase, in any currency, lands in the right budget.
Safe to spend a day
Day
Day-to-day spent
Saved
Cells on track
💼 Payday: $4,000, a cell for every coin
What you get
A cell for every coin
Rent, groceries, fun and savings each get an amount before the month starts.
Safe to spend today
What's left in your day-to-day budgets, divided by the days left. One number each morning.
Any currency, right cell
Pay in euros on a dollar card and it lands in the right budget at what your bank charged.
Free and private
No ads, no premium tier. Your data stays on your device.
Budget planner
Your monthly budget in two minutes
Tell it your take-home pay and pick a style. Bea splits it into cells you can nudge, shows your needs, wants and savings, and works out how much is safe to spend today.
Your currency
What lands in your account after tax. Bea splits it into cells.
Budget style
Half to needs, 30% to wants, 20% to savings.
Your cells
Needs$2,000 · 50% · goal 50%
Wants$880 · 22% · goal 30%
Savings$800 · 20% · goal 20%
Groceries, transport, eating out, coffee, shopping, fun and subscriptions, before today.
Safe to spend today
$55
Day 12 of 30 · $1,040 left for 19 days
Left this month
$1,040
Days left
19
Needs/wants/save
50/22/20
Bigger cell, bigger budget. Rent, bills and savings fill on payday; day-to-day cells fill as you spend. 🪙 is pay with no cell yet.
Every coin has a cell and you're saving 20%. $55 a day keeps the whole month on track. Buzz-tastic!
Your numbers come with you. No account needed.
The budget math, in plain words
- 50/30/20 rule
- = Needs = 50% of take-home pay, wants = 30%, savings = 20%
- $4,000 a month: $2,000 for needs, $1,200 for wants and $800 for savings.
- Zero-based budget
- = Take-home pay − every budget = $0
- $4,000 − $2,000 needs − $880 wants − $800 savings = $320 still to assign. Give it a job and you're at $0.
- Safe to spend today
- = (Day-to-day budgets − spent so far) ÷ days left in the month
- $1,600 of day-to-day budgets and $560 spent by day 12 of 30: ($1,600 − $560) ÷ 19 days ≈ $55 a day.
- Envelope budgeting
- = Envelope left = amount put in − spent; an empty envelope means stop
- A $240 eating-out envelope with $180 spent: $60 left, $15 a week for the last four weeks.
A planning aid with a 30-day month, not financial advice. Rent, bills and savings are set aside on payday; safe to spend counts your day-to-day budgets only.
More than a planner
Your budget, kept true by your real spending
A plan on paper lasts until the first surprise. Ginkou keeps yours true: every purchase lands in its cell, in whatever currency you paid, and your safe to spend number moves with it.
A week, on a dollar card
Café A Brasileira, Lisbon
€6.40 · bank charged $7.35
$7.35$7.35 → ☕ Coffee
CP train to Porto
€32.90 · bank charged $37.76
$37.76$37.76 → 🚌 Transport
Ribeira Pizza, Porto
€41.50 · bank charged $47.63
$47.63$47.63 → 🍔 Eating out
Fado concert tickets
€25 · bank charged $28.70
$28.70$28.70 → 🎉 Fun
Your budget cells this month
Import a statement or log in three taps
Drop in your bank's CSV and Ginkou sorts each line into its budget and skips duplicates. Or log a coffee in three taps while you pay.
Every currency, the right cell
Paid €32.90 on a dollar card? Log what your bank charged and it lands in Transport, added up in the currency you choose. 160+ currencies, plus crypto and metals.
Cells that fill as you spend
Each budget is a honeycomb cell that turns orange when it's nearly full and red when it's over, so you see trouble before payday.
Safe to spend, every morning
Repeating bills stay out of it, so the number counts only the money you can still choose to spend this month.
Milestones
A tidy hive, one cell at a time
Getting organized isn't one big weekend with a spreadsheet. It's a few small steps, and Ginkou marks each one as you reach it.
First cell
1 budgetPick the category that leaks most and give it a monthly amount. One cell is enough to start seeing where money goes.
Groceries: $480 a month, about $16 a day
A busy hive
5 budgetsFive budgets cover most day-to-day spending. From here, safe to spend today is a number you can trust.
$1,240 a month across five cells, about $41 a day
Meticulous
100 logsA hundred transactions logged, from statements or three taps. Patterns show up: the Friday takeout, the subscription you forgot.
100 logs, about a month of spending, down to the $4.50 coffee
A month of order
30 daysThirty days of checking in. Your budget stops being a plan you made once and becomes how you run your money.
$4,000 in, every cell inside budget, $800 saved
1 budget
First cell
Told with $4,000 a month of take-home pay.
Your budget counselor
Meet Bea. Keeper of the tidiest hive in the meadow.
A cheerful, super-organized bee who gives every coin a cell, keeps an eye on how full each one is, and talks to you the way you choose.
Bea
Bee“Every coin gets a cell.”
Runs the tidiest hive in the meadow. Loves a plan, a list, and the little buzz of a budget that balances.
How Bea talks to you
“”
- Every budget is a honeycomb cell that fills as you spend and turns orange when it's nearly full.
- A safe to spend today number each morning, from what's left in your cells and the days to go.
- Spots spikes early: "Eating out is up 30% on last month" before it turns into a habit.
Questions
Budgeting questions, honest answers
What is the 50/30/20 rule?
Split your take-home pay into 50% for needs (rent, bills, groceries, transport), 30% for wants (eating out, shopping, fun) and 20% for savings or extra debt payments. On $4,000 a month that's $2,000, $1,200 and $800. It's a starting point, not a law: in an expensive city needs often run higher.
What is a zero-based budget?
A budget where every unit of income gets a job until nothing is left to assign: income minus all your budgets equals zero. Savings counts as a job, so zero-based doesn't mean spending everything. It means nothing is left floating around unplanned.
What is envelope budgeting?
You put a set amount into an envelope for each category at the start of the month and spend only from it. When an envelope is empty, you stop or move money from another one. Ginkou keeps the envelopes digital, as cells that fill as you spend.
How much can I spend today?
Take what's left in your day-to-day budgets and divide it by the days left in the month, counting today. With $1,040 left and 19 days to go, that's about $55 a day. Rent, bills and savings are set aside first, so they aren't part of it.
Which budgeting method should I use?
Pick the one you'll stick with. 50/30/20 is the quickest to set up, zero-based gives the most control, and envelopes work well if you overspend in a few categories. Whichever you pick, Ginkou keeps it the same way: a monthly amount per category, filling as you spend.
Should I budget my salary or my take-home pay?
Your take-home pay, the amount that actually lands in your account after tax and deductions. Budgeting your gross salary makes every cell look bigger than the money you really have.
Can I budget in more than one currency?
Yes. Each account keeps its own currency, and spending in euros, pounds or anything else lands in the right budget, converted with fresh daily rates. For card payments abroad, log what your bank charged so your budget matches your statement.
Is Ginkou free? Is this financial advice?
It's free, with no ads and no premium tier, and your data stays on your device unless you choose to sync it. It isn't financial advice: Bea helps you see your own numbers and build habits, but for big decisions talk to a licensed professional.
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Give every coin a cell.
Free, private, and your first budget is ready in under three minutes.