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  3. Budget vs actual Tracker

This tracker covers a sensitive category. Unhide is pattern-insight for self-improvement — never diagnosis, treatment, or medical advice. You'll be asked to confirm you understand this before your first entry.

Budget vs actual Tracker
Wellness

What is your spending actually doing?

Set a monthly budget per category, log what actually goes out, and after 30 days our AI shows you which categories run over, which run under, when the variance hits, and how the spending pattern is sitting with you — without ever telling you what to spend.

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20 seconds per transaction, 90 seconds for the weekly rollup, 2 minutes for the monthly budget setupAI insight at 30 daysFree to startComing soon
Your budget vs actual
7.2/ 10 avg
Last 30 days
W1W2W3W4
+0.4 vs last month
This week
M
T
W
T
F
S
S
Your streak
9days
AI insight preview

"Across 30 days you logged 47 transactions across 9 categories and completed 4 weekly rollups. Groceries ran 12-18% over budget in 3 of 4 weeks — a consistent p…

Based on 31 entries · free at 30 days · only you see this
Only you see your data
No one else — not even the team — can read your entries
Export or delete anytime
One click. Full CSV export. Account deletion is instant.
AES-256 encrypted at rest
Your entries are encrypted before they're stored. Always.
What it tracks

6 fields. Done in 20 seconds per transaction, 90 seconds for the weekly rollup, 2 minutes for the monthly budget setup.

Fast enough to fit into any routine, specific enough to generate real patterns after 30 days.

How much do you want to budget for this category this month?
number
What kind of category is this?
single select
Your own label for this category (optional alias)
short text
How much went out on this transaction?
number
When did this transaction happen?
date
How did you pay?
single select
How it works

Log, build, learn.

01

Log in 20 seconds per transaction, 90 seconds for the weekly rollup, 2 minutes for the monthly budget setup

One entry. A few taps. The fields are designed so you never have to think about what to fill in.

02

Build your dataset

Miss a day? Optional email nudge. AI needs 30 entries to find patterns worth reading.

03

First insight free

AI analysis at 30 entries. Your factors, your dates, your correlations — not a generic article.

What you'll learn

7 things Budget vs actual reveals about you.

  • Which categories run over month after month — in variance percentages and band terms
  • Which categories you chronically over-budget for — the planning-friction signal
  • When in the month the variance hits — early-month frontloading, late-month top-ups
  • The trajectory of your subscription count and recurring total — without anyone telling you to cancel anything
  • Whether the pressured-spend weeks carry measurably higher anxiety than the unpressured ones
  • The gap between your stated budget and your historical actual — the budget-realism reading
  • The cash-vs-card split, if you log payment methods consistently
Sample AI insight

Here's what arrives at 30 days.

Illustrative — your analysis uses your own data.

What AI analysis reveals
Your budget vs actual pattern

Your budget vs actual patterns show a clear weekly cycle. AI finds the specific factors affecting your scores — after 30 days, your data tells the story.

Your averages
7.2/10
vs 8.4 on your best days

"Across 30 days you logged 47 transactions across 9 categories and completed 4 weekly rollups. Groceries ran 12-18% over

Your best runs
May 4–6 · avg 8.4
Consistent routine · early start
May 13–16 · avg 8.1
Low stress · good preparation
May 23–25 · avg 7.9
Same pattern · 3 times
Pattern confirmed
Who's tracking Budget vs actual

People watching their own patterns.

The household running close to the wire. The individual on a fixed income watching every category. The debt-aware spender tracking every transaction. The parent juggling categories to cover the month. The person who has tried a dozen budgeting apps and kept bouncing off because they kept being told what to cut. The person who already knows roughly where the money goes but never sees the pattern across the months. This is for the person who wants a mirror, not a plan. Who is not looking for advice on which subscription to cancel, which meal to cook, or which category to trim. Who wants one place that holds the variance without judging it, and shows them how the spending is sitting with them as the month moves. This is not a budgeting tool. It is not a financial planner. It does not tell you what to spend, what to cut, or what to cancel. It is a mirror for what your spending is actually doing.

FAQs

Common questions

Is the Budget vs actual tracker medical or diagnostic?

No. Unhide is pattern-insight for self-improvement — not diagnosis, treatment, or medical advice. The AI is explicitly prompted to avoid clinician language. If something concerns you, please talk to your GP.

Does the AI see my entries?

Only when an analysis runs — triggered in-app or delivered to your email. Either way, only your logged data and history is sent, never your personal information. Your data is never used to train any AI model. Full detail in the privacy policy.

What if I miss a day or two?

No streak guilt. Your insights stay accurate; the chart just has fewer dots. The AI explicitly works around gaps in your data instead of pretending they're zeros.

When is my first AI insight free?

At 30 days of entries, and again at 180 days, on every free tracker. Free plan includes 2 trackers — upgrade for monthly or weekly AI runs.

Can I delete everything?

Yes, anytime, no questions asked. Delete a single entry, a whole tracker, or the entire account. Deletion cascades through analyses and exports.

Free forever · Plus £7.99/mo · Pro £17.99/mo

Coming Soon

Be first when Budget vs actual launches

We'll email you as soon as this tracker goes live.

Be first when Budget vs actual launches

No spam. One email when it's live.