HOW IT WORKS
Budgeting in 3 Simple Steps
How Numza keeps your monthly spending and future bill savings on track.
Step 01
Set Monthly Spending Caps
Define an overall monthly budget or target specific categories and category groups (like Dining & Coffee).
Step 02
Build Sinking Funds Coming soon
Add target amounts and target dates for large annual bills to calculate recommended monthly deposits.
Step 03
Track Pace & Get Alerts
Monitor visual progress bars in real-time and receive alerts at 80% and 100% threshold limits.
MATHEMATICAL PRECISION
Designed for Accuracy & Speed
FAQ
Frequently Asked Questions
How do sinking funds calculate monthly deposits?
Numza divides your remaining target balance by the months left until your target date. When you record a payment (drawdown), the required monthly deposit adjusts smoothly for the remaining balance without resetting your saved history.
What is the difference between a category budget and a category-group budget?
A single-category budget tracks one specific category (e.g. Groceries). A category-group budget lets you group multiple related categories (e.g. Restaurants, Coffee Shops, and Bars) under a single shared limit.
When do budget alerts trigger?
Alerts trigger locally as soon as a logged expense pushes your monthly spend past 80%, 100%, or over-budget. You can customize alert check frequencies in Settings.
Can I set budgets in different currencies?
Numza supports 19 major currencies. You can set budget limits in your primary account currency, and multi-currency expenses log against your active budget structure.