Plan every payment. Stay ahead with a budget planner.
Create a plan with its own currency and dates, list the payments you know are coming, and see at a glance what’s overdue, due this week, and still ahead. When you actually pay, mark it off and it’s logged as a real expense — so planned and actual stay in step.
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Split The Bill’s budget planner is a Pro spending planner that helps you plan upcoming payments and keep planned spending in step with what you actually pay. You create a plan — with its own currency and, if you like, a start and end date — then list the payments you know are coming, each with an amount, a category, and a due date. The app sorts them into what’s overdue, due this week, and upcoming, and shows planned, paid, and remaining totals for every currency in the plan. When a payment comes due you mark it paid, confirm the real amount and date, and it’s recorded as a genuine expense — so the plan doubles as a dated payment tracker and an honest record of your spending.
How it works
- 1
Start a plan
Give it a name — “August budget”, “Kitchen renovation”, “Japan trip” — pick a currency, and set a start and end date if it runs to a schedule. A plan is just a bucket for the payments you want to keep on top of.
- 2
Add the payments you know are coming
List each planned payment with an amount, a category, and the date it’s due. Rent on the 1st, the deposit next Friday, the flights in March — add as many as you like, dated or undated.
- 3
See what’s overdue, due this week, and upcoming
Your payments are sorted into buckets automatically — overdue in red, due this week in amber, upcoming after that, plus anything undated. You always know what needs paying next without scanning a list.
- 4
Watch planned vs paid per currency
Every plan shows planned, paid, and remaining totals — kept separate per currency so a euro deposit and a dollar flight never get muddled. A progress bar shows how much of the plan is already covered.
- 5
Mark a payment paid
When you actually pay, tap the payment and confirm the real amount, date, and category — prefilled from the plan but editable, because the real spend often differs. It’s recorded as a real personal expense, and you can undo it if you tapped too soon.
Everything you need to plan spending
Dated payments, bucketed for you
Give each payment a due date and it drops into overdue, due-this-week, or upcoming automatically. Undated payments sit in their own bucket so nothing is lost.
Planned vs actual, side by side
See planned, paid, and remaining for the whole plan at a glance, with a progress bar. You know exactly how much of the budget you’ve already spent and how much is still to come.
Per-currency totals that never mix
Plan in one currency and add payments in others — each currency keeps its own planned, paid, and remaining figures, so a plan with euros and dollars stays clear instead of collapsing into one wrong number.
Mark-paid logs a real expense
Confirming a payment as paid records a real personal expense at the amount and date you actually paid — not the estimate — so your spending history reflects what really happened.
Edit the amount when reality differs
Estimated €400 for the flights but paid €372? Change it on the way in. The recorded expense uses the real figure, and the plan’s remaining total updates to match.
Run several plans at once
Keep a monthly household budget, a renovation project, and a holiday fund going side by side. Each is its own plan with its own dates and currency, and archived plans stay out of your way.
Undo without the fuss
Marked something paid by mistake? Undo reverses it and removes the recorded expense in one tap — no digging through your bills to unpick it.
Get ahead of your next payment
Create a free account to get started. Spending plans come with Pro; the free plan includes 2 budgets and 3 recurring bills.
Start planningSpending plans are part of Pro — $7/month or $70/year. No card required to sign up.
What people plan with it
A monthly household budget
A plan for the month with rent at $1,450 on the 1st, broadband at $60 on the 8th, and a $110 mobile bill on the 20th. See at a glance that $1,510 is due this week, mark each one paid as it goes out, and watch the remaining $110 count down to zero.
A renovation project
A kitchen refit budgeted at €8,000: a €2,000 deposit now, €4,000 on delivery, and €2,000 on completion. Track which stages are paid and which are still upcoming, and when the fitter’s invoice comes in at €4,120, log the real figure so the plan reflects the true cost.
Saving for a holiday
A two-week trip planned across currencies — £900 flights, €1,200 hotels, and ¥60,000 spending money. Each currency keeps its own planned and paid totals, so you can see exactly how much of each pot is still to save without pretending they’re all pounds.
A big planned purchase
Buying a $2,400 laptop in three instalments of $800. Add all three with their due dates, mark each one paid when it clears, and the progress bar shows you two-thirds of the way there without any mental arithmetic.
Annual and irregular bills
A plan for the once-a-year costs that always catch you out — $320 car insurance in April, a $99 domain renewal in June, $180 for the accountant in October. Dated and dropped into upcoming, so the annual hit stops being a surprise.
Why it beats a spreadsheet
Nothing sneaks up on you
Overdue and due-this-week payments are surfaced automatically, so the rent or the deposit you meant to pay is in front of you instead of buried in a list of dates.
Planned and actual never drift apart
Marking a payment paid records the real expense, so you’re not maintaining a plan in one place and your spending in another. They stay one and the same.
Currencies stay honest
A plan that mixes euros, dollars, and yen keeps each one separate. You never get a meaningless combined figure that hides how much you actually owe in each.
Estimates become real numbers
You budget with a guess and confirm with the truth. Over time the plan holds what things really cost, not what you hoped they would.
One place for every plan
Your monthly budget, a renovation, and a holiday fund all live together, each with its own dates and currency. Archive the ones you’ve finished and the list stays tidy.
Planning spending: a spreadsheet vs. the app
Most people plan upcoming payments in a spreadsheet or a notes app, then guess at what’s actually been paid. Here’s what changes when the plan tracks itself.
| Planning spending: a spreadsheet vs. the app | ✗ | ✓ |
|---|---|---|
| Knowing what to pay next | Scroll a list of dates and work out in your head which ones have already passed. | Payments are bucketed into overdue, due this week, and upcoming automatically, so the next thing to pay is obvious. |
| Planned vs actual spending | Keep the plan in one tab and your real spending in another, and hope they match. | Marking a payment paid logs a real expense, so planned and actual are always the same record. |
| When the real amount differs | Overwrite the estimate and lose track of what you originally budgeted. | Confirm the real amount on pay; the plan keeps the estimate and records what you truly spent. |
| Multiple currencies | Convert everything to one currency by hand and end up with a figure that’s always a bit wrong. | Each currency in the plan keeps its own planned, paid, and remaining totals — no forced conversion. |
| Running several budgets | One giant sheet, or a scatter of files you forget to open. | Each budget is its own plan with its own dates and currency, and finished ones archive out of the way. |
Frequently asked questions
- What is the budget planner?
- It’s a spending planner for the payments you know are coming, included with Pro. You create a plan, list dated payments with amounts and categories, and the app sorts them into overdue, due this week, and upcoming while tracking planned, paid, and remaining totals per currency.
- Can I run several budgets at once?
- Yes. You can keep as many plans going as you like — a monthly household budget, a renovation project, a holiday fund — each with its own name, currency, and dates. Plans you’ve finished can be archived so your list stays focused on what’s active.
- Does marking a payment paid create an expense?
- Yes. When you mark a planned payment paid, you confirm the real amount, date, and category, and it’s recorded as a real personal expense. That keeps your planned spending and your actual spending in a single, accurate record.
- What if I paid a different amount than I planned?
- That’s expected. The pay confirmation is prefilled from the plan but fully editable, so you enter what you actually paid. The recorded expense uses the real figure and the plan’s remaining total updates to match.
- Can I plan in multiple currencies?
- Yes. A plan has a main currency, but you can add payments in other currencies too. Each currency keeps its own planned, paid, and remaining totals so nothing gets mixed into a single misleading number.
- How does it decide what’s overdue or due this week?
- Each payment’s due date is compared to today. Anything before today is overdue, anything within the next seven days is due this week, and later dates are upcoming. Payments without a date sit in their own bucket so they’re never lost.
- Do I have to give every payment a due date?
- No. Dates are optional. Dated payments get bucketed into overdue, due this week, or upcoming; undated payments are grouped separately so you can still budget for costs you can’t pin to a day yet.
- Can I undo a payment I marked paid by mistake?
- Yes. Undo reverses the payment and removes the expense it recorded in one tap, so an accidental tap is easy to put right without hunting through your bills.
- Is the budget planner free?
- Spending plans are a Pro feature ($7/month or $70/year). The free plan includes 2 budgets and 3 recurring bills, so you can track shared spending before you upgrade. No card is required to get started.
