Budget and goals
Your goal first, your spending second.
Ceres builds your budget by taking your savings goal and fixed costs off your income. Your goals are planned at today’s prices, and Ceres tells you when you’ll reach them with inflation counted in.
First full period free · No card required
How it works
- 01
Enter income and a goal
Set your period income and how much you want to save each period.
- 02
The budget builds itself
Your savings goal and fixed costs come off your income; what’s left is your spendable budget. Add category budgets if you like.
- 03
Plan your goal
A car, a home, a trip or an emergency fund: enter today’s price and a monthly amount, and Ceres works out when you’ll get there.
The details
Category budgets
Set separate limits for groceries, dining, transport and more, and get a heads-up as you approach one.
Count in inflation
One switch plans your goal against a price that grows with current inflation.
Down-payment goals
For a car, a home or land, pick the down-payment share and the plan targets that first.
Get there sooner
Change your monthly amount and see right away how the target date moves.
Questions, answered
How is the budget worked out?
Your savings goal and fixed costs (rent, fees, bills, installments, subscriptions) come off your period income first; what’s left is your spendable budget, split over the days left.
Can I have more than one goal?
Yes. Each goal has its own amount, monthly saving and estimated date, all in one list.
Is it free?
Yes. Budgets, category budgets and goals are in the Free plan.
More features
All features →- Income and spending, by periodYour payday starts a new period. Income and spending land in it, and the budget left is recalculated with every entry.See the feature →
- Your investments on one screenGold, currencies, stocks, funds and deposits valued at daily rates. See your portfolio total, mix and profit/loss.See the feature →
- Family budgetOne subscription for up to 4 people. A shared budget, shared goals, shared payments and who spends what, on one screen.See the feature →
- GuideHow to budget from payday to paydayBuild your budget around your payday instead of the calendar month: set fixed costs and savings aside first, split the rest across the days, then close the period and adjust.Read →