Moduvo Budget Manager: A complete guide to financial tracking
From transactions to savings goals — everything you need to manage money in one place
Vít Bilinec
Founder & CEO · December 15, 2025 · 5 min read
Track your money without the spreadsheet chaos
Managing finances shouldn't require a PhD in Excel. Yet most of us end up with tangled spreadsheets, scattered receipts, and that nagging feeling we're missing something important.
What if there was a better way?
Moduvo's Budget Manager brings all your financial tracking into one unified interface with 8 specialized tabs. Whether you're tracking personal expenses, managing project budgets, or monitoring departmental spending, everything lives in one place.
What's inside: 8 tabs for complete financial control
Budget Manager is organized into 8 focused tabs, each designed for a specific aspect of financial management:
- Overview — Your financial dashboard at a glance
- Transactions — Record and manage every income, expense, and savings entry
- Budgets — Create budgets for any purpose with different currencies and periods
- Categories — Organize your finances with custom income and expense categories
- Allocations — Set spending limits per category with visual progress bars
- Recurring — Automate regular income and expenses on custom schedules
- Compare — Analyze spending across budgets or time periods
- Goals — Track savings targets with deadlines and progress visualization
Let's explore what each tab can do.
Overview tab: Your financial dashboard at a glance
The Overview tab is your command center for understanding financial health at a glance.
What you see:
- Budget selector — Switch between budgets from a dropdown
- Six metric cards — Budget, Spent, Income, Remaining, Savings, and Utilization percentage
- Spending by category — Interactive pie chart showing where money goes
- Income vs expenses over time — Bar chart visualizing cash flow trends
Key features:
- Remaining is calculated as Budget - Expenses + Income - Savings
- Utilization shows what percentage of budget is committed (spent + savings)
- PDF export generates professional multi-page branded reports
This single view answers "How am I doing?" without clicking through anything else.
Transactions tab: Record and manage every dollar
The Transactions tab is where the action happens — every income, expense, and savings entry lives here.
What you can do:
- Add transactions with amount, date, description, category, and type (income/expense/savings)
- Search transactions by description
- Filter by type (all, income, expense, savings) and category
- Sort by date, amount, or category
- Attach receipts and documents to any transaction
- Quick-preview attachments with the eye icon
Smart form behavior:
When you select "Savings" as the transaction type, the form automatically shows a goal selector instead of category selector — because savings transactions link directly to your savings goals.
Budgets tab: Create budgets for any purpose
Not all budgets are the same. The Budgets tab lets you create multiple budgets for different purposes.
What you can set:
- Name — Give each budget a clear purpose (Personal, Q4 Marketing, Client Project)
- Currency — USD, EUR, GBP, CZK, and more
- Budget amount — Your spending limit for the period
- Period type — Monthly or custom date ranges
- Notes — Add context or reminders
Budget cards show:
- Total budget amount
- Amount spent and remaining
- Utilization badge (color-coded by percentage used)
You can have as many budgets as you need, each with its own transactions and allocations.
Categories tab: Organize your finances your way
Categories are the backbone of useful financial tracking. Without them, transactions are just numbers.
What you can do:
- Create separate income and expense categories
- Assign colors for easy chart visualization
- Edit or delete categories (with confirmation)
How it works:
Categories filter automatically based on transaction type. When adding an expense, you only see expense categories. When adding income, you only see income categories.
Common expense categories: Rent, Utilities, Software, Marketing, Meals, Travel. Common income categories: Salary, Freelance, Consulting, Sales, Refunds.
Allocations tab: Set spending limits per category
Budgets set an overall limit. Allocations break that limit down by category.
What you can do:
- Set planned amounts for each expense category within a budget
- See visual progress bars showing actual vs. planned spending
- Get warning alerts when approaching or exceeding allocation limits
Why it matters:
Knowing you have €2,000 to spend this month is helpful. Knowing €500 is for software, €300 for meals, and €200 for marketing is actionable. Allocations turn vague budgets into specific spending plans.
Recurring tab: Automate regular transactions
Some transactions happen every month like clockwork — rent, salary, subscriptions. The Recurring tab handles them automatically.
What you can set up:
- Recurring income (salary, subscription revenue, rental income)
- Recurring expenses (rent, utilities, software subscriptions)
- Custom schedules (weekly, monthly, yearly)
- Start and end dates for time-limited recurring items
How it works:
Transactions are created automatically based on your schedule. No more forgetting to log your monthly rent or salary.
Compare tab: Analyze spending across periods
Understanding your finances means seeing patterns over time. The Compare tab offers two powerful comparison modes.
Budget vs budget
Compare two different budgets side-by-side. Perfect for:
- Comparing this month vs. last month
- Analyzing personal vs. business spending
- Reviewing multiple project budgets
Period vs period
Compare the same budget across different time periods. Perfect for:
- "Did I spend more in November or December?"
- Year-over-year analysis
- Quarterly spending trends
What you see:
- Category-level breakdown with amounts from each period
- Absolute change (€ difference)
- Percentage change with trend indicators (↑↓→)
- Color-coded rows (green for savings, red for increases)
- AI-generated Key Insights highlighting biggest changes
Quick presets:
- This Month vs Last Month
- This Quarter vs Last Quarter
- Year-over-Year
One click and you're comparing.
Goals tab: Track your savings targets
Saving money is easier when you have specific targets. The Goals tab turns abstract "I should save more" into concrete, trackable objectives.
What you can create:
- Goal name and description
- Target amount and currency
- Deadline for achieving the goal
- Icon and color for personalization
What you see:
- Progress bar showing current vs. target
- Percentage complete
- Days remaining until deadline
- Contribution history
How goals and savings connect:
When you create a savings transaction and link it to a goal, a contribution is automatically recorded. The goal progress updates in real-time. This creates a direct connection between your daily saving actions and your long-term targets.
Goal completion:
When you reach 100%, the module celebrates with you. Because hitting savings goals deserves recognition.
Bank statement import: AI-powered transaction extraction
Manually entering transactions is tedious. Bank statement import uses AI to do the heavy lifting.
How it works:
- Upload a PDF bank statement
- AI parses and extracts transaction data (10 credits per import)
- Review extracted transactions in a preview table
- Edit dates, amounts, descriptions, and categories as needed
- Bulk import all transactions to your selected budget
Smart categorization:
The AI suggests categories based on merchant names and your existing category patterns. You always have final control before importing.
Multiple currencies:
Transactions retain their original currency from the bank statement. No forced conversion.
Budget sharing: Collaborate on finances
Some budgets aren't solo projects. The Budget Sharing feature lets you collaborate with team members.
What you can do:
- Share budgets with workspace members
- Collaborators can view and add transactions
- Shared budgets appear in their Budget Manager
Perfect for:
- Department budgets where multiple people incur expenses
- Project budgets with team members
- Family finances with shared visibility
Who should use Budget Manager?
Budget Manager is designed for anyone who needs financial visibility without enterprise complexity.
Freelancers and solopreneurs:
Track project income, business expenses, and personal finances in separate budgets. Know exactly where money goes.
Small business owners:
Monitor cash flow, set department budgets, and analyze spending patterns. Export PDF reports for stakeholders.
Teams:
Share budgets across team members. Let everyone log expenses while maintaining central visibility.
Project managers:
Create project-specific budgets with allocations. Track spending against plan. Compare projects side-by-side.
Anyone tired of spreadsheets:
If you've ever lost track of a receipt, miscalculated a budget, or wondered where money went — Budget Manager brings order to the chaos.
Getting started
Budget Manager is available in your Moduvo workspace. Simply activate the module from the Module Hub and start creating your first budget.
The 8-tab structure means you can start simple (just budgets and transactions) and grow into advanced features (allocations, recurring, goals) as your needs evolve.
Your finances, finally under control.
