Plan for Upcoming Bills
What you've spent so far is only half the story: rent, subscriptions and utilities are still to come. UnderBudget uses your recurring rules to work out which bills are still expected this month and what they should cost, and builds them into your budget bars, your pace and your everyday-spending chart.
- 1
Read the striped part of a budget bar
Every spending-vs-budget bar (Home, the Budgets page, the monthly dashboard's By category view and the iPhone widget) has up to three parts: the solid fill is what you've spent, the striped part after it is what your recurring bills are still expected to cost this month, and the rest is what's free to spend. Hover over (or tap) the stripes to see the amount.
The stripes shrink as each bill is charged. A bill past its due date with no charge yet shows in amber, and so does the whole striped part if your bills would take you over budget.
Past the budget, the bar stretches to the whole amount and a thin line marks where the budget ended: $200 spent of $100 puts the line halfway along.
- 2
See which bills they are
On Home and the Budgets page, tap bills to come under the bar for the list: each bill, its date and what it should cost. On the monthly dashboard, Recurring bills shows how many bills are active and what's still to come; open it for the list, where you can also Pause one you've cancelled (and Resume it later).
What a bill should cost is its rule's Expected cost: the average of its last 3 charges, or an amount you've fixed.
- 3
Understand bill-aware pace
On pace compares what you've spent with what you'd expect by today. That expectation counts each bill on the day it's due, plus an even share of the rest of your budget. So rent on the 1st doesn't make you look ahead of pace for the rest of the month.
Per day is what's left once your bills to come are set aside, divided by the days left in the month: what you can spend on everything else each day and still finish on budget.
- 4
Read the everyday-spending chart
On the monthly dashboard, the Everyday spending view (use the arrows, or swipe on a phone) leaves your recurring bills out, so you can see how everyday spending (groceries, eating out, shopping) is going on its own.
- Its budget is your monthly budget minus your recurring bills, both charged and still to come. The headline is what's left of that.
- The filled line is your running everyday spending. The dashed line is an even pace from $0 to that budget by the end of the month.
- Today's point says how far under or over the even pace you are, and its color matches the pace badge.
- Refunds count, but the line never drops below $0. Month end is where you'll finish at today's rate.
These numbers are only as good as your rules. A bill without a rule isn't expected, so it can't show up as still to come. Keep Rules → Recurring → Needs a rule clear, and pause rules for anything you've cancelled.