Can I afford this?
What is left to spend this month: what you planned, minus what you have spent, minus what is set aside for bills not yet paid.
Describes Valunto as of 28 October 2026
The short answer
The balance on a bank account answers a different question. It says what is there now, not what is still free once the rent, the phone bill and the insurance that fall later this month are paid. Most overspending is not a surprise purchase; it is spending the money a bill was waiting for.
One figure answers the real question: what you planned to spend this month, minus what you have already spent, minus what is still set aside for bills that have not been paid yet. That is left to spend. Divide it by the days left in the month and you know what today can cost. Money moved into savings is not spending, so it is kept apart, or the figure punishes you for saving.
If the figure goes below zero, it should say by how much, not hide it. Knowing you are over by a day's worth of spending is what lets you stop at a day's worth.
How Valunto does it
- Valunto works out what is left to spend this month from the spending you planned, minus what you have already spent, minus what is set aside for bills not yet paid. It shows the days left in the month and, once spending passes the plan, how far over it you are.
- Money moved into savings doesn't count as spending; it shows apart, as saved.
- Each person can read their personal budget or the household's.
- On the phone, Pulse opens on this figure, then shows the categories closest to their limit or over it, spending by group, income so far, and the bills still to pay. Without a plan for the month, it shows what has been spent so far.
- A transaction added with a bill's name marks the bill as paid on its own, and its amount stops being set aside.
Where to find it
- On the web
- Budget
- On the phone
- Pulse