ūrṇā — visual budget

ūrṇā

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ūrṇā

you already know what matters. this just holds it.

Welcome to urna · budget

Three steps to your first budget. Add your income up top. Add buckets to group your bills, like Home, Car, or Everyday. Then add bills inside each bucket with what's due and when. Your plan saves on your own device and backs up to your own Google Drive. Free, offered as-is, with no financial advice.

Monthly Money In

Remaining $0

Allocated $0

Timeline

Your bill calendar. Every bill shows up here on its due date. Mark bills paid as they clear, skip ones that don't apply this period, and use the arrows to move between periods. Timeline doesn't change your budget. It just tracks what's been paid.

Now

Paycheck

For getting through a tight month. Add your paychecks up top, then assign each bill to the check that will cover it. Treat it like scratch paper: clear it and rework it whenever you need. Nothing here changes your budget or marks anything paid.

Paycheck Visualizer

Scratch paper for a tight month. Clear it and rework it as often as you need. It doesn't affect your plan or timeline.

Overview

Your bills sorted by type. Fixed is what's set in stone, variable moves month to month, optional is what has give, and sinking is what you set aside for later bills. Set a bill's type in its detailed view and it lands in the right box here. Anything untagged waits in Untyped.

Sinking Funds

For the big bills that come once or twice a year. Make a fund, set a little aside each month, and take from it when the bill lands. Every in and out is kept in a dated list, so you can see how the pot got where it is.

Savings

A quiet place for your account balances. Add each account and update it whenever you check it. Nothing here connects to a bank or moves money. It's just so you can see it all in one place.

Debts

The whole picture of what you owe. Mark a bill as a debt in its detailed view and it shows here with balance, rate, and minimum payment. You can also add debts that aren't in your plan.

Settings

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Appearance

Dark Mode

Easier on the eyes in low light.

Page intros

Bring back the little explanation box at the top of every page. Dismiss any of them again with their ×.

Timeline Preferences

Default Due Day

Bills without a due date will appear on this day each month. (if you choose the 29th or 30th, February will use the 28th instead)

Upcoming Window

Bills due within this many days will be flagged as "soon" in your timeline.

days

Overdue Lookback

How many days back the timeline shows unpaid bills when overdue items exist.

days

Automatic Drafts Marked as Paid

Automatically mark autopay bills as paid when their due date arrives.

Savings Tab

Shows a simple savings tracker tab. You don't need to turn this on until you're ready — it's here when you are.

Sinking Funds

Adds a Sinking Funds tab for the across-month pots a monthly budget can't hold. Turn it on when you're ready.

Debts

Adds a Debts tab to track balances, APRs, and minimum payments, including debts that aren't in your plan.

Account

Profile & Login

Your sign-in and account.

›

Export Budget

Download your budget as an Excel file, or save a visual snapshot as a PDF.

urna is free and offered as-is, with no warranty. it helps you organize your own bills and budget and does not provide financial advice. keep your own backups.