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Budgets

Budgets help control spending by setting limits for different expense categories.

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Creating a budget

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Quick creation

1. Home screen → Budgets section → Create budget
2. Select category (e.g., “Food & Dining”)
3. Set amount (e.g., 20000 RUB)
4. Choose period (Monthly)
5. Tap Create

⏱️ Time: 10 seconds

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Detailed setup

Step 1: Basic parameters

• Name - automatically from category or custom
• Categories - one or multiple
• Amount - monthly limit
• Period - how often it resets

Step 2: Budget period Step 3: Additional settings Rollover (Carry over balance):

• ✅ Enabled - unused balance carries over to next period
• ❌ Disabled - each period starts from zero

Rollover example:

• Budget: 10000 RUB/month
• Spent: 8000 RUB
• Remaining: 2000 RUB
• With rollover: next month = 12000 RUB (10000 + 2000)
• Without rollover: next month = 10000 RUB

Warning threshold:

• Default: 80%
• When you reach threshold → get notification
• Can change: 50%, 70%, 90%

Already spent:

• If creating budget not from start of period
• Specify how much already spent
• Thrust will account for it when calculating remaining

Step 4: Save Tap Create - budget appears on home screen

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Budget types

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Category budget

Most common type Controls spending in one category:

• Food & Dining: 20000 RUB/month
• Transportation: 5000 RUB/month
• Entertainment: 10000 RUB/month

How to create:

1. Select one category
2. Set limit
3. Done

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Multi-category budget

For combining similar expenses Example: “Home” = Rent + Utilities + Repairs How to create:

1. When creating budget tap Add category
2. Select all needed categories
3. Set total limit
4. Thrust will sum expenses across all categories

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Overall budget

Limit on all expenses Controls total spending for period. How to create:

1. Create budget
2. Don’t select categories (leave “All categories”)
3. Set total limit (e.g., 50000 RUB/month)
4. Thrust will count all expenses

When to use:

• Strict control of all spending
• Living on fixed budget
• Saving money

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Account budget

Limit for specific account Example: Credit card - don’t spend more than 30000 RUB/month How to create:

1. Create budget
2. In additional settings select Account
3. Choose needed account
4. Set limit

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Tracking budget

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Budget card

On home screen each budget shows: Header:

• Name/category
• Category icon

Progress:

• Spent - how much used
• Remaining - how much can still spend
• Progress bar - visual indicator

Additional:

• Days left until end of period
• Average spending per day
• Forecast (will you stay within budget)

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Color indicators

Thrust uses colors for quick assessment:

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Budget details

Tap on budget card for details: Spending chart:

• Spending by days of period
• Budget line (even distribution)
• Your spending line
• See where you exceeded norm

Statistics:

• Total amount spent
• Average spending per day
• Most expensive day
• Largest transaction

Transactions:

• All transactions for this budget
• Sorted by date
• Can edit/delete

Forecast:

• Will you stay within budget
• Recommended daily limit
• How much can spend until end of period

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Notifications

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Notification types

Threshold warning:

• When reached 80% (or your threshold)
• “You spent 16000 of 20000 RUB on food”

Budget exceeded:

• When exceeded 100%
• “You exceeded food budget by 2000 RUB”

New period:

• When new period starts
• “New month! Your food budget reset: 20000 RUB”

Overspending forecast:

• Week before end of period
• “You’re spending too fast. Risk exceeding budget by 3000 RUB”

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Notification settings

Enable/disable:

1. Settings → Notifications → Budgets
2. Toggle needed types:
   • ☑️ Threshold warning
   • ☑️ Budget exceeded
   • ☑️ New period
   • ☑️ Overspending forecast

Change threshold:

1. Open budget
2. Edit
3. Change Warning threshold
4. Save

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Managing budgets

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Editing

How to edit:

1. Open budget
2. Tap Edit (pencil icon)
3. Change:
   • Amount
   • Categories
   • Period
   • Rollover settings
   • Warning threshold
4. Save

Changing amount mid-period: If you changed budget amount:

• New amount applies immediately
• Already spent doesn’t change
• Remaining recalculates

Example:

• Was: 20000 RUB, spent 15000 RUB, remaining 5000 RUB
• Changed to: 25000 RUB
• Became: 25000 RUB, spent 15000 RUB, remaining 10000 RUB

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Pausing

Temporarily disable budget:

1. Open budget
2. ⋯ → Pause
3. Budget hides, but data is saved

Resume:

1. Settings → Budgets → Show paused
2. Select budget
3. Resume

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Deleting

How to delete:

1. Open budget
2. ⋯ → Delete
3. Confirm deletion

Alternative: Pause instead of deleting

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Duplicating

Create similar budget:

1. Open budget
2. ⋯ → Duplicate
3. Thrust creates copy
4. Change what’s needed
5. Save

When to use:

• Create budget for another period
• Create similar budget for another category

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Budget analysis

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Period comparison

How to compare:

1. Open budget
2. Scroll to Period comparison
3. You’ll see:
   • Current period vs previous
   • Change in percentage
   • Trend (rising/falling)

Example:

• This month: 18000 RUB
• Last month: 22000 RUB
• Change: -18% (↓ saving!)

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All budgets report

Overall picture:

1. Settings → Budgets → Report
2. You’ll see:
   • All active budgets
   • Overall progress
   • Which budgets are on track
   • Which are exceeded
   • Total savings/overspending

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Data export

Export budget history:

1. Open budget
2. ⋯ → Export
3. Choose format (CSV or PDF)
4. Select period
5. Export

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Budgeting tips

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How to set the right amount

Method 1: Based on history

1. Look at spending for last 3 months
2. Trends tab → Expenses by categories
3. Take average value
4. Add 10-20% buffer

Method 2: 50/30/20 rule Distribute income:

• 50% - necessities (housing, food, transport)
• 30% - wants (entertainment, hobbies)
• 20% - savings and debt

Method 3: Ask AI CFO

1. Open CFO
2. Ask: “What budget should I set for food?”
3. AI will analyze your history and give recommendation

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Budgeting strategies

Conservative (strict):

• Set budget 20% below current spending
• Forces saving
• Hard to stick to

Realistic (recommended):

• Budget = average spending for 3 months
• Easy to stick to
• Gradually reduce

Liberal (soft):

• Budget 20% above current spending
• Easy to stay within
• Doesn’t encourage saving

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Common mistakes

❌ Too strict budget

• Impossible to stick to
• Demotivating
• Solution: Increase by 20%

❌ Not accounting for irregular expenses

• Forgot about birthdays, repairs
• Budget constantly exceeded
• Solution: Add “Unexpected” category 10% of income

❌ Too many categories

• Hard to track
• Confusing
• Solution: Start with 5-7 main categories

❌ Not checking regularly

• Learn about overspending too late
• Solution: Check every 2-3 days

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Best practices

✅ Start with main categories:

1. Food (groceries + restaurants)
2. Transportation
3. Housing (rent + utilities)
4. Entertainment
5. Personal

✅ Use rollover for irregular expenses:

• Clothing (not every month)
• Gifts (seasonal)
• Repairs (rare)

✅ Check budgets regularly:

• Morning - quick glance
• Every 3 days - detailed analysis
• End of month - full review

✅ Adjust as you go:

• First 2-3 months - experiment
• Find comfortable amounts
• Don’t be afraid to change

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Family budgets

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Creating shared budget

For joint spending control:

1. Create budget as usual
2. Tap Share
3. Select family members
4. Set permissions:
   • View - only view
   • Participate - their spending counts
   • Manage - can edit budget

Example: Family budget “Groceries” 40000 RUB/month:

• You and spouse - Manage
• Children - Participate
• All grocery spending is summed

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Individual limits

Set limit for family member:

1. Open shared budget
2. Manage access
3. Select family member
4. Set Personal limit

Example: Overall budget “Entertainment” 20000 RUB:

• Child 1: limit 5000 RUB
• Child 2: limit 5000 RUB
• Parents: remaining (10000 RUB)

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Smart budget suggestions

Thrust analyzes your spending patterns and suggests budgets for categories where you don’t have one yet.

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How suggestions work

Thrust looks at your last 6 months of expenses and considers:

• Recent spending (last 30 days) — how much you actually spent
• 3-month average — smooths out anomalies and one-time spikes
• Spending trend — whether your spending is rising or falling

The recommended limit includes a small safety buffer so you don’t exceed the budget from normal spending fluctuations.

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Where to find suggestions

On the Dashboard:

• A capsule at the top shows the top suggestion (e.g., “Groceries · 350.00 EUR”)
• Arrow up (↑) means spending is rising, arrow down (↓) means it’s falling
• Tap the capsule to see all suggestions

On the Budgets screen:

• Scroll to Suggested Budgets section
• Each card shows:
  • Category name and icon
  • Spent in last 30 days
  • Recommended limit
  • Spending trend description
• Tap Create to instantly create a budget with the suggested limit
• Tap ✕ to dismiss a suggestion you don’t need

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Creating budget from suggestion

1. Go to Budgets (or tap the suggestion capsule on Dashboard)
2. Find the suggestion card for the category you want
3. Tap Create
4. Budget is created with the recommended limit (you can edit it later)

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Integration with goals

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Automatic balance saving

Save unused budget to goal:

1. Create savings goal
2. Open goal → Automation
3. Add trigger End of month
4. Select Save budget balance
5. Choose budget(s)

How it works:

• End of month: budget 20000 RUB, spent 17000 RUB
• Balance 3000 RUB automatically transfers to goal
• New month starts with 20000 RUB

Motivation: The less you spend → the more you save!

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Frequently asked questions

Q: Can I have multiple budgets for one category? A: No, one category = one budget. But you can create budget for subcategories separately. Q: What if I exceeded budget? A: Thrust will show overspending in red and send notification. This doesn’t block spending, just informs you. Q: How are transfers between accounts counted? A: Transfers are not counted in budgets, only expenses and income. Q: Can I set weekly limit within monthly budget? A: No direct function, but create separate weekly budget for same category for additional control. Q: How does rollover work when exceeded? A: If you exceeded by 2000 RUB, next period will start with minus 2000 RUB (budget will decrease).

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Next steps