Guide
Budgeting app with investment tracking
Budget Base lets you budget everyday money and track investment accounts in the same product. Transfers, value snapshots, cash flow, and gain or loss stay visible without turning investments into regular spending.
Most budget apps treat money sent to investments like it left the story. That can be enough for a spending report, but it is incomplete if you want to know where the money went.
Budget Base handles investments as a separate account type. You can move money from a budget account to an investment account, enter value snapshots over time, and compare what you contributed with the latest value you recorded.
This is account-level tracking, not portfolio management. Budget Base does not connect to brokerages, follow tickers, calculate asset allocation, or give investment advice.
How investments fit the budget
A monthly budget should show what your current money needs to do. When you invest, some of that money leaves the spending plan and moves into an account with market risk.
Budget Base records that move as a transfer. The budget stays focused on spendable money, while the investment account remains visible in the same product.
- Transfer money from checking or savings into an investment account.
- Keep investment value changes out of everyday spending categories.
- See where invested money went without treating it like groceries, rent, or subscriptions.
What Budget Base tracks
Budget Base tracks investment accounts, transfers, valuation dates, account values, cash flow, market value, and gain or loss based on the numbers you enter.
It does not track individual holdings, dividends, ticker prices, asset allocation, or tax lots. If you need that level of detail, a brokerage or portfolio tracker is still the right place for it.
Common scenarios
You can record a monthly ETF contribution, a transfer to a retirement account, a new account value after checking your brokerage, or money moving back from an investment account to checking.
The point is not to replace portfolio analysis. The point is to keep the budget honest while keeping investment cash flow close enough to understand.
Who this is for
This fits people who want zero-based budgeting and a lightweight view of investment accounts without running a separate spreadsheet for every transfer.
It is not for people who need automatic brokerage sync, ticker-level performance, dividend tracking, or investment recommendations.
Frequently asked questions
Can Budget Base sync with my brokerage?
No. Investment tracking is based on the transfers and account values you enter.
Does Budget Base give investment advice?
No. Budget Base is budgeting software. It does not recommend what to buy, sell, or hold.
How are gains and losses calculated?
Budget Base compares cash flow with the latest market value you entered for the investment account.
Do investment gains affect my spending categories?
No. Investment value changes stay separate from monthly spending categories, so market movement does not distort the budget.
Budget with investments in view
Create a free beta account and track investment transfers alongside your zero-based budget.
Create Free Beta Account