Make a budget you actually keep.
A budget only works if you stick to it. Daiku shows how much you have left to spend in real time, so you reach the end of the month with no surprises.
Free forever · No card
63% of the month · 12 days left
Why it matters
The difference between spending and deciding
Know your real spendable
It's not how much is in your account — it's how much you can spend without eating into your rent or your savings. Daiku tells you.
Stop before you overspend
Seeing your spending in real time makes you pause in time — not at the end of the month, when it's already done.
Send your money where it matters
A budget is deciding on purpose. Set a limit per category and your money goes exactly where you want it.
Reach the end of the month calm
No more anxiety about whether you'll make it. Your budget gives you a clear picture, every single day.
Rent, food, utilities
Going out, hobbies, subscriptions
Your future, first
Not sure where to start? Use the 50/30/20
It's the simplest way to build a budget: split your income into three buckets. Daiku shows how you're actually splitting it and how close you are to each goal.
- 50% needs — rent, food, utilities
- 30% wants — going out, hobbies, subscriptions
- 20% savings — your future, first
- Daiku compares your real split with the ideal
How it works
Your budget in three steps
Set your limits
Put a cap on each category: food, transportation, going out. Daiku suggests starting points.
Track your spending
Log every expense (or add it via WhatsApp). Daiku subtracts it from your budget instantly.
Watch your spendable
See how much is left in each category and overall, day by day. Adjust whenever you need to.
FAQ
Frequently asked questions
How do I make a budget?
Start with your income, subtract your fixed expenses (rent, utilities), and split the rest into categories, each with a cap. Daiku builds that structure for you and shows how much is left to spend as you log expenses.
What is the 50/30/20 rule?
It's a simple way to split your income: 50% to needs, 30% to wants, and 20% to savings and investing. It's a great starting point if you don't know where to begin your budget.
How much should I save each month?
The 50/30/20 rule suggests 20%, but what matters is that it's sustainable. Daiku calculates your real savings rate so you can see where you stand and raise it little by little.
What is "free to spend"?
It's what you have left to spend freely after covering your fixed expenses and your savings for the month. Daiku calculates it and updates it with every expense, so you always know how much is left.
Is it free?
Yes. Building budgets, setting limits per category, and tracking your spendable is free forever in Daiku. Net worth and AI features are part of Daiku Pro, with a 14-day trial, no card.