6 Jars Finance

6 Jars Finance helps you allocate your income between everyday expenses, savings, and other financial priorities before you start spending.

Use the 6 Jars method, the 50/30/20 rule, the envelope system, or create your own allocation system.

Instead of seeing one overall balance, you see separate amounts for everyday expenses, entertainment, major purchases, savings, and other categories. This makes it easier to understand how much you can actually spend right now without using money set aside for other goals.

HOW IT WORKS

When you first start using the app, you can choose a budgeting approach: the 6 Jars method, the 50/30/20 rule, or the envelope system.

6 Jars Finance will create the appropriate categories and allocation percentages. You can change them at any time: adjust percentages and names, add your own categories, or fully adapt the system to your needs.

When adding a salary or other income, you can divide the money manually or allocate it automatically based on the percentages you’ve set.

For example, part of your income can stay available for everyday expenses, part can go toward entertainment, and part can be set aside for a vacation, a major purchase, or an emergency fund.

FEATURES

• Flexible category system
Change names and percentages, create your own categories, and adapt your chosen budgeting system to your needs.

• Automatic income allocation
Use automatic income allocation so you do not have to calculate how much money should go into each category yourself.

• Clear available amounts
See at a glance how much money is left for everyday expenses, entertainment, and other current needs, and how much has already been set aside for the future.

• Recurring transactions
Automate recurring income and expenses — the app will create them according to your schedule.

• Savings for different goals
Keep money for a vacation, a major purchase, an emergency fund, or other plans separate from your everyday budget.

• No bank connection required
6 Jars Finance does not require access to your bank accounts and does not manage your money.

• No registration
Your financial data is stored on your device. You do not need to create an account to use the app.

• No ads
The app contains no banner ads or other advertising.

HOW IS 6 JARS FINANCE DIFFERENT FROM A REGULAR EXPENSE TRACKER?

Typical expense trackers primarily help you record expenses and see where your money has already gone.

6 Jars Finance helps you decide in advance where your money should go after you receive income, then shows how much remains in each category.

This means your total balance is no longer the only number you rely on: money for everyday expenses stays separate from the amounts you have set aside for a vacation, a major purchase, an emergency fund, or other goals.

6 Jars Finance is an independent project built on more than 10 years of personal budgeting experience. I started with the classic 6 Jars method and gradually adapted it to different life situations. That is why the app lets you flexibly change your categories and allocation as your current needs change.

Regularly using 6 Jars Finance helps you set aside money not only for essential expenses and savings, but also for yourself — so you can spend it without feeling guilty.