But the rent, the electricity, three installments and the card bill are already spoken for in that money.
You know this one
Your bank balance doesn't tell the whole story.
The month's purchases kept landing on the card, one at a time, and nothing ever showed the total.
It isn't a lack of self-control. It's math nobody wants to do by hand, every day.
The math that was missing
Bolgo does this math for you. Every day.
It starts from what you have, takes out what's already spoken for until the day before payday, and shows what's left, line by line. No formulas, no guessing, no spreadsheet.
You have, across 2 accounts$8,420.50
The balance of your accounts, the same as on your bank statement.
Spoken for until the 24th$5,180.00
Rent $1,800.00Utilities $612.40Installments $637.60Card bill $2,130.00
Left over, free to spend$3,240.50
What's truly yours. Spend something, and this number changes right away.
The balance and what's left
Your bank balance is real. It just isn't all yours.
Balance in your accounts$8,420.50
It still matches your statement, on purpose. But the rent on the 10th and the card bill on the 24th already come out of it.
RentUtilitiesInstallmentsCard bill
Free to spend$3,240.50
What's left after everything already spoken for. The card limit stays out, because it was never yours.
Features
Everything that moves your month, in the right place.
The card bill, before it arrives.
Each purchase goes on the right bill, with your card's closing and due dates. You know how much it will be well before it's due.
Tide Cardcloses on the 17th · due on the 24th
September bill$2,130.00used $2,130.00limit $6,000.00
On this bill
SupermarketSep 12$318.40
Laptopinstallment 3 of 10$480.00
Spotifyrepeats every month$21.90
The tightest day of the month, with a date.
The whole month on one timeline, with the day your money runs shortest marked. There's time to adjust before it comes.
September
Ends with $8,740.50. The lowest point is $3,240.50, on the 24th.
Thu, Sep 24$3,240.50 · lowest point
Tide Cardbill · 12 purchases$2,130.00
Mon, Sep 14$6,434.10
ElectricityUtilities$186.40
Thu, Sep 10$6,620.50
RentHome$1,800.00
Today$8,420.50
Grocery storeGroceries$212.30
Months of statements, all at once.
Bring your bank's files, OFX, QIF, CSV or PDF. Bolgo sorts them by account, finds what repeats and shows you everything before saving.
Import statementsFound 2 accounts and 1 card6 files from August and September
Tide Bankaccount · 3 files · 214 entries
Harbor Bankaccount · 2 files · 96 entries
Tide Cardbill · 41 purchases
12 lines were already in Bolgo and were left out.
Bring it all inThree taps. Done.
The amount, the category it guesses from the name, save. By the time the sheet slides down, the number up top has already changed.
ExpenseIncomeTransfer
$47.90
Groceries ?Eating outTransport
Today · Tide Bank789÷456×123−.0⌫+
Save $47.90 in GroceriesCredit was never yours.
Your card limit is how much the bank will still lend you. In Bolgo, it never goes into the math. A purchase comes out of your month on the day you buy, and the bill counts only once.
Do the math
Do the math on your month now.
Three numbers and you see what Bolgo shows every day, without opening a spreadsheet. Nothing you type here leaves this page.
Rent, utilities, installments and the card bill.
Free to spend$3,240.50$190 a day until payday
For any income
Don't know how much is coming in? You don't need to.
Bolgo only asks for the date of your next income. The amount stays out of the math, so it works for a paycheck, freelance work or an app payout. If you get paid every week, the math runs to the end of the month.
Paycheckhow much: no need to say
on the 5thFreelancehow much: depends on the month
around the 15thApp payouthow much: changes every week
every MondayThe method
Four rules. One sentence.
Mark when it comes in, count until then, take out what's spoken for, spend what's left.
- 1Mark the date, not the amount
Get paid around the 25th? That's enough. Bolgo uses the date of your next income, never the amount. If your income varies, you don't have to get any number right.
- 2Count until your next income
Your month runs from one paycheck to the day before the next. Today is the 8th and payday is the 25th: that's 17 days, and those are the days the math works with.
- 3Take out what's spoken for
Rent, utilities, installments and the card bill come out first, each on its own day. The card limit stays out, because it's what the bank lends you, not your money.
- 4Spend what's left
What's left is truly free: $3,240.50, or $190 a day. Spend something, and the number changes right away. Made a mistake? Undo it.
Privacy
Your money is yours. So is your data.
No bank connectionYou log it or bring your statement file. Bolgo never asks for your bank password.
Works offlineYour data stays sealed on your iPhone and syncs when the network is back.
Leave whenever you wantThe spreadsheet and the backup are free on every plan. Erasing everything erases it from the cloud too.
Kept out of analyticsNothing you log, no amount and no description, goes into usage analytics.
Wherever you are
In your language, in your currency.
Portuguese, English and Spanish, in your country's format. And with Bolgo Premium, a purchase in another currency goes in at the day's rate.
BrazilR$ 3.240,50
United States$3,240.50
Mexico$3,240.50
Spain3240,50 €
Portugal3240,50 €
United Kingdom£3,240.50
The name
Bolg means bag.
In Old Irish, bolg was a bag. It became bulga in Late Latin, bouget in 15th-century English, and from there came budget. Bolgo is the bag with the math done.
Plans
Start free, with no time limit. See further ahead whenever you want.
Free
No end date.
- Free to spend through next month
- Budgets by category
- Every month that has already passed
- Spreadsheet and backup, always
- 5 accounts, 3 cards and 50 categories
Bolgo Premium
The price shows in the store, in your currency, with a free trial before you subscribe.
- Free to spend over 24 months
- Full purchase simulation
- Negative balance warning for any month
- Category comparison and the month's PDF
- Entries in another currency
- More accounts, cards and categories
Frequently asked questions
When does Bolgo open?
First on iPhone, and there's no date yet. Everyone on the list gets an e-mail on the day it opens.
Do I need to connect my bank?
No. You log your spending or bring your bank statement file. Bolgo never asks for your bank password.
What if I don't get paid on the same day, or the same amount?
Bolgo counts until the next income you mark, whether it's a paycheck, freelance work or an app payout, and its amount never goes into the math. If you get paid every week or every day, it counts until the end of the month.
Does it work in my country?
Yes. Bolgo speaks Portuguese, English and Spanish and uses your country's currency and format.
How much does it cost?
There's a free plan, with no time limit. Bolgo Premium has its price in the store, in your currency, and you can try it free before subscribing.
What do you do with my e-mail?
We keep only the e-mail and the language, for the opening notice. No ads from other companies, and you can leave the list whenever you want.