Amunta combines two different planning tools. A budget sets how much you want to spend during a period. An installment plan divides a financial obligation into scheduled payments. Used together, they turn numbers into a plan you can follow.
Create a measurable budget
You can set a weekly, monthly, or yearly budget. Amunta compares the limit you choose with your actual spending and sends a local alert as you approach or exceed it.
At the end of a period, the app keeps a snapshot containing the limit and the actual spending. The result for a past month therefore does not change when a new period begins, and a chart shows the trend across your previous periods.
Not “how much have I spent” but “am I on track”
The number alone doesn’t tell you much: 60% of the limit is excellent on the 25th and alarming on the 5th. So Amunta compares how much you’ve spent against how much of the period has elapsed, and gives you a straight verdict — on track or over pace — along with how much you can spend per day for the rest of the period.
A cycle that starts on payday, not the 1st
If your financial month starts on the 25th, a budget that resets on the 1st doesn’t describe it. You can set a cycle start day for any monthly budget, so the period ends and renews on the day that matches your life.
Carrying the leftover forward
You can enable rollover per budget: whatever you didn’t spend in the previous period is added to the next period’s limit. It carries from the previous period only and doesn’t compound across periods, and a deficit never carries — overspending one month doesn’t punish the next.
A warning before you save, not after
When an expense or a purchase invoice would push you past a budget limit, Amunta warns you before saving — so you can reconsider, or go ahead knowingly. It doesn’t block you; the decision stays yours, just an informed one rather than a discovery after the fact.
Which period should you choose?
- Weekly: useful for fast-moving daily expenses.
- Monthly: useful for salaries and household bills.
- Yearly: useful for large seasonal goals or categories.
An installment plan is more than a reminder
For a debt or another amount due, you enter just two things: the installment amount and the interval in days. The number of installments is computed for you from the balance — shown on screen with an “auto” badge. If the balance doesn’t divide evenly, you see the different final installment before saving. Amunta prevents a plan whose installment exceeds the outstanding balance, and follows its progress as the balance changes and due dates pass.
You can also set a reminder to pay the full balance instead of splitting it, or create a general reminder for a financial date. These alerts are local to your device; no server is needed to remind you.
What happens after a partial payment?
The payment remains linked to the debt balance. As the balance falls, the plan follows what was actually paid instead of remaining a separate schedule with no knowledge of the debt. If a payment does not cover the expected amount, Amunta can show the uncovered portion.
A realistic workflow
- Create a budget period that matches how you receive income.
- Record expenses as they happen so the measurement stays accurate.
- Turn a large debt into installments you can realistically pay.
- Review local reminders and completed-period snapshots instead of relying on memory.
Example: the outstanding balance is 12,000, so you type an installment of 2,000 with a 30-day interval — the app immediately works out that it’s six installments. Type 2,500 instead and it works out five: four of 2,500 and a final one of 2,000. From there it tracks the due dates and the real balance, and shows any portion left uncovered after a payment date.
Do these tools need the internet?
No. Budgets, calculations, reminders, and installment plans run on your phone. A connection is needed only if you choose to share through A-Link or store a backup in Google Drive.