⚖️
Balance
AI-powered budget coach. Know where your money goes. Earn HMP for staying on track.

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Access Requirements
Basic Tier500 HMP staked
Pro Tier2,000 HMP staked
Business Tier5,000 HMP staked
Balance requires Basic tier (500 HMP staked). Stake HMP in the Xetro app or at harvest.humanpay.app

Good evening 👋

You've spent £1,247 so far this month — 17 days still to go.

Monthly Spend — June 2026
£1,247.83
of £2,000 budget · £752.17 remaining
On Track
62% used · 47% through month
Housing £274
Food £224
Transport £187
Bills £150
Eating out £112
Other £75
💎
Earning HMP on every pound you spend 1 HMP/£1 domestic · 2 HMP/£1 abroad · Bonus for staying on budget
1,247 HMP
Earned this month
Daily Average
£44.21
vs £51.20 last month
↓ 13.6% improvement
Eating Out
£112
of £100 budget
↑ £12 over — tap to view
Largest Category
£274
Housing — Rent
→ Fixed monthly cost
Recent Transactions
View all →
🛒
Tesco SuperstoreGroceries
Today, 14:32 · Ramsgate
−£43.28
+43 HMP
🍽️
The Sailor's ArmsEating Out
Yesterday, 20:14 · Ramsgate
−£28.50
+28 HMP
💸
Salary — HumanPay CICIncome
13 Jun · Direct transfer
+£2,400.00
💎 +2,400 HMP
BP Petrol StationTransport
12 Jun · Margate
−£62.00
+62 HMP
Spending Breakdown

Where your money goes

June 2026 · £1,247.83 total spend

🏠
Housing
£274
vs £290 last month · ↓ 5%
🛒
Food & Groceries
£224
vs £198 last month · ↑ 13%
🚗
Transport
£187
vs £210 last month · ↓ 11%
💡
Bills & Utilities
£150
vs £150 last month · → 0%
🍽️
Eating Out
£112
vs £88 last month · ↑ 27%
🛍️
Other
£75
vs £92 last month · ↓ 18%
Budget Tracker

June 2026 Budgets

4 on track · 2 over budget

🏠
Housing
Monthly
£274
of £350
78%£76 left
🛒
Groceries
Monthly
£148
of £300
49%£152 left
🍽️
Eating Out
Monthly
£112
of £100
112% ↑£12 over
🚗
Transport
Monthly
£187
of £200
93%£13 left
💡
Bills
Monthly
£150
of £200
75%£50 left
🛍️
Other
Monthly
£75
of £200
37%£125 left
Savings Goals

Your financial goals

3 active goals · On track for 2

Emergency Fund
Target: £3,000 · Saving £200/month
67%
£2,010 saved£990 to go · ~5 months
Zanzibar Trip
Target: £1,500 · October 2026
40%
£600 saved£900 to go · 4 months left
ICO Investment
Target: £500 · August 2026
84%
£420 saved£80 to go · Almost there!
All Transactions

June 2026

28 transactions · £1,247.83 spent

🛒
Tesco SuperstoreGroceries
Today, 14:32 · Ramsgate
−£43.28
+43 HMP
🍽️
The Sailor's ArmsEating Out
Yesterday, 20:14 · Ramsgate
−£28.50
+28 HMP
💸
Salary — HumanPay CICIncome
13 Jun · Direct transfer
+£2,400.00
💎 +2,400 HMP
BP Petrol StationTransport
12 Jun · Margate
−£62.00
+62 HMP
📱
Sky BroadbandBills
10 Jun · Direct debit
−£45.00
+45 HMP
🛒
Sainsbury's LocalGroceries
9 Jun · Ramsgate
−£12.40
+12 HMP
Upcoming Bills

Due this month

3 bills due in the next 7 days · Total £100

📺
Sky Broadband
Monthly direct debit
£45.00
Due in 2 days
💪
Gym Membership
Monthly direct debit
£30.00
Due in 4 days
📱
Phone Contract
Monthly direct debit · EE
£25.00
Due in 6 days
🏠
Rent — 40 Dane Crescent
Monthly standing order
£950.00
Due 1 July
AI Coach

Your personal money coach

Powered by Claude · Ask anything about your finances

🤖
Balance AI Coach
Powered by Claude · Analysing your June spending
🎯
Tip
You've hit your eating-out budget with 17 days to go. Cooking at home this week could save you £40–60.
Win
Your grocery spend is £152 under budget — great work. On track to finish June £180 under your food target.
📅
Heads Up
3 bills due this week: Sky (£45), Gym (£30), Phone (£25). Make sure you have £100 clear.