Checklist

Budget categories list for everyday spending

Budget categories sort your money into groups, so you can see where it goes and set a limit for each. Most budgets have three kinds: fixed costs like rent and bills, everyday spending like food and transport, and money you set aside. Start by tracking a few everyday categories, because that's where spending tends to drift.

1. Housing

   Rent or mortgage, plus things like renters or home insurance.

   Tip: Usually a fixed amount; set it aside first.

2. Bills and utilities

   Electricity, water, internet and phone.

   Tip: Look at the last few months of bills to get a typical amount.

3. Food and coffee

   Groceries, takeout, lunches and coffee out.

   Tip: Split groceries from eating out if you want to see the difference.

4. Getting around

   Fuel, public transport, rides and parking.

   Tip: If you have a monthly pass, use its price.

5. Fun and going out

   Drinks, concerts, games and hobbies.

   Tip: Give it a limit you can enjoy, not one you'll break on day three.

6. Shopping

   Clothes and small online buys.

   Tip: Track the small ones; they add up quietly.

7. Subscriptions

   Streaming, music, apps and memberships.

   Tip: List them all once and cancel the ones you don't use.

8. Saving and debt

   Emergency fund, goals and extra debt payments.

   Tip: Treat it like a bill and set it aside when you're paid.

9. Start with three

   Tracking every category at once is a lot to keep up with.

   Tip: Piggo starts you with three categories and starting limits based on your spending money, and you can change them any time. Get your 3 categories

Questions

More from Piggo

Updated October 11, 2026