Our AI-powered Budget Planner shows you exactly where your money goes — and how to make it go further.
Budget Planner is a powerful set of tools inside your Starling app that helps you understand and control your spending.
Every transaction is automatically categorised — groceries, transport, eating out, bills, entertainment — without any work from you. Over time, you build a detailed picture of your spending habits.
Set monthly budgets per category, get friendly warnings when you're approaching limits, and ask our AI questions in plain English like 'How much did I spend on coffee last month?'
Every transaction is sorted into categories automatically. Costa becomes 'Eating & Drinking', Tesco becomes 'Groceries', TFL becomes 'Transport'. You can recategorise anything with one tap — the app learns from your preferences.
Monthly breakdowns with clear, colourful charts. See exactly where every pound goes. Compare months side-by-side to spot trends.
Set a monthly limit per category — £200 for eating out, £400 for groceries, £50 for coffee. Get friendly warnings at 50%, 75% and 100% of your limit. No guilt trips, just gentle nudges.
Type questions in plain English: 'How much did I spend at Starbucks this year?', 'What are my top 5 merchants?', 'Am I spending more on groceries this month?' Get instant, accurate answers.
Open your Starling account in minutes.
Apply now