This is intended for credit and debit card use for people who do not have spending categorization built into the online platform they use to access their spending data. You could also manually add in cash purchases. I am not helping you make a budget! I am helping you to view how you spent your money each month. You will categorize each transaction and get an easy way to view where you spent your money so that you can know where to adjust your budget or expenditures. This is a tool I use at the end of the month, as I generally recall where and how I've spent my money for that long. Using this tool has helped me to save more money.