Top 10 Features of dsBudget (formerly SimpleD Budget) You Should KnowdsBudget (formerly SimpleD Budget) has grown from a straightforward budgeting tool into a flexible, privacy-focused app that meets the needs of beginners and power users alike. Below are the ten most important features to know, how they work, and why they matter — so you can decide whether dsBudget fits your personal finance workflow.
1. Envelope-based budgeting with customizable categories
dsBudget uses an envelope-style budgeting model where each category (envelope) holds a portion of your money assigned for specific purposes. You can:
- Create unlimited custom categories (e.g., Groceries, Rent, Emergency Fund).
- Set monthly or one-time funding targets for each envelope.
- Move funds between envelopes with simple transfers.
Why it matters: The envelope method makes spending limits tangible and prevents overspending by visually showing available funds per category.
2. Offline-first, local data storage
dsBudget is designed to work primarily offline, storing your data locally on your device. Syncing is optional and controlled by the user.
Why it matters: Local storage reduces dependency on cloud services and lowers the risk of unauthorized access to your raw financial data. It also means the app remains fully functional without constant internet access.
3. Optional encrypted cloud sync
For users who want multi-device access, dsBudget offers an optional encrypted sync capability. Data is encrypted on-device before being uploaded, and only devices with your passphrase can decrypt the records.
Why it matters: This balances convenience and privacy — you get cross-device sync without exposing plaintext data to the server.
4. Manual and scheduled transactions
You can add transactions manually with full control over description, date, category, and amount. The app also supports scheduled or recurring transactions (e.g., monthly rent, subscriptions), which can be edited or paused.
Why it matters: Scheduled transactions automate routine entries and keep your budget forecasted accurately.
5. Multiple accounts and transfer support
dsBudget supports tracking multiple accounts (cash, checking, credit cards) and internal transfers between them. Each account can have its own balance independent from your envelope totals.
Why it matters: This mirrors real-life finances, letting you reconcile actual bank balances with envelope allocations and track credit card usage separately.
6. Reporting and visualizations
The app provides several built-in reports and visualizations:
- Spending-by-category charts
- Income vs. expense trends over time
- Envelope balance histories
Reports can usually be filtered by date range or account, helping you spot trends and adjust your budget.
Why it matters: Visual feedback accelerates understanding of where money goes and highlights areas for improvement.
7. CSV import/export and backup
dsBudget allows you to import transaction lists via CSV and export your data as CSV or encrypted backups. This makes it easier to switch from other apps or to archive records.
Why it matters: Interoperability prevents vendor lock-in and makes long-term record-keeping or tax preparation easier.
8. Category rules and quick entry
You can define simple rules that auto-categorize transactions based on keywords in the description. The app also offers quick-entry templates for frequent transaction types.
Why it matters: Automating categorization saves time and increases accuracy in your reports without requiring full bank integration.
9. Debt tracking and savings goals
dsBudget offers tools for tracking debts (loans, credit cards) and setting dedicated savings goals. You can allocate extra payments toward specific debts or funnel surplus to a named savings target.
Why it matters: Having goals and a clear view of debt progress encourages disciplined repayment and intentional saving.
10. Privacy-focused design and transparent development
dsBudget emphasizes user privacy and transparency: minimal permissions, clear data-handling explanations, and an active changelog describing updates and bug fixes. The project’s origins as SimpleD Budget mean much of its community-driven feedback carries forward.
Why it matters: Users who prioritize privacy and want insight into app changes benefit from this open approach.
Practical tips for getting the most from dsBudget
- Start by creating envelopes for fixed expenses, essentials, and one discretionary category — then expand.
- Use scheduled transactions for all recurring bills to keep future balances realistic.
- Make regular backups (or enable encrypted sync) before making major structural changes to your budget.
- Define a few category rules early to reduce future manual work.
- Reconcile accounts monthly to catch data entry errors or unexpected charges.
dsBudget blends the intuitive envelope method with privacy-minded features and flexible tools for tracking accounts, debt, and goals. Whether you’re new to budgeting or migrating from another app, these features offer a robust foundation to take control of your finances.