It&#x27;s very much a &quot;what works for me&quot;, but any accounting system that supports an account hierarchy (which ledger seems to) can have some form of budgeting &quot;bolted on&quot;.<p>At my bank, I have a &quot;Chequing&quot; and &quot;Savings&quot; account (that&#x27;s their use, anyway). I use GnuCash for Android as kind of an additional data layer on top of my bank accounts.<p>In GnuCash I have a Savings and Chequing account I manage, but I&#x27;ve got a whole separate hierarchy of &quot;bank accounts&quot; called &quot;Budget&quot;. Under that I build a whole tree of &quot;Bills&quot;, &quot;Planned Purchases&quot;, &quot;Car&quot;, &quot;Credit Card Payment&quot;, etc. When I get paid I transfer the appropriate amounts into the various &quot;budget&quot; accounts to plan for my bills and such. The displayed amount for my &quot;Savings&quot; account is actually &quot;money that is not allocated to anything right now&quot;. (The true total is Savings+Budget.)<p>If I pick something up on my credit card (e.g., buying something online), that expense gets logged against my credit card right away and I can just transfer some money from Savings&#x2F;Chequing&#x2F;Budget into my &quot;Credit Card Payment&quot; budget item.<p>It doesn&#x27;t really provide me any forecasting, and I can&#x27;t really set up &quot;future bills&quot;, but once I move the money into the budget accounts it&#x27;s essentially &quot;spent&quot;, so it serves the purpose just as well.<p>(As an added benefit, I&#x27;ve set up the expense accounts to more or less mirror my budget accounts, with some additional ones for the unbudgetted day-to-day. I can always get an accurate picture of &quot;how much have I spent on &lt;x&gt; since I started tracking&quot;, which is interesting.)