What application is best for creating a budget?

There are at least two ways.

For example, if you work and have a regular income:

• Start with the maximum amount of money available in a period, then list the expenses that must be paid during the same period. Include savings and charity.

If you have an irregular income, or if you have unlimited access to funds:

• List your fixed expenses and your variable expenses and calculate how much you need during a period.