Thanks for the Tooltips. But I think instead of using a separate budgeting tool I could also just use my already existing banking solution and get the same result. These Budgeting Tools do not Hard limit or enforce a Budget. Because (for me) they are just more advanced Excel Sheets.
But I want something more in the way of:
- I sent some amount of money once per month
- I can choose projects I want to donate to
- Everything is tracked, but just visible for me
- No possibility at all to exceed my budget and no linkage to my real banking account
But I see that this intention of me was not clear in my inital post.





Thanks for the comment. But I think something like a simple budgeting tool does not really fit my need. I could use my existing banking solution and achieve the same thing. But I want harder restrictions like: