Personalizing Budgero

Budgero ships with sensible defaults, but almost everything about how it looks and feels is yours to change. Most of these controls live in Settings → Appearance; the budgeting behaviour toggle lives in Settings → Budget Settings; and privacy mode is a one-click button in the header. Your choices are saved to your account, so they follow you to every device you sign in on.

None of these settings touch your data — they change how Budgero presents it, not what's in your budget.

Themes and fonts

Open the theme menu from Settings → Appearance → Theme Settings (or the palette button in the header). Budgero comes with five themes:

Theme	Feel	Modes
Budgero Classic	The original look, tuned for readability	Light & dark
Phosphor	Retro CRT terminal with a phosphor-green glow	Dark only
Mesa	Warm southwestern desert — sand, terracotta, sage	Light only
Obsidian	Luxury editorial dark with copper accents	Dark only
Paper	Monochrome parchment workspace with red/green accents	Light only

Budgero Classic is the only theme that comes in both light and dark — when it's selected you'll get a sun/moon button to switch, plus Light, Dark, and System options (System follows your operating system's setting). The other four themes are designed around a single mode, so Budgero switches to it automatically when you pick one.

Budgero Classic font

When you're on the Budgero Classic theme, an extra Budgero Classic font picker appears, letting you choose the typeface used across the whole app. The options are Fira Code, IBM Plex Mono, Montserrat, Exo 2, Azeret Mono, Inter, Roboto, and Poppins (the default). A live preview shows the change before you commit. The font picker is hidden on the other themes, which each ship with a typeface chosen to match their look.

Budget table layouts

How the budgeting screen is laid out is up to you, and Budgero remembers a separate choice for desktop and mobile so each form factor feels right.

On desktop (Settings → Appearance → Budget Table), pick one of:

• Card layout — rich cards with goal details and drag-and-drop ordering.
• Compact cards — a denser card layout with column summaries for faster scanning.
• Table view — a spreadsheet-style table with collapsible groups and a goal column.

On mobile (Settings → Appearance → Mobile Budget View):

• Cards — full cards with all details visible.
• Compact cards — smaller cards with Activity hidden.
• Table — minimal rows; tap one to expand it.

Mobile also has a Compact header switch that trims the budget header down to just the month selector and Ready to Assign, freeing up screen space for categories.

Account order

The Account order card on the Appearance page lets you set the order accounts appear in the sidebar and the mobile navigation. Each account has up and down arrows — tap them to move it one spot at a time. On-budget and off-budget accounts are ordered separately, so your everyday spending accounts can sit up top while tracking accounts stay grouped below.

Default home page

By default Budgero opens to the Planning workspace, but you can change which page greets you under Settings → Appearance → Default Home:

• Dashboard — an at-a-glance overview of balances, spending, and goals.
• Planning — jump straight into the budgeting workspace to assign funds.
• All Accounts — review account balances and transactions first.
• Analytics — open the prebuilt reports for deeper insights.

Pick whichever matches how you start a budgeting session — some people assign money first, others like to scan their accounts before touching anything.

Privacy mode

Need to open Budgero in a café or share your screen? Click the Privacy button (the eye icon) in the header and Budgero masks every number across the interface — balances, assignments, transaction amounts, charts. Nothing changes in your data; the figures are simply hidden behind a mask until you click again to reveal them. Privacy mode is per-session, so it resets the next time you load the app.

Install as an app

Budgero is a progressive web app, so you can install it for an app-like experience with its own window and a home-screen icon. Under Settings → Appearance → Install App, you'll either get an Install Budgero button (on browsers that support it) or step-by-step instructions for your browser — Safari on iOS and desktop Firefox require a couple of manual taps, which Budgero spells out for you.

Budgeting behaviour: over-assignment

One setting changes how Budgero behaves rather than how it looks. Under Settings → Budget Settings → Assignment Behavior, the Allow over-assignment toggle controls whether you can fund categories beyond your Ready to Assign balance:

• Disabled (default) — Budgero prevents you from assigning more than Ready to Assign. You need the cash available before you can give it a job, which keeps every dollar accounted for.
• Enabled — you can assign any amount regardless of Ready to Assign, pushing it negative. A warning badge appears while this is on, because a negative Ready to Assign means you've committed more money than you actually have.

Most people leave this off — staying inside Ready to Assign is the heart of zero-based budgeting. Turn it on only if you have a deliberate workflow that needs it.