Using the Budget Tool is as easy as signing on to your online banking account or mobile app. The interface tracks spending, debts, and budgets in clear data visualizations that help you identify trends and set goals to improve your financial wellness across all of your accounts.
Here are some of the cutting-edge financial management features that make the Budget Tool so powerful.
View ALL of your Accounts All in One Place
The Budget Tool allows you to view all your finances, including accounts with other financial institutions, in a single interface. It eliminates the need to log in to multiple different online accounts on a regular basis just to see how your finances are looking.
This budgeting tool is available in both desktop and mobile versions so you can access your information anywhere, any time.
You can also see all your debts in one place with the Budget Tool, along with corresponding balances and interest rates. The simple interface offers up a clear picture of where you stand, so you can plan your next steps. You can even order debt by priority.
Track Spending and Identify Trends
From mortgages to loans, credit cards to retirement savings, you'll be able to merge all your data to gain a complete picture of where and how you're spending your money.
The Budget Tool automatically categorizes your spending and updates in real-time. This makes it easy to identify trends and make regular check-ins without ever having to tackle a spreadsheet. You can assess spending by category, graphed out over time, to take a deeper dive into your spending habits and discover opportunities for saving money.
Create a Budget Online
You can use the Budget Tool to auto-generate budgets based on your spending history, income, debts, and expenses. La interfaz le muestra estos datos dentro de coloridos círculos o "burbujas" de presupuesto que le permiten visualizar sus finanzas de manera sencilla e inmediata.
También puede interactuar con estas burbujas para ver datos históricos del presupuesto mensual, modificar sus ingresos previstos o crear categorías de presupuesto personalizadas.
Set Timely Alerts
A big part of smart money management is about time management: making on-time payments, planning ahead, and saving enough money for your future. Puede inscribirse y recibir alertas por correo electrónico para estar seguro de que controlará sus cuentas cada vez que sea necesario.
Ready to explore your finances in a new way? If you're already an LMCU member with online banking, simply select the Budget Tool tab in your online banking account to get started.
If you're not signed up already, enroll in online banking here. Plus, don't forget to download the LMCU mobile app.
