How to build a monthly budget in the Dominican Republic
The remaining balance is not a budget. This guide splits a sample income into envelopes, plays the month day by day, and shows what changes if you are paid quincena.
Frainer EncarnaciónFounder of Viollet4 min read
A budget answers a question the balance does not ask. The balance says how much is left in an account on day 20. The budget says how much you meant to put toward housing, food, transport, transfers, and savings before the month spent itself.
In the Dominican Republic income often arrives as a quincena and spending leaves through several banks. Below you can drag envelopes in RD$, press play on the month, and switch monthly pay for quincena. The figures are not a typical salary and not user data.
What this budget does not do
The amounts and the spending calendar are an example so you can see fixed costs, variable costs, and savings. They do not describe a typical household or a correct goal for everyone.
An envelope does not see cash or a payment the bank did not notify. If you want that spend in the budget, you have to add it.
Viollet does not replace the bank app and does not calculate interest on a financial product. If you use Viollet, budgets are compared with spending that comes from bank email notifications, without asking for the bank password.
Google may show an extra warning during the annual security assessment for restricted Gmail scopes. Continue only if the request is from Viollet and you understand the read-only access.
Questions before you set caps
Are the simulator numbers my real spending?
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No. They are sample figures in RD$ so you can see fixed costs, variable costs, savings, and what is left unassigned.
Does Viollet build budgets from categorized spending?
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Yes. Organized transactions connect to budgets, spending views, savings goals, and alerts when you approach a limit.
Does the budget combine several banks?
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It can combine the institutions whose alerts you choose. Each bank remains the official source of its own balance.
Do I need the bank password?
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No. Spending comes in from email notifications, not from a bank sign-in.
What about cash and transfers without email?
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They do not come in on their own. If you want them inside the envelope, you need a manual note.
Does a quincena change the monthly cap?
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The monthly cap can stay the same. What changes is when each envelope has funds. In the example, the second half of income arrives on day 15.
Is the beta free?
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Yes. While the public beta is open, access is free, no card is required, and it includes Plus features.
Compare the envelope with spending that already happened
If your banks already send alerts, the budget can rest on those lines. No bank password. Public beta, no card.