# Set Budgets by Merchant or Category | Warm Pro

> Create spending limits for specific merchants like Amazon, Starbucks, or Target. Get gentle alerts when you're approaching your budget limits. Pro feature for granular control.

Source: https://warm.io/features/merchant-budgets

Plus Feature

# That one store you can't resist? We've Got Your Back

Pick a store. Set a limit. We'll give you a nudge when you're close. No shame, just a heads up.

[Get Started](https://warm.io/login)

## The Problem

-   Amazon orders add up faster than you realize

-   Uber Eats becomes your default dinner option

-   Coffee shop visits feel small but total hundreds monthly

-   Category budgets are too broad to catch this


## The Solution

-   Set a monthly budget for any specific merchant

-   See real-time progress toward your limit

-   Get gentle awareness before you hit the limit

-   Awareness without judgment or shame


## Easy as pie.
Really helpful too.

### Pick your merchant

Choose any store from your transaction history. Amazon, Starbucks, Target—anything you want to track.

### Set your limit

Decide what feels right for you. $200 for Amazon, $150 for Uber Eats—you choose the amount.

### Stay aware

Watch your progress throughout the month. Get gentle notifications when approaching your limit.

## Real life.
Real help.

### Limit Amazon spending

"I'll just order this one thing" turns into $500/month

Set a $200 monthly budget for Amazon

See exactly how much you've spent so far

Get awareness at 80% to reconsider that cart

### Cap Uber Eats orders

Convenience is great, but it adds up fast

Set a $150 limit for food delivery

Track progress as orders come through

Consider cooking when you hit your budget

### Control coffee shop spending

$6 lattes don't feel like much until you see the total

Budget $80/month for Starbucks visits

See your running total update daily

Brew at home when you're close

### Any merchant you choose

Target, Whole Foods, gas stations—you name it

Create budgets for any store

Manage multiple merchant budgets at once

Adjust limits anytime as your needs change

Unique Feature

## Something special.
Just for you.

Big buckets are nice, but sometimes you need to watch just one spot. This lets you do that.

### Category Budgets

Track broad spending areas

$500 for all dining

$300 for all shopping

Includes all merchants

### Merchant Budgets

Plus

Pinpoint specific problem areas

$150 just for Uber Eats

$200 just for Amazon

Laser-focused control

## Made for
peace of mind.

### Real-time tracking

See exactly where you stand as transactions come through. No surprises at month-end.

### Gentle notifications

We noticed you're approaching your Amazon budget. Consider if that purchase can wait.

### Automatic updates

Every purchase automatically counts toward the right merchant. No manual tracking.

### Unlimited merchants

Create budgets for as many stores as you want. Track everything that matters to you.

### Visual progress

Clean progress bars show how much of your budget remains. Clarity at a glance.

### Flexible limits

Adjust your budgets anytime. Life changes, your budgets can too.

## People
love it.

"The Amazon budget was a game-changer. I was spending $400/month without realizing it. Set it to $200 and actually stuck to it."

K

Katie R.

Marketing Manager

"Finally have control over my Uber Eats habit. The gentle alerts help me think twice instead of just ordering automatically."

J

Jordan P.

Software Developer

"I have merchant budgets for Starbucks, Target, and DoorDash. Seeing the real-time totals keeps me accountable without feeling restricted."

M

Morgan L.

Teacher

## Common questions

### How is this different from category budgets?

Category budgets track broad areas like "Dining" or "Shopping." Merchant budgets let you set limits for specific stores within those categories. You could have a $500 dining budget but limit Uber Eats to $150 within that.

### Can I have both category and merchant budgets?

Absolutely. They work together. Use category budgets for overall spending control and merchant budgets to target your problem stores.

### What happens when I hit my limit?

We'll show you a gentle notification to let you know. We never block transactions or prevent spending—this is about awareness, not enforcement.

### Can I budget for any merchant?

Yes. Any merchant that appears in your transaction history can have a budget. Amazon, local coffee shops, gas stations—anything you want to track.

### What plan do I need?

Merchant budgets are a Plus feature ($5.99/mo). Category budgets are included free. Upgrade to Plus for merchant-level budget control.

### How many merchant budgets can I create?

Unlimited. Track as many or as few merchants as you want. Most users start with 2-3 problem stores and expand from there.

## Ready for some
peace at your fave spots?

Pick the stores that trip you up.
We'll help you feel good about it.

[Get Started](https://warm.io/login)

Includes all Plus features: Up to 3 synced accounts, cash flow forecasting, merchant budgets, and more.
