Merchant budgets Set Limits for Specific Stores
Pick a store. Set a limit. We'll give you a nudge when you're close. No shame, just a heads up.
Easy as pie.
Really helpful too.
Pick your merchant
Choose any store from your transaction history. Amazon, Starbucks, Target, or anything else you want to track.
Set your limit
Decide what feels right for each merchant and adjust the amount whenever life changes.
Stay aware
Watch progress throughout the month and get gentle notifications when approaching your limit.
Real life.
Real help.
Limit Amazon spending
Set a monthly budget for Amazon and see how much every order adds to the total.
Cap food delivery
Track delivery apps separately from your whole dining budget when convenience starts adding up.
Control coffee shop spending
Small visits are easier to manage when you can see the merchant total clearly.
Any merchant you choose
Target, Whole Foods, gas stations, local shops, or any merchant in your transaction history.
Something special.
Just for you.
Category budgets keep broad areas in view. Merchant budgets let you watch one familiar place without rebuilding the whole budget.
Made for
peace of mind.
Real-time tracking
See exactly where you stand as transactions come through.
Gentle notifications
Get awareness before you hit the limit, without shame or enforcement.
Automatic updates
Every purchase counts toward the right merchant without manual tracking.
Unlimited merchants
Create budgets for as many stores as you want.
Visual progress
Clean progress bars show how much of your budget remains.
Flexible limits
Adjust your budgets anytime as your needs change.
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 inside those categories.
Can I have both category and merchant budgets?
Yes. Use category budgets for overall spending control and merchant budgets for the places you want to watch closely.
What happens when I hit my limit?
Warm shows a gentle notification. It never blocks transactions or prevents spending.
Can I budget for any merchant?
Yes. Any merchant that appears in your transaction history can have a budget.
What plan do I need?
Merchant budgets are included on Warm paid plans, starting with Plus. Category budgets are included too.
How many merchant budgets can I create?
Unlimited. Track as many or as few merchants as you want.
Related Features
Explore more ways Warm helps you understand your finances.
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peace at your fave spots?
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