Systems and methods for determining the budget impact of purchases, potential purchases and cost adjustments

An apparatus for budget impact determination, the apparatus comprising:

• a computer platform including at least one processor and a memory;
• and
• a budget module stored in the memory, executable by the processor and operable to track expenditures for users, wherein the budget module comprises:
• a budget impact determination application operable to receive an expenditure amount input, determine a budget impact for the expenditure amount input and provide the determined budget impact to a user associated with the expenditure amount.

A computer program product comprising:

• a computer-readable medium comprising:
• a first set of codes for causing a computer to receive an expenditure amount input to a budget impact determination application;
• a second set of codes for causing a computer to determine a budget impact for the expenditure amount input;
• and
• a third set of codes for causing a computer to provide the determined budget impact to a user associated with the expenditure amount.