TOP 13 best fitness bracelets with NFC working in Russia: 2021-2022 rating by price/quality and which one to choose

A fitness bracelet is one of the most popular gadgets in the modern world, because with its help you can easily monitor your pulse and blood pressure, track physical activity, and even set and achieve goals related to improving your health and well-being. And if it is also a bracelet with an NFC module, then such a device additionally frees its owner from the need to carry many bank cards, a smart smartphone or a bulky wallet.

After all, this function allows you to pay for breakfasts and lunches in cafes, purchases in salons and stores, travel on various public transport and make any contactless expenses in one move.

That is, NFC replaces traditional payment cards as much as possible, while its range of action does not exceed 10 centimeters, which almost completely eliminates the possibility of unauthorized debits from the owner’s accounts.

And since the presence of NFC significantly increases the usefulness of a fitness bracelet, this fact could not escape our attention: we have already reviewed the gadgets presented in online showrooms, studied their characteristics, reviews and feedback from owners and selected the three undisputed leaders of 2020 in terms of price /quality, which we present to your attention.

Rating of the TOP 13 best smart watches and fitness bracelets with NFC 2021-2022

Garmin Vivoactive 3

• Works with both iOS and Android.
• The whole range of necessary sensors.
• Good battery.
• Very comfortable and light
• The glass hardly scratches, even with active use.

• Diameter is only 1.2 inches.

It immediately becomes clear that this is a truly sports model. The durable waterproof case will allow you to play sports for a long time. In addition to sports programs, a sleep program is installed inside, which will allow you to find the optimal hours for waking up and resting. Not a very wide round screen, but with a fairly convenient system.

What to look for when choosing?

When choosing a smart watch with a payment function via NFC, first of all you need to pay attention to models from well-known manufacturers of specialized equipment. They are distinguished by high-quality assembly, long service life and versatility.

It is also recommended to carefully study the technical specifications before purchasing.

The most important of them include:

• Display size . The most convenient to use screen is considered to be 1.4-1.7 inches in size.
• Display type . There are 3 varieties in total - monochrome e-papier, full-color LCD, touch. The former provide the battery with a long service life, the latter quickly drain the battery, but make the picture more realistic, the latter make operating the device more convenient.
• Operating life without recharging . Cheap models can hold a charge for 1-2 days, more expensive ones – 7-10 days.
• Functions . The more there are, the more expensive the device. But standard models with reasonable prices have all the necessary options.
• Degree of protection . Sports models have a more durable and sealed body, which significantly increases their service life.

In addition, when choosing a smart watch with NFC, you should pay attention to the design of the device and the package contents.

Samsung Galaxy Watch (46)

• Works with both Android smartphones and Apple products.
• Diagonal 1.3 inches.
• Gyroscopic sensor, GPS, GLONASS.
• There are additional smartphone functions ranging from weather to calendars and reminders.
• The battery is quite capacious – enough for several days of use.
• A set of digital watch faces to suit every taste.
• Wide functionality.

• The strap looks very cheap, but it can also be changed.

In appearance, they are indistinguishable from mechanical watches. They have several buttons on the sides, which simplifies control. But they can also be controlled using a regular touch. Inside there is a huge number of sensors: from a heart rate monitor to an atmospheric pressure sensor. The case is completely sealed and has shock protection. Diagonal 46 millimeters.

TOP 3 best fitness bracelets with NFC by price/quality for 2021-2022

The best fitness bracelets with NFC presented in Russian online stores in 2020 were the following models.

Xiaomi Mi Band 5 NFC

The most expensive and lightest fitness bracelet in our selection is new for 2020, which has improved a number of parameters and added more modern functionality.

The fifth generation of sports trackers from a well-known Chinese company can count steps, count calories, measure pulse and oxygen levels in the blood, monitor sleep phases and stress levels, allow you to maintain a “female” calendar or set up various sports modes.

At the same time, manufacturers have equipped the device with the ability to analyze the owner’s personal indicators for 7 days and display the results in the form of points, simplifying a comprehensive assessment of the owner’s health and physical development.

The gadget can also control music and the camera of a paired phone, displays world time, has many alarm clocks and a wide variety of customizable watch faces.

The model can withstand swimming sessions in a pool with prolonged immersion, and for ease of charging it does not even need to be removed from the strap, as was the case in previous versions.

As for the NFC function, it is implemented on the basis of the MasterCard system and works with a certain range of issuing banks.

At the same time, the number of such banks is constantly growing, and accordingly, the need for an NFC module on a fitness bracelet will only increase.

Specifications:

• dimensions, mm - 47.2 x 18.5 x 12.4;
• weight, g - 12.1;
• battery capacity, mAh - 125;
• standby / charging time - 336 hours / 120 minutes;
• built-in memory capacity, MB – 16;
• The minimum supported versions of Android / iOS are 4.4 / 9;
• sensors - accelerometer, gyroscope, heart rate monitor, sleep monitoring, calories, physical activity;
• additionally - control of a smartphone (camera, player), phone search function, timer, stopwatch, vibration, time.

pros

• acceptable measurement of physical parameters;
• large information screen;
• The battery lasts a long time.

Minuses

• no Russian language;
• It’s difficult to set up work with smartphones from other companies (not Xiaomi).

Xiaomi Mi Band 4 NFC

A legendary fitness bracelet at an affordable price, with which you can control the player and conduct professional workout breakdowns.

At the same time, the gadget is equipped with a bright color and informative AMOLED display with a diagonal of 0.95 inches, is made in a classic design and has a high level of protection from water and dust.

As a fitness bracelet, the device can monitor physical activity, count calories burned, continuously measure heart rate, and has a sleep tracking function..

Also, the owner will certainly be pleased with the display of notifications and the presence of a smart alarm clock and dial that can be customized to the user’s needs.

The NFC function works independently of the phone, so you can make purchases even if not only your wallet, but also your smartphone is forgotten at home.

An important feature - at the end of 2020, NFC in fitness bracelets is implemented only through the MasterCard payment system and not all banks of the Russian Federation are its participants, however, there are still not so few banks that support NFC and the chances are that this function will be unnecessary, not so high.

Specifications:

• weight, g - 22.2;
• battery capacity, mAh - 125;
• standby / charging time - 360 hours / 120 minutes;
• built-in memory capacity, MB – 16;
• The minimum supported versions of Android / iOS are 4.4 / 9;
• sensors - accelerometer, gyroscope, heart rate monitor, sleep monitoring, calories, physical activity;
• additionally - timer, stopwatch, moisture protection, vibration, time.

pros

• The pedometer does not work without a phone;
• flexible software;
• NFC really works.

Minuses

• the training cycle often resets;
• increased battery consumption due to a constantly working screen.

Smarterra FitMaster TON

Despite the extremely budget price, this fitness bracelet can do something that many much more expensive analogues cannot do, namely, the gadget quite accurately measures the body temperature of its owner and has a passive NFC tag, which allows it to be used not only for contactless payment for goods and services, but also for opening magnetic doors, reading the necessary information or using it as an electronic pass.

Otherwise, this multifunctional device constantly monitors pressure, pulse and heart rate, analyzes the phases of sleep and wakefulness, counts steps and distance traveled, as well as calories burned during physical activity.

The device is made in a canonical style, has a high level of protection from moisture and dust, and comes complete with several multi-colored straps, allowing you to choose the gadget to suit your desires.

For the convenience of users, the strap has a special hole into which the tip that sticks out after fastening it is hidden, ensuring that the device will not get caught on anything, accidentally come unfastened or get lost..

The gadget is controlled primarily using the central button, pressing which scrolls through menu items or changes its levels.

Specifications:

• weight, g - 20;
• standby / charging time - 150 hours / 120 minutes;
• built-in memory capacity, MB – 16;
• The minimum supported versions of Android / iOS are 4.4 / 8;
• sensors - accelerometer, tonometer, heart rate monitor, monitoring of sleep, calories, physical activity, blood oxygen level;
• additionally - smartphone camera control, body temperature measurement, passive NFC tag (opening doors, reading information).

pros

• comfortable;
• good price;
• reliable measurements.

Minuses

• rapid battery drain;
• Difficult to remove from charging strap.

HUAWEI Band 4 Pro

The highly durable model, made in black, tracks the amount spent as accurately as possible.

calories, number of steps, duration and quality of sleep, heart function and pulse. The model does not lose its relevance in 2021-2022.

A large selection of sports modes allow you to monitor training in various sports disciplines.

Quick synchronization with your smartphone allows you to make and receive calls, respond to SMS, manage applications and listen to music. The sealed case reliably protects the mechanism from moisture, which makes it possible to use the device in rainy weather and for training in the pool.

Specifications:

• OS compatibility – iOS 9 and higher, Android 4.4 and higher;
• control type – touch;
• screen diagonal – 0.95 inches;
• sensors – heart rate monitor, accelerometer, GPS, gyroscope;
• additionally - alarm clock, change of dial design, reminder of inactivity.

pros

• Accurately monitors body parameters;
• compact;
• powerful battery;
• simple controls;
• stylish design.

Minuses

• non-replaceable strap.

Xiaomi Mi Band 3 NFC

The miniature model does its job well. Several different modes help you keep track

heart rate, number of steps, calorie consumption.

The durable sealed case and soft silicone strap significantly increase the service life of the device. The sleep phase tracking function will help normalize it, which will have a positive effect on the state of the body.

A powerful battery allows you to use the device for up to 20 days without the need to recharge. In addition, the device allows you to receive incoming calls and respond to SMS. The built-in application will help you set important events and remind you of them in time.

Specifications:

• OS compatibility – iOS 9 and higher, Android 4.4 and higher;
• control type – touch;
• screen diagonal – 0.78 inches;
• sensors – heart rate monitor, accelerometer;
• additionally - timer, weather, date and time display, clock, alarm clock, rest reminder, setting goals.

pros

• lungs;
• ease of operation;
• powerful battery;
• multifunctionality;
• There is a phone search function.

Minuses

• low screen brightness in the sun.

Sony SmartBand 2 SWR12

The model, made in white and black colors, makes it possible to track as accurately as possible

user's physical activity.

The sealed housing reliably protects the mechanism from dust and moisture. A smart alarm clock organizes awakening at the optimal sleep phase.

The comfortable hypoallergenic rubber strap can be adjusted to fit your wrist size. Through the device you can receive incoming calls, monitor the operation of applications and listen to your favorite songs.

Specifications:

• OS compatibility – iOS 8.2 and higher, Android 4.0 and higher;
• control type – electronic;
• screen diagonal – 0.78 inches;
• sensors – heart rate monitor, sleep phase tracking, number of steps;
• additionally – LED indicator, remote control of tracks.

pros

• comfortable strap;
• clear controls;
• multifunctionality;
• stylish design;
• powerful battery.

Minuses

• not detected.

Apple Watch Series 3

• Works quickly and easily with all iOS.
• In addition to the touch buttons, there are a couple of physical buttons that make operation easier.
• Wide diagonal of 1.5 inches.
• An optimized system that quickly responds to all user commands.
• Well, the whole set from a gyroscope to a heart rate monitor and an accelerometer to an altimeter.
• Installed applications that allow you to read messages on social networks.

• They cost more than competitors, but have the same functionality.
• They look cheap.
• There is a problem with some Android smartphones.

A truly smart watch from Apple. They work almost all day on one battery with active use. Special programs can track your activity and provide tips for achieving sports results. There is an emergency call function, as well as a navigator. Ability to play music and answer calls.

Smart watch review

The top positions in the ranking of the best are occupied by smart watches with NFC, which are distinguished by high-quality assembly, versatility, ease of wearing and having several different modes.

Amazfit GTS

A stylish black model that fits comfortably on your hand and is extremely easy to use. Big choice

sports modes make the device indispensable for lovers of an active lifestyle. This model is highly reliable for 2021-2022.

The device is capable of monitoring the owner’s physical activity and promptly reminds of the need to change activities.

The built-in weather tracking informer will warn you about weather changes in time. The powerful battery allows the watch to work for up to 45 hours without the need for recharging.

The screen has a fairly large diagonal and a bright display that will allow you to easily track the necessary information.

Specifications:

• OS compatibility – Android 5.0 and higher, iOS 10 and higher;
• control type – touch;
• screen diagonal – 1.65 inches;
• sensors – heart rate, light, accelerometer;
• additionally – notifications from applications, about calls and SMS, music playback control.

pros

• multifunctionality;
• 12 sports modes;
• simple controls;
• stylish design;
• sealed housing.

Minuses

• fragile strap.

Samsung Galaxy Watch (46 mm)

A smart watch made in silver and black tones will become simply an indispensable assistant. Device other than display

time is equipped with a wide range of functions.

Several types of controls (electronic, touch, mechanical) greatly simplify the operation of the device. Various sensors allow you to track your heart rate, light levels, atmospheric pressure and much more.

The sealed shockproof case will reliably protect the mechanism from dust and moisture, and from damage if accidentally dropped. Support for different operating systems allows you to synchronize your watch with almost any data-transmitting device.

Specifications:

• OS compatibility – Android 5.0 and higher, iOS 9 and higher;
• type of control – touch, electronic, mechanical;
• screen diagonal – 1.3 inches;
• sensors – heart rate, light, accelerometer, GLONASS, gyroscope, GPS, accelerometer;
• additionally - alarm clock, weather, schedule, calendar, reminders.

pros

• capacious battery;
• large selection of dial variations;
• many applications;
• several control options;
• compatible with almost all operating systems.

Minuses

• poor quality strap.

Apple Watch Series 3 38mm Aluminum Case with Sport Band

The smart watch in a snow-white case can work uninterruptedly for up to 18 hours without the need for recharging.

The device is capable of tracking health status, weather measurements, physical activity and much more.

The built-in navigator will help you plan a route and easily navigate in unfamiliar areas.

Several sports modes will help you measure performance during training. The "Emergency Call" function will provide quick communication with the rescue service in case of an emergency.

The Apple Music app allows you to listen to your favorite songs at any time.

Specifications:

• OS compatibility – iOS;
• control type – touch;
• screen diagonal – 1.5 inches;
• sensors – heart rate monitor, light measurement, altimeter, gyroscope, accelerometer;
• additionally - weather, Twitter, Facebook, calendar, mail, SMS.

pros

• good, bright font;
• high-quality assembly;
• stylish design;
• fast response;
• multifunctionality.

Minuses

• weak battery.

Apple Watch Series 5 GPS 44mm Aluminum Case with Sport Band

The original model, made in a variety of colors, will not only decorate the hand of any user

age and gender, but will also become his indispensable assistant.

The device is capable of monitoring physical activity, calories and sleep duration, which will help you better organize your daily routine.

Several different sensors (altimeter, heart rate monitor, lighting) will help monitor your health and promptly notify you of weather changes.

The sealed case reliably protects the mechanism from moisture, which makes it possible to use the watch in rainy weather and in the pool.

Specifications:

• OS compatibility – iOS 13 and higher;
• type of control – touch, mechanical;
• screen diagonal – 1.5 inches;
• sensors – heart rate monitor, light measurement, altimeter, gyroscope, accelerometer;
• additionally - weather, Twitter, Facebook, calendar, mail, SMS.

pros

• excellent monitoring of sports training;
• comfortable strap;
• large screen;
• voice control capability;
• quick response.

Minuses

• weak battery;
• Over time, scratches may appear on the glass.

Samsung Galaxy Watch (42 mm)

An elegant model in a gold case and with a soft pink strap will look great on a woman’s hand.

A large number of sports modes (39 pcs.) will allow you to monitor physical activity when playing almost any sport. The night sleep analyzer function will allow you to calculate the optimal time that the body needs to recover.

The ability to place a to-do list and set reminders will help you not to miss important moments during the day. A summary of events makes it possible to analyze your health status, physical activity and sports training results for the day and will help you adjust the events of the next day.

Specifications:

• OS compatibility – iOS, Android;
• control type – mechanical;
• screen diagonal – 1.8 inches;
• sensors – heart rate monitor, light measurement, altimeter, gyroscope, accelerometer;
• additionally - weather, Twitter, Facebook, calendar, mail, SMS.

pros

• original design;
• high-quality assembly;
• it is possible to make and receive calls;
• the battery holds a charge for a long time;
• sealed housing.

Minuses

• few third party applications.

Samsung Galaxy Watch Active

The stylish model, made in black, is a multitasking and multifunctional device.

The device will help not only track physical activity, but also stress levels, heart rate, calorie consumption and much more. All data is displayed both on the display and in a special application on the smartphone.

A high degree of water resistance allows you to use the watch both in inclement weather and in the pool. A powerful battery allows you to use the device for up to 90 hours without the need to recharge.

Several types of wireless communications (NFC, Bluetooth, Wi-Fi) significantly expand the device's connectivity options.

Specifications:

• OS compatibility – iOS, Android;
• control type – touch;
• screen diagonal – 1.1 inches;
• sensors – GPS, Beidou, Galileo, GLONASS, barometer, heart rate monitor, gyroscope, illumination, accelerometer;
• additionally - alarm clock, calendar, time, notifications from applications, calls and SMS.

pros

• lungs;
• powerful battery;
• multifunctionality;
• wireless charger;
• ease of operation.

Minuses

• Not a very comfortable strap.

Garmin Vivoactive 3

The model in a durable, sealed case can be used for sports training of any kind.

The device helps to set up individual physical activity thanks to the presence of a heart rate monitor and thermometer. Monitoring night sleep will help improve its quality and calculate the duration necessary for normal well-being.

The wide, bright screen will help you easily keep track of all the necessary information. The presence of a large number of sensors and additional functions makes the device multifunctional. The soft silicone strap allows the watch to fit comfortably on your hand.

Specifications:

• OS compatibility – iOS, Android;
• control type – touch;
• screen diagonal – 1.2 inches;
• sensors – GLONASS, thermometer, altimeter, heart rate monitor, accelerometer, GPS, compass;
• additionally - timer, weather, date and time display, stopwatch, alarm clock, smartphone search.

pros

• geolocation;
• there is a mode for swimmers;
• durable body;
• ease of operation;
• powerful battery.

Minuses

• not detected.

How to set up and use your device

For a Chinese user, the contactless payment setup looks like this:

1. Install the application on your smartphone (for Xiaomi this will be MiFit).
2. Log in or register for an account.
3. Pair the tracker with your smartphone.
4. Go to watch face settings.
5. Select “Card emulation” or “Transport card” depending on the task.
6. Bring the bracelet to the means of payment so that it reads it.
7. After this, the card will be added to the application.
8. Next, go through identification according to the prompts.

Many craftsmen still find ways to integrate NFC payment into trackers using a homemade method. To do this, you need to issue a contactless card from any bank, add it to a regular payment application, then cut out a chip from it and simply glue it or put it under the bracelet strap.

realme C15

realme C15 is a truly modern smartphone with NFC, relevant in 2022. The model will cost an average of 12,000 rubles and offers decent characteristics.

It has 4 GB of RAM and 64 GB of permanent memory, as well as a fast MediaTek Helio G35 processor. For taking photos and videos, there is a quad camera with 13+8+2+2 MP sensors. The triple slot can accommodate two SIM cards and a microSD memory card up to 512 GB. The battery is powerful, 6000 mAh, so a full charge will last for a day or two of work, even with active use of the smartphone. 6.5-inch display with a resolution of 1600x720 pixels. It looks very standard: the front camera is fitted into a drop-shaped notch.

NFC ring you can use to pay

Rings are modern gadgets with NFC that work in conjunction with a smartphone. The device can both transmit any data and trigger certain actions: it can store telephone contacts, logins and passwords for logging into email, social networks, and other personal information; it can be used as a pass, travel card, and also to exchange messages and share business cards. In addition, you can pay for purchases using a smart ring with built-in NFC.

Smart rings that support payment functionality are not as widespread as, for example, NFC-enabled smartphones or smartwatches. However, today the popularity of this device is increasing.

Xenxo S-Ring

Price: $189

This smart ring has been called the “smartest miniature gadget” because it contains 12 different features. The ring was first presented at the end of May of this year, and it can still be purchased as part of pre-order.

An unusual feature of the smart ring is the ability to receive and make calls. At the same time, the conversation can be reproduced even at some distance, thanks to the powerful speaker. The Xenxo S-Ring can also be used to pay for goods in stores using the NFC chip. To do this, just link your bank card details to your smart device via your phone. In addition, the smart decoration is compatible with Apple Siri and Google Assistant voice assistants. And thanks to the large amount of memory - 4GB, it can be used as a flash drive to store any files. According to the manufacturer, charging the battery lasts for a maximum of 6 days.

Token Ring

Price: $249; additional coverage - $300.

Smart ring Token Ring. Photo: digitaltrends.com

On the inside of the smart ring there is a fingerprint scanner that operates according to the EAL+5 security standard. Thus, if the user removes the smart jewelry, all functions are automatically blocked. When he puts the ring back on, the functions are activated accordingly. There is a fingerprint sensor on the outside of the Token Ring.

Functions:

• contactless payment for purchases: has a partnership agreement with payment companies Mastercard and Visa; travel payment;
• serves as a pass: the user will be able to open the rooms to which he has access;
• password activation on PCs and tablets that support Windows OS;
• using the device you can open the car.

The smart ring can be purchased on the website of the developer Tokenize Inc. on pre-order.

Kerv Ring

Price: from $66

Kerv smart ring. Photo: businessinsider.com.au

The accessory is available in several colors: black, white, red, pink, blue, yellow, green. The smart ring has a built-in NFC chip and also supports the EMV security standard. Using smart jewelry, you can pay for purchases by holding it near a contactless reader. In this case, the money is debited from the user's Kerv Ring prepaid account. And the Kerv mobile application, linked to the client account, notifies the user of all expenses. In the application, you can set a spending limit, exceeding which the program will ask you to enter a PIN code.

In addition to payments, the Kerv smart ring can be used to pay in public transport and open electronic door locks. However, such gadgets with NFC can be used as a payment device for now only in the UK. The developer's website says that payments using Kerv will soon be available throughout Europe.

It is worth noting that in Ukraine, back in June, Oschadbank began accepting pre-orders for rings for contactless payment. It is noted that the device should appear by the end of 2022, and premium clients of the bank will be able to receive it.

Amazfit GTS

• Works both with Android version 5.0 and higher, and with the new iOS version 10 and older.
• Wide diagonal of 1.65 inches.
• You can view the list of calls, answer them, read SMS.
• Everything you need for sports: heart rate tracking, accelerometer and special programs for sports.

• A very unreliable strap that will fail after some time. But it can be changed.

Convenient square display. Let me remind you that this is not just a watch, but a smart smartwatch. The square display allows you to see more information: time, temperature, pulse, and also track your sports achievements. The rechargeable battery allows you to work for almost 45 hours without recharging.

Samsung Galaxy Watch (42)

• Works with almost all modern phones.
• Convenient controls.
• Wide diagonal of 1.8 inches.
• Beautiful and stylish design.
• You can make and receive calls.
• Completely sealed housing.

• Stinging price.
• There are enough installed applications, but not that many.

The number shows the screen diagonal – 42 millimeters. In appearance they are no different from ordinary quality watches. More than 30 sports modes. Powerful hardware allows you to open and work with several applications at once without freezes or lags. Convenient reminders that allow you to plan your day in advance.

What banks issue?

NSF bracelets for bank cards are issued by three banks.

Sberbank

The series of devices is presented in black, white and pink colors, and waterproof silicone is used for manufacturing. When making payments up to one thousand rubles, entering a PIN code is not required. It was planned to produce bracelets in limited quantities, but with the onset of 2022, the sale of bracelets was stopped.

It is believed that the reason for this was competition with foreign devices.

Alfa Bank

Clients are offered Pay Pass bracelets from Alfa Bank for performing non-cash transactions without using a card, available in red, yellow and black.

The device has a Minitag mini-card linked to your account. The bracelet is issued for use to clients who have issued a NEXT youth card. It is possible to buy the product yourself by ordering it at a bank office.

Tinkoff

Tinkoff Bank is considered a pioneer of the contactless payment movement on Russian territory. Having made remoteness the main focus when servicing clients, the bank contributed to the development of NFC technology, today selling two versions of bracelets for Black or Platinum cards.

VTB Bank offered bracelets to users in 2016, but later stopped doing this.

HUAWEI P30 lite

Light models of flagship lines always have a good price-quality ratio. And if the Huawei P30, which was at the peak of popularity in 2022, will cost you a tidy sum, then the P30 Lite is already sold for an average of 19,000 rubles. The cameras here are not as cool as those in the older model, but they are still good - much better than in many budget phones. It uses three main modules with a resolution of 28+8+2 megapixels and a front camera with a record 32 megapixels.

The smartphone works with Google services (it was released before the heyday of sanctions) and is equipped with a decent amount of memory of 4/128 GB. The eight-core HiSilicon Kirin 710 processor handles smooth system operation and multitasking well - you can even play popular games like Tanks at comfortable settings.

By the way, a little more useful information about smartphones:

• Which Honor is better to buy: choose a model for any budget
• Rating of mobile processors: from flagship to budget