Budget
Track income, expenses, and where this month's money goes
NET SAVINGS · —
TARGET BUDGET SET +
$0
SURPLUS
Total Income
$0
Total Expenses
$0
Fundamentals
$0
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Fun
$0
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Future
$0
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Deploy This Month

Savings potential

Every month a surplus sits uninvested is a month of compounding you don't get back. Here is what yours would be worth in the S&P 500 instead.

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Income vs Expenses
12-month trend
Income
Expenses
Profit Zone
Loss Zone
Avg Income
Avg Expenses
Avg Surplus
Money Flow
Enter income and expenses to see the flow
Monthly Waterfall
income → expenses → net
Income
Fundamentals
Fun
Future
Net
🔮 What-If Scenarios▼
Income0%
Expenses0%
Projected Savings
$0
Savings Rate
0%
Status
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Annual Budget Overview
Reports
Profit & Loss — income and expense breakdown by period
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Category Changes
Insights
What your statements say about your habits
AT A GLANCE
Where you stand
LIFESTYLE INFLATION
Are your expenses outpacing your income?
Your average month over the last 12 against the 12 before that. Both sides average only the months that have data.
SPENDING ANOMALIES
Last 6 months' outliers
Categories that deviated more than 35% above their 6-month rolling average over the last 6 months.
RECURRING CHARGES
Subscription audit
The same amount from the same company, charged on about the same day, three or more months in a row. Transfers and anything that has stopped charging are left out.
RENEGOTIATION
Fixed costs worth reviewing
Insurance, phone and internet, utilities, gym memberships and bank fees: bills a single call can often cut by 10–25%. Found by company name in your statements, or by the budget line you filed them under.
CATEGORY DRIFT
How your spending mix is shifting
Stacked by category — the total height is your income. An expanding band means that category is consuming more of each dollar you earn. When savings goes negative, the stack breaches the income line.
MERCHANT INTELLIGENCE
Where your money actually goes
Your most-visited vendors over the last 12 months, parsed from imported transactions — ranked by how often you transact with them. Tap any merchant to see every individual visit. The names you see most are where small changes compound fastest.
WHEN YOU SPEND
Your spending rhythm
Day-of-week and day-of-month patterns across the last 6 months of imported transactions. Habitual windows — the weekend splurge, the post-payday surge — surface here.
Goals
Track progress toward your financial milestones
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