The Money Tracker
Find where your money goes and save more for the future.
$0
How much you save: 0.0%
Total Money In
$0
Total Money Out
$0
Money You Get Each Month
Enter how much money you get after taxes.
Things You Pay For
Budget Health Audit
Spending Breakdown
The Cost of Your Surplus
If you invested your monthly surplus ($0) at a 10% annual return, here is what it could become:
10 Years
$0
20 Years
$0
30 Years
$0
Assumes monthly compounding at 10% annual return. This is the "opportunity cost" of spending your surplus instead of investing it.
The Truth About Your Money
The 50/30/20 Rule
This rule helps you stay safe. If your "Must-Haves" are more than 50%, you might be spending too much. If your "Future Money" is less than 20%, you aren't saving enough for later.
Finding Small Leaks
Small things like coffee or apps can add up fast. Give every dollar a job so you know where it's going!
How to use this tool
1. Be very honest
Type in exactly how much money you get and how much you spend. Don't guess—use real numbers!
2. Pick the right group
Put each cost into Must-Haves (things you need), Fun Stuff (things you want), or Future Money (savings).
3. Check your results
Look at the Budget Health Audit. If a bar turns red, you are spending too much in that group.