One question, one answer: how much do I have left to spend this week?
Enter your monthly take-home income, then subtract fixed expenses like rent, utilities, subscriptions, and loan payments. The tracker divides the remainder into a daily spending allowance so you always know exactly how much discretionary money you have left for the week.
All data stays in your browser — nothing is sent to a server and no account is required.
Studies show that people who actively log their spending save an average of 15–20% more per month. Tracking reveals hidden spending patterns — subscription creep, food delivery costs, and impulse purchases — that are easy to miss when paying by card. Even a simple weekly check-in with a budget tracker can accelerate savings goals significantly.
Daily logging gives the most accurate picture, but even a weekly review catches most overspending. The key is consistency — pick a frequency you can maintain long-term rather than doing it intensively for a week and stopping.
The standard categories used by the Consumer Expenditure Survey (CEX) are: housing, food, transportation, healthcare, entertainment, and personal care. For most households, housing and transportation alone account for over 50% of spending — start tracking those first.
The 50/30/20 rule is a widely used US benchmark: 50% of after-tax income to needs, 30% to wants, and 20% to savings and debt repayment. If that's not achievable right away, even starting at 5–10% saved automatically on payday builds a meaningful emergency fund within a year.
