See exactly where your money goes

Track recurring expenses and categorize them by Needs, Wants, Debt, and Investing to follow the 50/30/20 framework. You cannot follow it if you do not know what you are spending.

Built on the 50/30/20 Framework

The 50/30/20 rule - 50% needs, 30% wants, 20% savings - is a proven framework. But you cannot follow it if you do not know what you are spending. Categorizing expenses makes invisible spending visible.

Needs

50%

Essential expenses you cannot skip - housing, utilities, groceries, insurance.

Wants

30%

Nice-to-have spending - dining out, entertainment, subscriptions.

Debt

Loan and credit card payments. Track installment and revolving debts with payoff projections.

Investing

20%

Recurring transfers to investment or retirement accounts - 401(k), IRA, brokerage.

Overview at a Glance

At the top of the expenses page, see your total monthly expenses, category breakdown with color-coded dots and percentages, subscription costs (monthly and annual), and items needing attention. Use the pill-shaped "View Details" buttons to drill into subscriptions or attention items.

Powerful Debt Tracking

Mark expenses as debt and choose between Installment (loans with fixed payments) or Revolving (credit cards). Add balance, APR, and payment details to unlock payoff calculations.

Installment Loans

For mortgages and loans with escrow, enter the non-principal portion so payoff calculations use only P+I. Link to an asset to see equity and track both sides of secured debt.

Revolving Credit

Add your credit limit to see utilization percentage - Good (<30%), Caution (30-70%), or High (>70%). Track 0% APR promo balances with expiration dates and get alerts when promos are ending soon.

Payoff Insights

See months to payoff with projected date, monthly interest vs principal breakdown, and high interest warnings when more than 50% of your payment goes to interest.

Flexible Recurrence

Set expenses to recur on your schedule. The app calculates when each expense appears on your dashboard and calendar.

Monthly (most common)

Quarterly (every 3 months)

Annual (once a year)

Weekly

Bi-weekly

Semi-monthly

One-time

Tools That Keep You in Control

Subscription Tracking

Mark expenses as subscriptions to see total subscription costs in Insights. Add cancellation deadlines to get reminders before auto-renewals. Great for cutting forgotten subscriptions.

Paid by Credit Card

Link expenses to a revolving debt to see which hit your credit card vs your bank account. Dashboard shows a credit card icon so you know paying the expense does not reduce your cash - you will pay it when the bill is due.

Lump Sum Calculator

Planning an extra payment? The Lump Sum Calculator shows exactly how much time and interest you will save - including impact on months to payoff, total interest, and credit utilization for cards.

Pause and Archive

Life changes. Your expenses should adapt with you.

Pause

Temporarily exclude an expense from budgets - perfect for seasonal expenses like a gym membership you pause over winter.

Review Tab

The Review tab surfaces items that need your attention so nothing slips through the cracks.

Expenses not updated in 30+ days

Debts with high interest rates or high utilization

Subscriptions with upcoming cancellation deadlines

Regularly review to keep amounts accurate and catch issues early.

Make invisible spending visible

Categorize expenses, track debt payoff, and catch forgotten subscriptions - all in one place.

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