Money in, money out
Log your salary, side income and dividends next to your expenses. Each month shows what came in, what went out, the net and your savings rate.
Free feature Cashflow diagram and insights in Premium
See where your money actually goes
Log what comes in next to what goes out. Every month shows your savings rate, where the income went and what changed, so you know what you keep, not just what you spend.
Free to start · No credit card · Any currency
September cashflow
Money in $7,345 / month
Spent$3,055
Moved to savings$1,200
Kept$3,090
Savings rate58.4%
An expense list tells you what you spent. It cannot tell you whether you are getting ahead. Cashflow puts your income on the same page, keeps money you set aside apart from spending, and turns the month into one number that matters: your savings rate.
What you get
Income, spending and savings in one view
Everything a month of money needs, from the first coffee to the salary.
Savings are not spending
Money you put aside (a savings account, a pension plan, an ETF plan) is its own kind of entry. It never counts as spending, so it never lowers your savings rate.
Where it went
One bar splits each month's income into spent, saved and kept, per 100 earned. A donut breaks spending down by category; tap a slice to filter the list.
Cashflow diagram
Follow the month's income into every spending category, your savings and what you kept, in one flow diagram. On a phone it runs top to bottom. Premium.
A year at a glance
Income against spending for every month, with the net and the months that ended negative, plus your savings rate trend against its three-month average. Premium shows 12 months.
What changed this month
The categories that moved against your own typical month, a savings rate above or below your average, your track record of positive months, and what went into your portfolio. Premium.
How it works
From a few entries to a clear month
Five minutes to set up, a few seconds per entry after that.
1
Log income and expenses
Add entries in one line with the quick add, set up rent and salary once as recurring entries, or import a CSV or Excel export from your bank.
2
Put savings aside
Mark transfers to savings or investments as Savings. If you already used a "Savings & Investments" category, one click moves it over.
3
Read the month
The summary shows money in, money out, net and savings rate. Switch between the spending donut and the cashflow diagram to see where it went.
4
Follow the trend
The history and savings rate charts show whether you are getting ahead, and the insights point at the categories that changed.
Free and Premium
What is free and what is Premium
Tracking your money is free. Premium adds the views that explain it over time.
| Free | Premium | |
|---|---|---|
| Income, expenses and savings | Unlimited entries | Unlimited entries |
| Month summary and savings rate | Included | Included |
| Spending by category | Included | Included |
| History | Last 3 months | Last 12 months |
| Cashflow diagram | Preview | Included |
| Savings rate trend and insights | Preview | Included |
| Own categories | 10 plus the defaults | Unlimited |
| Budgets and recurring entries | Not included | Included |
Premium comes with a 7-day free trial. Shared household accounts are part of Premium too.
Why not a spreadsheet?
Cashflow tracker vs a budgeting spreadsheet
Most people start with a spreadsheet. Here is where it stops helping.
The spreadsheet
Income sits on one tab and expenses on another, transfers to savings get counted as spending, and the savings rate is a formula that breaks the month you add a row. Nobody keeps it up past March.
The tracker
One line per entry from your phone, savings kept apart automatically, amounts in any currency converted for you, and the month's savings rate, flow and insights ready the moment you open it.
Who can see my income and expenses?
Only you, and the members you invite to a shared account. Entries are protected by row-level security in the database, so they are readable by the account's members and nobody else. Your measured savings rate also feeds your dashboard and the path to financial independence, and stays private there too.
Frequently asked questions
What is the difference between an expense tracker and a cashflow tracker?+
An expense tracker records what you spend. A cashflow tracker also records what comes in, so it can tell you what you kept. That is the savings rate: the share of your income you did not spend. It is the number that decides how fast you build wealth.
How is the savings rate calculated?+
Income minus spending, divided by income, for the month. Money you move to savings or investments does not count as spending, so putting money aside never lowers the rate. A month that is still running shows the rate so far.
What should I mark as Savings?+
Money you put aside rather than spend: transfers to a savings account, pension contributions, an ETF savings plan or a broker deposit. It is shown apart from spending, in its own color, and counts towards what you kept.
Can I track income in different currencies?+
Yes. Enter each amount in the currency it was paid in. Totals, charts and the savings rate are converted to your preferred currency with current exchange rates.
Can I import my bank transactions?+
Yes. Import a CSV or Excel export from your bank. You map the columns once, and credits can be kept as income instead of being dropped.
What is included for free?+
Unlimited income, expense and savings entries, the month summary with your savings rate, the flow bar, spending by category and three months of history. Premium adds the cashflow diagram, the savings rate trend, monthly insights, 12 months of history, budgets, recurring entries and unlimited categories.
Does it work with my portfolio?+
Yes. If you track your investments here too, each month's purchases are matched against what you logged as savings, the dividends your holdings paid are offered as an income entry, and payments to a broker or savings account are recognised as Savings when you import a bank export.
Does it connect to my bank?+
No. Nothing is read from your bank account. You add entries yourself or import a file, which keeps your banking credentials out of it entirely.
Is there a mobile app?+
The tracker is a web app that works on any phone. You can add it to your home screen for app-like access, and the cashflow diagram switches to a top-to-bottom layout on small screens.
Know what you keep each month
Create a free account, log a salary and a few expenses, and see your first savings rate in minutes.
Free to start · Premium has a 7-day free trial
Amounts in the preview are illustrative. The savings rate is a measure of your own entries, not financial advice.