Track income, expenses and investments by category. This free cash flow tracker shows your savings rate, spending trends and how much cash you keep. Export and share your charts as JPG images.
See what you earn, where you spend and how much you save with a free income and expense tracker. Track investments alongside spending, explore cash flow charts and export them as JPG images. Your financial data stays on your device, with no account or bank connection required.
Record income, expenses and investment contributions with categories and optional subcategories. Each entry keeps its currency, and reporting converts amounts into your chosen display currency.
Savings rate is income minus expenses, divided by income. Investment contributions are transfers into assets rather than expenses, so they do not reduce that rate. Cash retained also subtracts investment contributions. Missing entries can change every one of these figures.
The projection can suggest a monthly investment contribution based on your average recorded savings. Choose Apply to investments to copy the suggestion into the plan; later cash-flow edits do not update it automatically. CSV imports require the column format described in the FAQ.
Take-home or gross pay: entering net salary gives a savings rate on the money that reaches your account. Entering gross salary with income tax as an expense gives a lower rate for the same saving, because tax then counts as spending. Either works if you keep to one.
Salary-sacrifice and employer pension contributions never pass through your account. To count them, record each as both income and an investment: the savings rate rises and cash retained stays the same.
Credit cards: record purchases as expenses in the month you make them, or record the monthly repayment as a single Debt expense. Recording both counts the same spending twice.