Free monthly budget tracker
Type in what you spent, tag it with a category of your own wording, and see where the month actually went. No spreadsheet, no bank connection, no card details - and no charge, in dollars or in SMO.
Sign in - free Create a free accountA free account holds your entries privately. Signing up also credits 500 SMO, and checking in the next day adds 100 more.
What a month looks like
Say you add $1,450 Rent, $320 Groceries, $180 Groceries, $95 Transport and $60 Coffee. The summary reads $2,105 for the month, and the by-category panel puts Groceries at $500 on a bar half the length of Rent's. The pattern you are looking for is usually the second bar down, not the first - rent is not the surprise.
What it does, precisely
- One entry is an amount in whole dollars, a category, the date it happened, and an optional description.
- A month picker moves between months; each month totals and breaks down on its own.
- The by-category view ranks categories by spend and draws each as a proportional bar.
- Entries list newest first and page in as you scroll, so a long month stays fast.
- Up to 5,000 entries per account - roughly eleven years at fifteen expenses a month.
Why a category you typed beats a category we chose
Fixed category lists fail in a specific way: the spend that matters to you has no home in them, so it gets filed under Other and disappears from the very breakdown meant to expose it. Here the category is free text. If your problem is called Takeaway, the chart says Takeaway.
Related
- Income allocator — the other half of the same question. This page records what you did spend; the allocator plans what you intend to spend, splitting take-home pay by percentage from the 50/30/20 rule. It needs no account at all.
- Notes — 500 personal notes that link to each other.
- Paycheck calculator — what actually lands in the account the allocator then splits.
Frequently asked questions
Is the budget tracker free?
Yes. It costs no SMO to add, edit or delete an entry, and there is no paid tier - the 5,000-entry ceiling is a sanity bound on a free feature, not a price. An account is required only so the entries have somewhere private to live.
Do I have to categorise every expense by hand?
You type the category yourself rather than picking from a fixed list, so it matches how you actually think about your money. Reuse the same word and the breakdown groups them; the by-category bars are worked out from whatever categories you used that month.
Can anyone else see my entries?
No. Every entry is stored against your account and read back only with your own sign-in. There is no sharing, no public view and no export to anyone else.
📊 My Budget
Add an expense
Amount, category, and the date it happened - description is optional.