For Emergency
Money you put aside for the unexpected — and for your future.
💡 Small savings each month create big results over time.
Free tool
Personal Finance Tracker Basic
My Excel personal tracker, rebuilt as a web app. Plan where your income should go, record what really happens, and see each month on one Dashboard — on your phone or computer.
Three groups. Every dollar has a job.
Split your income between three groups, as a % or an amount. You set For Emergency and Essentials; Invest in Yourself is what’s left, so it always adds up to 100%.
Essentials
Rent, groceries, bills, loans and everything you need to live.
💡 Spend on what matters, save for what matters more.
Invest in Yourself
Dining out, trips, hobbies, learning — the things that make life good.
💡 The goal isn’t to die with a lot of money—it’s to enjoy your life wisely.
How it works
Plan
Enter your starting month, your income sources, and how much goes to each group. Your plan rolls forward month to month until you change it.
Track
Record income and spending as it happens. Moving money between your own accounts is a transfer, so it never counts as spending.
Dashboard
See target vs actual for every group, with a straight answer: “You need to save further…” or “Bad! You exceeded the Budget”.
“A budget is a plan for your goals, not a limit on your life.”
Good to know
Is it really free?
Yes. The Basic tracker is free.
Can I use my own categories?
Yes. It starts with common ones (Groceries, Rent, Dining Out…) and you can add, rename, reorder or archive them in each group.
What about refunds and withdrawals?
Enter them as a minus figure. A refund on groceries reduces Essentials; taking money out of savings reduces For Emergency.
Which currency does it use?
It picks one from your location when you start, and you can change it in Settings.
Can I get my data out?
Any time — download your transactions as a CSV for Excel or Google Sheets from Settings.
“Control your money before it controls you.”