Jan – Dec · one sheet
Type it once.
See the whole year.
The monthly income-and-expense grid your spreadsheet used to be — priority tags, year-over-year trends and a savings simulator, all wired to the same numbers. This demo household has kept $5,889 so far this year — the dashboard beside you is live.
Google sign-in · your data only · nothing to import
October 2026 · Month 10 of 12
You’ve kept $5,889 of the $110,580 you’ve earned this year.
Net kept per month · click a month to open it in Budget
Left over spend
9%$5,889
$589 / mo · 10 months
- Income
- $110,580
- Spend
- $83,441
- Saved
- $21,250
Income efficiency
$21,250 saved · $1,280 passive
Top expenses
- Mortgage & property tax$26,500
- Childcare$13,500
- Groceries$10,505
Top 3 = 61% of spend
Per month, on average
- Income
- $11,058
- Spend
- $8,344
- Saved
- $2,125
- Projected 2027 spend
- $100,147
Cashflow by month
2026 · what came in, what went out, what you kept
No entries yet for Nov – Dec
Where it goes
2026 spend by priority
Movers vs 2025
Same 10 months last year, biggest changes
Rising
Falling
Excel-fast entry
Arrow keys, Tab, fill-drag across months — the grid works like the sheet it replaces.
One-click year rollover
Start January from last year — copied as-is, or grown by each line's own growth rate.
Savings that carry forward
Accounts keep a running balance year to year, opening balance included.
Pick your currency
The grid works in whatever you budget in — USD, EUR, NOK or SEK, chosen in Settings. Every amount across the app is labeled to match.
Overview
Your personal economy, read at a glance
Everything in the dashboard above is computed from the grid — no second bookkeeping, no formulas to reconcile.
Cashflow
Income vs spend, month over month, with the kept line running on top.
Savings rate
Savings ÷ the income lines you choose to count.
Spend pace
This year's spending against the same months last year.
Left over
What remains after spending and saving — per month and for the year.
Biggest posts
Your top expenses, named and ranked.
Rising costs
The lines creeping up on you, caught early.
Budget
Every line, ranked by what actually has to stay
Split income into active and passive. Tag each expense Essential, Standard or Non-essential — once. Track savings beside them and the savings rate computes itself. Sub-lines when you need them: Subscriptions becomes Netflix, Spotify, HBO.
| Income | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Salary — Maya | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 6,150 | 73,800 |
DividendsPassive | 420 | 465 | 395 | 585 | 1,865 | ||||||||
| Sum income | 6,150 | 6,150 | 6,570 | 6,150 | 6,150 | 6,150 | 6,615 | 6,150 | 6,545 | 6,150 | 6,150 | 6,735 | 75,665 |
| Expenses | |||||||||||||
GroceriesEssential | 1,035 | 1,010 | 1,105 | 1,040 | 1,025 | 1,080 | 1,095 | 1,050 | 1,020 | 1,140 | 1,185 | 11,785 | |
Health insuranceEssential | 620 | 620 | 620 | 620 | 620 | 620 | 620 | 620 | 620 | 620 | 620 | 620 | 7,440 |
SubscriptionsNon-essential | 60 | 60 | 60 | 60 | 60 | 60 | 60 | 60 | 60 | 60 | 60 | 60 | 720 |
Netflix | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 276 |
Spotify | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 240 |
| Sum expenses | 1,715 | 1,690 | 1,785 | 1,720 | 1,705 | 1,760 | 1,775 | 1,730 | 1,700 | 680 | 1,820 | 1,865 | 19,945 |
| Savings | |||||||||||||
Index fundsIncoming 84,500 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 104,900 |
| Sum savings | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 20,400 |
| Left over spend | 2,735 | 2,760 | 3,085 | 2,730 | 2,745 | 2,690 | 3,140 | 2,720 | 3,145 | 3,770 | 2,630 | 3,170 | 35,320 |
2026 · the whole year on one sheet
Income
How strong is the engine?
Active and passive income, and how each grows over time. A tax tracker for income vs tax, year over year. And the ratio that matters in a downturn: how many times income covers the spending that has to stay.
Expense
What’s creeping up on you
Compare expenses year over year, by category and timeframe. Focus one priority tier and every figure follows — totals, chart, projections. Each line’s own growth rate, carried one year forward, says what next year costs if nothing changes.
| Category | Share of spend | 2025 | Trend | CAGR | 2026 proj. |
|---|---|---|---|---|---|
| Mortgage & property tax | 32% | 31,238 | +2% | 31,800 | |
| Childcare | 16% | 15,502 | +4% | 16,199 | |
| Groceries | 13% | 12,432 | +3% | 12,830 | |
| Car, fuel & insurance | 12% | 11,248 | +4% | 11,720 | |
| Health insurance | 7% | 7,006 | +6% | 7,441 |
Simulator
What if you cut it?
Switch off non-essentials and watch the freed-up cash — predictions and calculations before you commit to cutting anything. It’s doing exactly that, on its own, right below.
You would save
$0
$0 per month · 0 lines off
You would save $0 per year
Spend as share of income
- Spend now
- $83,441
- Simulated spend
- $83,441
- New left over
- $27,139was $27,139
Next biggest wins
Largest lines still switched on
- Mortgage & property tax$26,500
- Childcare$13,500
- Groceries$10,505
Expense lines
Grouped by priority — switch a line off to add it to your scenario
- Eating out$4,045
- Travel & vacation$3,340
- Gym$850
- Subscriptions$600
- Netflix$230
- Spotify$200
- HBO Max$170
- Car, fuel & insurance$9,775
- Student loans$4,200
- Internet & phone$1,850
- Mortgage & property tax$26,500
- Childcare$13,500
- Groceries$10,505
- Health insurance$6,200
- Electricity & gas$2,076
Set up your first month in a couple of minutes
Step 1
Sign in with Google
No form, no password to invent — then pick the currency you budget in.
Step 2
Type your first lines
Income and expenses, straight into the grid.
Step 3
Watch the totals move
Trends and the simulator update from the same numbers.