Income & Expense Tracker

A comprehensive, privacy-focused personal finance dashboard for tracking, analyzing, and optimizing household cash flow.

Income & Expense Tracker

The Problem: When Your Money Has a Mind of Its Own

Ever had that moment when you check your bank account and think, "Where did all my money go?" You're not alone.

If you've ever tried to make sense of your spending and ended up with a spreadsheet that looks like a toddler's coloring book, this is for you. Maybe you've found yourself confidently planning a vacation, only to be blindsided by a property tax bill you forgot was coming. Or you've tried to invest your extra cash, but hesitated—because who knows what surprise expense is lurking around the corner?

This tracker doesn’t tell you exactly what you bought (let’s be honest, some mysteries are best left unsolved), but it does something even better: it categorizes your spending, shows you where your money is actually going, and gives you a heads-up about those sneaky, upcoming one-off expenses, car down payment, furnace or AC replacement, or that annual insurance bill you always forget. It’s like having a crystal ball for your finances, minus the fog and the fortune teller’s accent. Now you can plan, invest, and spend with confidence (and maybe even a little swagger).

The Real Pain Points:

  • The "Where Did It All Go?" Mystery: You know you spent money, but you have no idea where. Your bank account is like a black hole that swallows cash and spits out vague transaction descriptions. You need to see the big picture, not just individual charges.

  • The "I Thought I Had More Money" Delusion: You're sure you had $2,000 in your account last week, but now you're down to $47.23. Did you pay rent twice? Buy a yacht? The bank statement offers no clues about your spending patterns.

  • The Category Confusion: Is "UBER CANADA/UBEREATS" food delivery or transportation? Should "JIMMY THE GREEK #012 PICKERING, ON" go under "Restaurant" or "Entertainment"? These are the existential questions that keep you up at night.

  • The Manual Entry Marathon: Trying to track your mortgage, property taxes, and school fees in a spreadsheet that looks like it was designed by someone who's never actually paid bills. Spoiler alert: it was.

  • The Cash Flow Crystal Ball: You need to know if you can afford that vacation next month, but your financial forecasting involves a Magic 8-Ball and crossed fingers.

  • The Surprise Expense Syndrome: That $2,000 property tax bill that hits every quarter, the annual car insurance payment, the school fees due in August—these expenses always seem to catch you off guard, even though they're completely predictable.

  • The Investment Planning Paralysis: You want to invest more, but you're not sure if you can afford it. Should you put money in the market this month, or save it for the upcoming property tax payment? Without clear visibility into your cash flow, it's impossible to make confident investment decisions.

The Breaking Point: Picture this: It's the end of the month, you're trying to reconcile your accounts, and you have 340 transactions across multiple credit cards, bank accounts, and cash payments. Your current "system" involves a spreadsheet with 47 tabs, a calculator, and a strong desire to move to a cash-only society. You spend three hours categorizing expenses only to realize you forgot about the $2,000 property tax payment that's due next week. Meanwhile, you're sitting on cash that could be invested, but you're too afraid to commit because you don't know what expenses are lurking around the corner.

The Solution: Enter the Income & Expense Tracker—a dashboard that doesn't just track your money, it helps you understand where it's going and plan where it should go. It's like having a financial advisor who can see your entire financial picture, alert you to upcoming expenses, and help you make smarter decisions about saving, spending, and investing. No more surprise bills, no more guessing about affordability, and no more missed investment opportunities.

1. Powerful Transaction Filtering & Categorization

Transaction Filtering Table Remember that time you spent 20 minutes scrolling through 340 transactions looking for that one restaurant receipt? This feature solves that. Now you can filter by date, category, or merchant and find exactly what you're looking for in seconds. No more playing "Where's Waldo?" with your bank statement.

2. At-a-Glance Financial Health Dashboard

Dashboard KPIs and Chart Gone are the days of manually calculating your average monthly spend on a napkin. The dashboard instantly shows you your total spending, average monthly expenses, and whether you're living within your means. The "Short Term Financial Health" chart is like having a financial weather forecast—you can see the storm coming before it hits your bank account.

3. Cash Flow Table & Visualization

Cash Flow Table and Chart This is where the magic happens. Instead of guessing whether you can afford that vacation, you can see exactly which months are cash-positive and which ones will have you eating ramen. The visual chart makes it obvious when you're spending more than you're earning—no more surprises at the end of the month.

4. Category Breakdown & Spending Insights

Category Breakdown and Pie Chart The moment of truth: seeing exactly where your money goes. That $28,000 transportation bar? That's your wake-up call. The pie chart reveals the uncomfortable truth about your spending habits, but in a beautiful, colorful way that makes you want to change rather than hide under the covers.

5. Alternate Transaction View

Alternate Transaction Table Flexibility is key when dealing with financial data. Whether you want to focus on a specific month, merchant, or category, the dashboard adapts to your needs. No more creating separate spreadsheets for different views—everything you need is right here.

6. Manual & Recurring Expense Management

Manual Expenses Table Finally, a way to track those expenses that don't show up on credit card statements! Mortgages, property taxes, school fees—all the big-ticket items that make your wallet cry. This feature ensures nothing falls through the cracks, so you're not surprised by that $2,000 property tax bill you forgot about.

7. Income Tracking & Analysis

Income Table Multiple income streams? Irregular bonuses? Rental income? This feature handles it all. No more trying to remember when your bonus hits or forgetting to include rental income in your calculations. Everything is tracked, categorized, and ready for analysis.

8. Cash Flow Projection & Planning

Cash Flow Projection Chart The crystal ball you've been looking for. This feature shows you exactly what your financial future looks like, based on your actual income and expenses. Planning for a big purchase? Want to know if you can afford that vacation? The answer is right there in the chart.

The Result: What started as a desperate attempt to understand where all the money went has become a comprehensive financial management system. No more mystery transactions, no more surprise expenses, no more financial forecasting by gut feeling. Just clear, actionable insights that help you make better financial decisions.

The Income & Expense Tracker transforms the chaos of personal finance into something manageable, understandable, and even—dare we say it—enjoyable. Because when you can see exactly where your money is going, you can start making it work for you instead of the other way around.