Budget Tracker

Log a purchase

Category

Amount ($)

What is it? (optional)

How this works

Green = fits your budget, go ahead. Amber = slightly over, consider waiting. Red = over budget — the tool shows what putting that money toward debt would save in interest instead. It's a pause, not a hard block.

Card balances — edit any field, then click Save

Reconcile monthly: when your statement closes, update balances here and click "Mark reconciled." Takes 2 minutes.

Reconciliation

Not yet recorded

Add a card

Card name

Balance ($)

APR (%)

Min pmt ($)

Note (optional)

Promo end date (if any)

If this card has a promotional rate ending soon, set the promo end date and a deadline badge will appear automatically.

Payoff milestones

● Jan 2027 — Citi BT cleared. Transfer $6K from AmEx to new 0% Citi promo.

● Dec 2027 — AmEx eliminated. Two cards left.

● Jan 2028 — Transfer $6K from US Bank to new 0% Citi promo.

● Late 2028 — Debt free.

Adjust variable budgets — see the payoff impact

Lower any amount to see how much extra could go toward debt. Doesn't change your saved budgets.

Reduce any category above to see potential savings.

Variable category budgets — click ✕ to remove

Add variable category

Name

Budget ($/mo)

Type

Fixed expenses — click ✕ to remove

Edit amounts directly. These show as locked bars on the Budget tab.

Add fixed expense

Name

Amount ($/mo)

Password

New password

Confirm

Data — export & import

Export saves everything to a .json file. Import it on any device/browser to restore. Save exports to Google Drive or iCloud so you always have a backup. To sync between phone and desktop: export on one device, import on the other.

Budget tracker