TopicDrill

Expense Tracker

Add your monthly expenses by category to see your total spending, how much income is left, and a clear breakdown of where your money goes. Enter your numbers and press Calculate.

Written by TopicDrill Editorial Team·Updated June 2026

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Your expenses

Add your monthly expenses, then press Calculate.

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Total monthly spending

$2,675.00

Yearly spending$32,100.00
Left after expenses$1,525.00
Biggest categoryHousing

You are spending 64% of your monthly income.

Spending by category

Housing$1.5k · 56%
Food$600 · 22%
Transport$350 · 13%
Utilities$180 · 7%
Entertainment$45 · 2%

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Why tracking expenses matters

Most people underestimate their spending, often by a wide margin, because small recurring costs add up quietly. Writing every expense down in one place turns a vague feeling into a concrete number you can act on. The category breakdown makes it obvious which area is eating the most of your budget.

Once you can see the total, you can compare it to your income and decide whether you are saving enough. Even a few minutes a month spent reviewing the numbers builds the habit that drives every successful budget.

How to use the tracker

List each regular expense, pick a category, and enter the monthly amount. For bills you pay once a year, divide by twelve to get the monthly figure. Add your monthly take home income at the top to see how much is left after everything is paid.

Turning the numbers into a plan

A common starting framework is the 50/30/20 split: roughly half of income on needs, a third on wants, and the rest toward savings and debt. Use the breakdown here to check where you land, then try our 50/30/20 budget calculator to set targets. For free, unbiased money guidance, the Consumer Financial Protection Bureau is a reliable source.

Frequently asked questions

How does this expense tracker work?

Add each expense with a name, a category and a monthly amount. The tool adds everything up, shows your total monthly and yearly spending, and breaks it down by category so you can see exactly where your money goes. Add an income figure to see how much is left over.

Is my data saved anywhere?

No. Everything runs in your browser and nothing is sent to a server or stored. When you close or refresh the page, the entries reset. That keeps your numbers private, so feel free to use real figures.

What categories should I use?

Common categories are housing, food, transport, utilities, insurance, health, entertainment and savings. The goal is enough detail to spot patterns without making tracking a chore. Group anything that does not fit under Other.

How can I lower my spending?

Start with the biggest category, since a small percentage cut there usually saves more than eliminating several tiny expenses. Recurring subscriptions and dining out are common places to trim. Review the breakdown each month and set a target for one category at a time.

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