Track and manage your spending across currencies
Total Spent
$0.00
Budget
$1850.00
Remaining
$1850.00
A credit card statement is a list of what already happened; a budget is a plan for what happens next. This expense tracker sits between the two — you record spending as it occurs, assign each amount to a category, and watch how the running total compares with the monthly budget you set. The value is not the arithmetic (any calculator can add up receipts) but the structure: seeing spending sorted into groceries, dining, transport, subscriptions and the rest turns a single intimidating balance into a handful of specific, fixable lines.
If you have never set category budgets before, the 50/30/20 rule is a reliable first draft. Of your take-home pay, roughly 50% covers needs — housing, groceries, transport, utilities and minimum debt payments; 30% covers wants— dining out, entertainment, travel and shopping; and the remaining 20% goes to saving or paying down debt. Translate those three buckets into the categories in this tool, enter them as monthly budgets, then let a month of real data correct your guesses. Almost everyone discovers one “wants” category — usually dining or subscriptions — quietly running at double what they assumed.
The headline figure — spent so far against total budget — tells you whether you are on track this month, but the category breakdown tells you why. A card that is 90% through its budget on the 20th of the month is a warning; a card that is 90% through because one category blew its limit while others sat unused is a plan you can rebalance. Checking the tracker weekly rather than at statement time is what makes that adjustment possible while it still matters, instead of a post-mortem after the bill arrives.
If your spending mixes currencies — a card that carries local purchases alongside dollar-priced subscriptions, or a trip abroad — the currency conversion here collapses everything into one comparable figure so your budget still makes sense. Two honest caveats: exchange rates move continuously, and card networks add a conversion markup (often around 1–3%) plus, in many cases, a foreign-transaction fee. So the converted totals are the right tool for planning and comparison, not a prediction of the exact amount your issuer will bill. When precision matters, reconcile against the posted statement.
The point of tracking spending against a budget is to keep the card paid in full each cycle, so revolving interest never begins — the cheapest debt is the one you do not take on. If you are already carrying a balance, that is a different problem with a different tool: the credit card payoff calculator shows how long a balance takes to clear at a given payment, and the credit card minimum-payment trap lays out why paying only the minimum keeps a balance alive for years. Use those to dig out; use this tracker to make sure you never need them again.
Yes. This tracker runs entirely in your browser — expenses, budgets and category settings stay on your device and are not sent to a server. Clearing your browser data or switching devices will not carry the entries over, so export a copy if you want a permanent record.
A common starting point is the 50/30/20 rule: about 50% of take-home pay for needs (groceries, transport, bills), 30% for wants (dining, entertainment, travel), and 20% for saving or debt repayment. Split those totals across the categories here, then adjust after a month of real data.
Expenses are converted to your selected display currency using indicative exchange rates so a card statement mixing, say, USD subscriptions and local spending reads as one number. Rates move constantly and card networks add a markup, so treat the converted totals as planning figures rather than the exact amount billed.
No — it tracks spending against budgets, not interest on a revolving balance. If you carry a balance, use a payoff calculator: this is a budgeting tool meant to help you spend within your means so interest never starts accruing in the first place.
Totals hide behaviour; categories reveal it. Seeing that dining or subscriptions quietly consumed a third of a month is what turns a vague sense of overspending into a specific, fixable line — which is the whole point of comparing budget against actual.