$0.00
$0.00
$0.00
| Budget Item | Budgeted | Actual | Variance |
|---|
| Date | Item | Description | Amount | Action |
|---|
| Month | Budget Item | Budgeted | Spent | Overspend |
|---|
These figures compare your logged spending against your budget plan, averaged over full calendar months on file. Positive variance = you're spending more than planned in that category (a "leak"). Negative variance = headroom.
| Budget Item | Budgeted / mo | Actual / mo (avg) | Variance / mo | Annualized Impact |
|---|
Charges with the same description showing up in 3+ different months — subscriptions, memberships, bills. These recur automatically every month whether you notice them or not, so trimming one has a compounding, ongoing effect (unlike a one-off purchase).
| Description | Category | Months Seen | Avg Amount | Annualized Cost |
|---|
Enter your current net position (assets minus debts — see the Doomsday tab on the Budget Tracker page) and your total monthly income. This shows how your actual spending pattern (not your plan) is really affecting how long your money lasts. These two values are saved locally so you only need to enter them once.