Spending Tracker
Find where wealth quietly leaks out each month — then see what redirecting it could be worth by retirement.
Your basics
Used to compare spending to your income and time horizon.
What you spend each month
Rough monthly numbers are fine — adjust anything.
$1,970/mo
That's 31.5% of your income. Invested instead, this tracked spending could be worth $3,548,078 by retirement.
Where your money goes
Ranked by what each could be worth invested to retirement.
Car & transport
Healthy$650/mo · 10.4% of income
Within a healthy range for your income.
Dining & takeout
A little high$450/mo · 7.2% of income
About $75/mo above a healthy range ($135.1K by retirement). Cooking a few more meals at home each week is usually the fastest win here.
Shopping & retail
Healthy$300/mo · 4.8% of income
Within a healthy range for your income.
Miscellaneous
Healthy$250/mo · 4.0% of income
Within a healthy range for your income.
Hobbies & leisure
Healthy$200/mo · 3.2% of income
Within a healthy range for your income.
Subscriptions
Healthy$120/mo · 1.9% of income
Within a healthy range for your income.
Biggest drains
Lifetime opportunity cost by category.
Educational estimates only. Healthy ranges are general guidelines, not rules — and we have no partners and recommend no specific products or apps.