Free Expense Tracker — Log Spending by Category

Log each expense with an amount, category, and description. See daily, monthly, and all-time totals with a spending breakdown chart.

1

Log an expense

Enter the amount, pick a category (food, transport, housing, etc.), and add a description. Takes seconds.

2

See your totals

Track spending today, this month, and all time. See how many expenses you have logged.

3

Analyze by category

A breakdown chart shows where your money goes. Spot the categories eating your budget.

Benefits

8 spending categories

Food, transport, housing, entertainment, health, shopping, education, and other. Covers the full spectrum of daily expenses.

Instant breakdowns

See percentage bars showing where your money goes. Quick insight into your biggest spending areas.

100% private

All expense data stays in your browser. No sign-up, no server, no one sees your financial information.

Download This Tracker as a Template

Prefer pen and paper, or want to use this tracker in your favorite journaling app? Download the template.

Download Template

Available for Obsidian, Notion, Apple Notes, and 10+ other apps.

Understand the emotions behind your spending with Pensio.

Inside Pensio, journal about your financial decisions and the AI finds emotional patterns — helping you understand when mood drives spending.

Start Free See All Features

Frequently Asked Questions

How many expenses can I log?
There is no strict limit. Your expense history is stored in your browser and grows over time.
Can I export my expenses?
Yes. Export your expense history as text, a Markdown table, or a printable PDF for your records or tax purposes.
Where is my data stored?
In your browser's localStorage. No data leaves your device. If you clear your browser data, your expense history will be erased.
How does expense tracking connect to journaling?
Financial stress is one of the most common emotional triggers. Inside Pensio, journal about spending decisions and the AI reveals patterns between your mood and expenses.

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