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Expense Tracker & Net Worth Calculator

Track income and expenses by category, or track your net worth over time — entirely private.

Runs in your browserNo sign-up required
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Two Views of the Same Financial Picture

Day-to-day spending and long-term net worth are two different questions that need two different views — one is about where money goes this month, the other is about whether your overall financial position is improving. This tool covers both: a category-based expense tracker with a visual breakdown, and a net worth calculator that saves dated snapshots so you can actually see a trend over time, not just a single number.

How to Use This Tool

  1. 1Choose Expense Tracker or Net Worth modeDay-to-day income/expense logging, or a periodic net worth check-in.
  2. 2For expenses, log each transactionDescription, category, income or expense, and amount — the category breakdown chart updates instantly.
  3. 3For net worth, list your assets and liabilitiesCash, investments, property on one side; loans, credit card balances on the other.
  4. 4Save a snapshot to build a trend line over timeCome back monthly (or whenever) and save again to see your net worth trend, not just a single number.

Why This Approach

  1. 1Everything stays in your browserBoth your transaction history and your net worth snapshots are saved to your browser's local storage, not a server — genuinely private financial tracking with no account and no data leaving your device.
  2. 2A snapshot, not just a live numberA single net worth figure tells you where you stand today. Saving dated snapshots over time is what actually shows whether your finances are trending up or down — the more useful signal for long-term planning.
  3. 3Category breakdown shows where money actually goesA running total of expenses doesn't show you the pattern. Breaking spending down by category — food, rent, transport — makes it obvious where a budget is actually being spent, and where cutting back would matter most.

Frequently Asked Questions

Is my financial data uploaded anywhere?

No — all transactions and net worth snapshots are saved only in your own browser's local storage. Nothing is sent to a server, and no account is required.

Will I lose my data if I clear my browser or switch devices?

Yes — since everything is stored locally in your browser, clearing site data, using a different browser, or switching devices means starting fresh. Use the CSV export regularly if you want a backup of your transaction history.

How often should I save a net worth snapshot?

Monthly is a common, practical interval for most people — frequent enough to see a meaningful trend, without the noise of daily fluctuations in things like stock or crypto valuations.

Does the category breakdown work for income too, or only expenses?

Both — toggle between income and expense breakdown to see the category split for either side of your transactions.

Can I export my transaction history to use elsewhere?

Yes — the Export CSV button downloads your full transaction list, ready to open in a spreadsheet or import into other budgeting software.

Is this expense tracker free to use?

Yes, completely free, with no sign-up and no limit on how many transactions or snapshots you save.