Drop in the exports from your bank, credit cards and investment accounts. See what comes in, where it goes and what you keep, with transfers between your own accounts taken out so nothing counts twice.
Where your pay goes before it reaches the bank, what was taxed and withheld, and the earnings Social Security has on record. Built from pay stubs or an LES, W-2s, 1099-Rs, 1098s and your Social Security statement.
For anyone starting out: pick a job, a way to get there and the big life choices, and see what they do to your money from now to 67. Add the detours real lives take. No files needed.
A normal month: what usually comes in, what the bills and everyday spending usually cost, and what's left. Built from the same statements as the Spending page, with one-time costs and missed income set apart.
What your investments are worth, what it takes to stop working, and when you could. Built from your own statements, or numbers you type in.
Free tools, not financial, tax or investment adviceWhen you drop a statement, the code in this page opens it right in your browser, the same way a PDF viewer does. There's no account, no sign-in and no server that receives files: this site is only the page itself.
Your transactions and statements aren't saved anywhere. The only thing kept is your answers (who a payer is, the settings you typed) in this browser, so you don't repeat them next month.
Once the page has loaded, turn off Wi-Fi and drop your files: it still works, because nothing goes out. Or open your browser's developer tools, choose Network, and watch while you add a file. The code is public on GitHub.
When the page opens it downloads its fonts (Google Fonts) and its PDF reader (cdnjs), like any website loading its parts, plus a cookieless visit counter (GoatCounter) that records only which page or tab was opened and the site that linked here, never your files, numbers or choices. Those downloads never include your files or numbers.
Most banks and cards have Download or Export on the transactions page. Pick CSV, or "Quicken / QFX" if offered. A year of each account gives the best picture.
For investment accounts, add the activity export and the monthly statement PDFs. The statements name the account and give its value.