Free online expense tracker

Track every expense in about ten seconds a day — no signup, no install, no bank connection. Everything stays in your browser, forever.

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Learn the system

How to Track Expenses (and Actually Stick With It)
How to Track Expenses
Guide
The 50/30/20 Rule Explained (With Real Numbers)
The 50/30/20 Rule Explained
Guide
Expense Categories: The Complete List for Your Budget
Expense Categories
Guide
Budgeting for Beginners: Start With One Number
Budgeting for Beginners
Guide
How to Save Money Each Month: The Levers That Move
How to Save Money Each Month
Guide

Upgrade your tracking

Monarch MoneysubscriptionThe closest Mint replacement — connections, rules, constant shipping. 30-day free trial.
YNABsubscription or annual planZero-based budgeting that genuinely changes behavior. 34-day free trial, free for students.
CopilotsubscriptionThe polish pick — best-in-class iOS experience for Apple-first households. 14-day trial.

App links are independent reviews; we may earn a commission on signups at no cost to you. See disclosures.

Why SpendKit instead of an app

Nothing to install

The tracker is the page. Open it on any device, start typing, and your entries appear — works fully offline because your data lives in the browser.

Private by architecture

No bank connection, no account, no sync. Entries are stored locally and exports write straight to your device — there is nothing on a server to leak.

Guides that execute

Our budgeting guides are written to be run: one number to start, one lever per month, targets you can hit. Beginners finish week one with a real baseline.