A simple, powerful expense tracker that shows your fixed vs. flexible spending, monthly trends, and category breakdowns — all in one spreadsheet.
Get the Free TemplateEverything you need to track a full year of spending — no apps, no subscriptions.
Track checking, savings, and credit cards in one place. See balances and cash flow per account.
Income vs. expenses, savings rate, and account balances — updated automatically each month.
Customizable categories for income, expenses, and transfers. See exactly where each dollar goes.
Filter by account and date range. Get beginning/ending balances, per-category totals, and daily cash flow.
Tag transactions as recurring or one-time. Understand your fixed costs vs. variable spending.
Comes pre-loaded with sample data so you can explore the dashboards before entering your own transactions.
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Lumifin calculates the most you can spend each year — after taxes, healthcare, and inflation — without running out. Then model life decisions to see how each one changes that number.
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