Where does your money go?

Enter or import your income and spending to see it flow into categories — then track trends, check the 50/30/20 rule, and plan your debt payoff.

Scenario
See where your money flows
Your data stays private — nothing is sent anywhere.

Money in

Money out

⌨ Enter = add row · ↑↓ = move between rows · Backspace on empty = delete · Esc = deselect · Drag to reorder

50 / 30 / 20 check

Needs Wants Savings

Compare to a typical budget

Marker = typical share of income. Bars past it run high.

Month-over-month

Snapshots stay on this device.

Goals & limits

Monthly savings goal
Current cash savings (for runway)
Savings target
Category limits — leave blank for no limit

Savings projection

Return5%
Years10
Inflation2.5%
You'll have

Recurring & subscriptions detected

Sinking funds — set aside for irregular bills

Big once-a-year costs hurt less when you save monthly. Enter the yearly cost; we’ll show the monthly amount to stash.
Adds the monthly total as a “Sinking funds” line so it shows in your flow chart.

How the budget calculator works

Currents takes your monthly income and spending and turns them into a visual flow. Choose from six chart types. Every chart updates instantly. No backend — your data stays on your device.

Understanding the 50/30/20 rule

The 50/30/20 rule suggests spending no more than 50% on needs, 30% on wants, and saving at least 20%. Currents auto-classifies your categories and checks your split.

Why visualizing your budget matters

A flow chart shows patterns a spreadsheet can't. When you see a thick ribbon flowing into dining out, the imbalance is obvious. Currents is built on this principle: see the shape of your money.