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.

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

Money in

Money out

Enter = add row · ↑↓ = move · Backspace on empty = delete · Drag to reorder

What if I cut…

by 30%
You'd save
per month

Breakdown

50 / 30 / 20 check

NeedsWantsSavings

Compare to typical

Month-over-month

Snapshots stay on this device.

Goals & limits

Monthly savings goal
Cash savings (runway)
Savings target
Category limits

Savings projection

Return5%
Years10
Inflation2.5%
You'll have

Subscriptions detected

Sinking funds — irregular bills

Big once-a-year costs hurt less when you save monthly.

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.