Enter your income and spending to see exactly how money flows through your budget — visualized as a Sankey diagram, bar chart, donut, treemap, or waterfall. Track the 50/30/20 rule, set savings goals, project compound growth, and compare your spending to typical benchmarks.
Your data never leaves your browser. No signup required — start by editing the sample numbers below or import a bank statement.
Paste CSV rows or upload files. Everything stays in your browser — nothing is sent anywhere.
Currents takes your monthly income and spending and turns them into a visual flow. Choose from six chart types: a Sankey diagram that shows money flowing from sources to categories, horizontal bars ranked by size, a donut showing each category's share, a treemap that maps spending to proportional rectangles, a waterfall that steps from income down to what's left, or a trend chart that tracks category changes over time.
Every chart updates instantly as you edit numbers, add rows, or import transactions. There's no backend — your browser does all the work, and your data stays entirely on your device.
The 50/30/20 rule is a simple budgeting guideline: aim to spend no more than 50% of after-tax income on needs (housing, groceries, utilities, transport, insurance), no more than 30% on wants (dining out, entertainment, subscriptions, shopping), and save at least 20% (retirement, emergency fund, investments). Currents automatically classifies your categories and shows whether you're hitting each target.
This isn't a rigid rule — if you live in a high-cost city, your needs percentage may be higher. The value is in seeing the split clearly and knowing where to adjust.
A spreadsheet shows numbers; a flow chart shows patterns. When you see a thick ribbon flowing into dining out or a tiny sliver going to savings, the imbalance is obvious in a way that a column of figures never is. Research in behavioral economics consistently shows that visual feedback changes spending behavior more effectively than numerical tracking alone.
Currents is designed around this principle: see the shape of your money, not just the numbers.
Click Import to paste or upload CSV or OFX/QFX files from your bank or credit card. Currents auto-detects the description and amount columns, categorizes each transaction using keyword matching, filters out internal transfers, and flags recurring subscriptions. You can correct any miscategorized merchant and Currents remembers the fix for next time.
Paste this into any blog or website — it shows your live, interactive chart. Anyone who opens it sees your data (it travels in the link).