Free toolInteractive demo — no account
See where your money actually goes.
Sample data — nothing leaves your browser·About 30 seconds·No card, no bank
Sample month · JuneReal Tracklio mechanics, fictional spending.
Review queue5
Tracklio flags the judgment calls. Pick the role — watch the ratio move.
Target
Household · Jun 8
$204
Tracklio suggests Split · Detergent + a throw blanket
Mixed basket — household staples and a few wants.
Survival ratio
0/5 reviewed95%
survival
survival$1,885
lifestyle$109
vs. last month23 pts
Most of this month is essential. Your Lifestyle slice is where small cuts compound fastest.
June ledger
14 transactionsRent — Oak Street
Housing
$1,200
Whole Foods Market
Groceries
$350
PG&E
Utilities
$150
Comcast Internet
Utilities
$60
CVS Pharmacy
Health
$45
Shell Gas
Transport
$80
Spotify
Subscriptions
$12
Blue Bottle Coffee
Coffee
$55
AMC Theatres
Entertainment
$42
Target
Household
$204
Sweetgreen
Dining
$280
Uber
Transport
$150
Amazon
Shopping
$128
Delta Air Lines
Travel
$320
Where it splits
Each category, by role. The orange is where cuts hide.
Housing$1,200
Groceries$350
Utilities$210
Transport$80
Coffee$55
Health$45
Entertainment$42
Subscriptions$12
What if you trimmed Lifestyle?
Survival stays untouched. Only the discretionary slice flexes.
Trim Lifestyle by
15%
Back in your pocket / year
$196
$16 a month
0%keep it all60%
Rather use your own numbers?Paste a few real lines — same Survival/Lifestyle rules.
One per line: merchant, amount
Your split shows up here the moment you classify.
The autopilot version
Now do it with your real spending — on autopilot.
Connect a bank read-only and Tracklio classifies every charge, keeps your ratio live all month, and flags lifestyle creep before it adds up.
Read-only — we never move money·Bank-grade encryption·Free in beta