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Track spending by category. See where your money goes and export for your budget or accountant.
This tracker logs personal spending by category. For deductible business expenses, follow the ATO's substantiation rules.
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
An expense tracker is a running log of every dollar you spend, grouped by category and date, so you can see your actual spending pattern instead of guessing at it from memory or a stack of receipts at the end of the month.
Most people underestimate a handful of categories — dining out and subscriptions are the classic examples — because no single transaction feels significant. A category breakdown across a full month or year makes the pattern impossible to miss.
Logging expenses as they happen, rather than reconstructing a month from bank statements, is also the only reliable way to catch a subscription or direct debit you'd otherwise forget about entirely.
A budget is a plan for what you intend to spend; an expense tracker is a record of what you actually spent. You need the tracker to know whether the budget is realistic — most people who've never tracked expenses underestimate at least one category significantly.
Weekly is a reasonable minimum for most people — daily if you want the most accurate picture, since small cash purchases are the easiest to forget within a few days.
This tracker logs personal spending by category for budgeting. If you're a sole trader tracking deductible business expenses, keep dedicated records that meet the ATO's substantiation rules (date, amount, supplier and purpose) — see the sole trader tax calculator for how deductions affect your tax.
This is the most common reaction to expense tracking. Small, frequent purchases (coffee, subscriptions, delivery fees) rarely feel significant individually, but they add up to a meaningful share of monthly spending once every transaction is actually logged rather than remembered.
Yes — download a CSV of the current view (this financial year or this calendar year, whichever you've selected) at any time, with the date, category, amount and any notes for each entry.