Tools · Spending Audit

Spending
audit.

Enter your monthly spending in each category. The tool estimates how much is recoverable with the tactics from Spending Less. Not a budget tracker. Just a 3-minute gut check on where the money is going and how much of it you can keep.

All math runs in your browser. Nothing sent to any server.

Savings estimates use realistic middle-of-range values from the tactics on the Spending Less page. Your results will vary based on current habits and local prices.

What this tool assumes
  • Frictions-per-week counts are heuristic; use them to flag categories for deeper review.

This is not a budget. This is an estimate of recoverable margin. Start with the category where the gap is largest.

Related

→ How to Spend Less on the Same Things, the tactics this tool is built on → Budgeting, where the recovered margin goes → Paycheck Allocator, run the priority waterfall with the new margin
HOW THIS IS CALCULATED

This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.