Cash Flow Tracker

Companion Tool · Chapter 2 · The Accountant's Blueprint

Cash Flow Tracker

Track one full month of real spending across three categories — Fixed essentials, Flexible spending, and Savings & investing — then see how your actual split compares to your 50/30/20 target from Chapter 2. Figures stay in this browser only.

£
Fixed EssentialsRent, bills,
groceries, insurance
Total fixed£0
Flexible SpendingEating out, shopping,
subscriptions
Total flexible£0
Savings & InvestingPension, ISA,
extra debt repayment
Total savings£0

Your split vs. target

£0 allocated of £0

Enter your take-home pay and line items above to see your split.

Target split: % needs % wants % savings = 100%
Fixed
0% / 50%
Flexible
0% / 30%
Savings
0% / 20%

Track your savings rate over time

Your savings rate is the single number most worth watching (Chapter 1). Save a snapshot each month to see whether it's moving the right way.

    How this works: your entries and saved monthly snapshots live only in this browser's storage — they aren't sent anywhere, and won't appear on another device. Download a CSV copy each month if you want a running backup in a spreadsheet.