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Where Is My Money Going?

See how much of your income is already locked into recurring costs.

This tool focuses on recurring spending — not one-time purchases.

How It Works

Enter Your Numbers

Add your monthly income and recurring costs (subscriptions + other recurring bills).

We Calculate the Share

We total recurring costs and show how much of every $1 is already spent.

Know the Burden

Instantly see the burden and impact of cuts.

Why Where is my money Going Works

No Tracking

Your data stays in your browser.

Transparent Math

You see how it’s calculated.You see exactly what counts as recurring.

Instant Clarity

Spot subscription creep in under a minute.

Use the Calculator

Try it free below

Where Is My Money Going?
See how much of every $1 goes to recurring costs.
Monthly income ($)
Subscriptions & memberships (monthly total $)
Other small recurring services ($)
Examples: apps, cloud storage, meal plans, small services — not rent or mortgage.
This shows recurring costs only. One-off spending not included.
The full Excel tool shows hidden subscriptions, necessity tagging, and how much you could cut each month.
Full Excel Version — Necessity Tags & Cut-Savings

The Excel version supports mixed income and cost frequencies, adds necessity tags, and shows the short- and long-term impact of recurring spending — including savings from cutting “Unnecessary” items.

If your recurring costs are manageable, plan your daily spending with Safe-to-Spend Today.
If you’re worried about making it to your next paycheck, stress-test the period with the Bill-Gap Calculator.

FAQ

What counts as recurring costs?

Subscriptions, memberships, and any bills you pay regularly (monthly, weekly, annual).

No. This is only for recurring costs. One-time purchases are separate.

No. Everything stays in your browser.

It shows how much of your income is already committed to recurring costs.

Excel supports mixed frequencies, a longer list, necessity tags, and shows how much you save by cutting “Unnecessary” items.

See real examples

Want to see how the number changes in real situations? Visit the Where Is My Money Going? Examples page.

Read the full FAQ

Want quick clarity on each input and how the result works? Visit the Where Is My Money Going? FAQ page.