Sources verified · May 22, 2026

The Cash Flow Lens

Tell us your monthly take-home and what you spend in each category. We’ll show you the totals, your biggest pressure point, and whether the month looks balanced, tight, or strained.

New here? See it work with example numbers:

Your monthly pay after taxes — not gross. Not sure? Run the Paycheck Snapshot first.

Monthly spending by category

Rent or mortgage.

Electric, gas, internet, phone.

Car payment, gas, transit.

Groceries + dining out.

Minimums + extra on debts.

Health, auto, home, life.

Monthly transfers out.

Everything else.

Custom categories — for anything that doesn’t fit above

Childcare, subscriptions, pet care, charity, education — break out whatever you’d rather not lump into “Other.” Up to 6.

No ads or lead-gen

What this tool does and doesn’t do

  • Does: compare your monthly take-home pay to spending across 8 broad categories, highlight your largest category, and flag whether the month leaves room.
  • Doesn’t yet: bank syncing, automatic expense categorization, household profiles, recurring-bill detection, savings goal tracking, full budgeting, or historical spending trends.
  • This is a planning estimate. It works only from the numbers you enter. Irregular expenses (annual fees, holiday spending, repairs) and seasonal income are not included.