Money Live demo 5.0(4 reviews)

Spending 101

Know where your money goes.

Know where your money goes. Spending 101 tracks your income, expenses and transfers, shows where it all went, and warns you before a budget runs out. One private file that opens in your browser. No app, no account, no subscription, nothing uploaded.

$8

One-time payment on Etsy, in US dollars.

Try the live demo Get it on Etsy

The demo runs in your browser with sample data. Nothing you type is saved or sent anywhere.

  • One fileOpens in any browser
  • Works offlineNo internet needed
  • PrivateSaves on your device
  • Pay onceNo subscription

See it in action

  • Spending 101: Your whole month at a glance.
  • Spending 101: Budgets that warn you early.
  • Spending 101: Every account, every dollar.

What buyers say

5.0 out of 5 from 4 Etsy reviews. Every review comes from a real Etsy purchase.

Read every review on Etsy

  • Very good appplication,easy to use.

    Etsy buyerJul 2026

  • Very useful budgeting tool for tracking income, expenses, and savings in one place. Easy to use and highly recommended 👍

    Etsy buyerMay 2026

  • features are amazing compared to price

    Etsy buyerMay 2026

  • Item matched the description and was easy to use after setting up everything, thanks a lot Solveify for this amazing tool!

    Etsy buyerMay 2026

What's inside

Your money at a glance

  • Total income, total expenses, net balance and savings rate
  • View today, this month, all time or any dates you pick
  • Expenses by category and income by category
  • Income vs expenses for the last 6 months
  • Savings rate against a 20% target, your top 5 spending categories and your latest money in and out

Track every dollar

  • Expenses, income and transfers between your accounts
  • Up to 5 accounts (cash, credit card, debit, savings, investment) with balances that update as you go
  • Income and expense categories you can add or remove
  • Edit or delete any entry
  • 21 currencies, and you choose the day your month starts (for example payday)

Budgets

  • A monthly limit for each expense category
  • Budget vs. Actual bars that turn orange near the limit and red when you go over

History, reports and your data

  • Every transaction in one list: search, and filter by type, account, category or dates
  • A report of the month you can print or save as a PDF
  • Export to CSV, and import transactions from a CSV (for example a bank export)
  • Full backup file in one click; restore it on a new computer or browser

Savings tips

  • Tips that use your own numbers, plus an estimate of what you could save each month
  • Dark and light mode

How it works

  1. Download the file from your Etsy Purchases page.
  2. Open it in your browser. There's nothing to install and no account to create.
  3. Pick your currency, name your accounts and add your first expense. Everything saves on your device.

What you get

  • Spending 101 (one HTML file that opens in your web browser)

On your phone

Switches to a phone layout: a menu button, one column, and the history and settings lists in a row you swipe along the top.

On iPhone or iPad, open it with Microsoft Edge. See how

Good to know

  • This is an interactive tool you open in a web browser. It is not a spreadsheet or a PDF.
  • Opens in Chrome, Edge, Firefox or Safari on a computer, and in Chrome on Android phones and tablets.
  • Your data is saved in the browser you open it with. It is never uploaded anywhere. To move to another device, use Setup > Backup & Restore, then Restore on the new one.
  • It doesn't connect to your bank. You add transactions yourself or import a CSV.
  • It has budgets, but no savings goals or bill due dates. Vaultly 101 Pro has both.
  • English only.
  • Digital item: nothing is shipped.
More answers in the help center

Made forAnyone who wants to see where their money goes each month without a spreadsheet or another app subscription. A simple place to start a first budget, for students, couples, freelancers and anyone paid once or twice a month.

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