Spend Wise
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Free · No sign-up · Your data stays in your browser

Know Where Your Money Goes.

Track income, expenses, and accounts in one place. Understand your spending, see what remains each month, and make smarter saving decisions, in pesos.

Start Tracking for FreeSee how it works

Sample month shown: ₱45,000.00 income, ₱20,000.00 expenses.

How it works

02 · Money out

Where Does Your Money Go?

Every expense lands in a category, so the month's spending explains itself. In this sample month, ₱20,000.00 of spending splits into four categories.

  • Food₱8,450.00
  • Bills₱6,200.00
  • Transportation₱2,350.00
  • Other₱3,000.00

03 · Every peso has a story

Every Peso Has a Story.

Category totals are built from real entries: groceries, fares, bills. Add a transaction once and it shows up in your balances, category totals, and reports.

Here, 11 sample expenses add up to exactly ₱20,000.00.

  • Groceries at SM, Food, ₱5,200.00
  • Carinderia lunches, Food, ₱2,450.00
  • Coffee, Food, ₱800.00
  • Meralco electricity, Bills, ₱3,600.00
  • PLDT Fiber, Bills, ₱1,699.00
  • Water bill, Bills, ₱901.00
  • Grab rides, Transportation, ₱1,350.00
  • Jeepney and MRT fares, Transportation, ₱1,000.00
  • Birthday gift, Other, ₱1,500.00
  • Medicine, Other, ₱1,000.00
  • Haircut, Other, ₱500.00

04 · Money left

See What Remains.

₱45,000.00 in income minus ₱20,000.00 in expenses leaves ₱25,000.00 of net cash flow.

That isn't money saved yet. It's what's left to decide on. Knowing it each month helps you choose how much to set aside, and spot months when spending runs ahead of income.

05 · Privacy and control

Your Money. Your Data. Your Control.

  • Your financial records are stored in your browser's local storage on this device.
  • No account registration is required.
  • There's no automatic cloud sync, so other browsers and devices don't see your data.
  • Clearing your browser's site data can erase your records.
  • Download a JSON backup regularly from Settings so you can restore your records later.

Everything you need, nothing you don't

Spend Wise is free, works in your browser, and is built for Philippine pesos.

  • Income and expenses

    Record every peso in and out, in a fast spreadsheet-style table with search and filters.

  • Accounts

    Track bank accounts, e-wallets, and cash, with balances calculated from your records.

  • Categories

    Organize spending with categories you can rename, recolor, archive, and restore.

  • Balances and cash flow

    See income, expenses, net cash flow, and your total balance for any month.

  • Reports

    Six-month trends, spending by category and account, and month-over-month changes.

  • Export and backup

    Download CSV files for spreadsheets and JSON backups you can restore later.

Make Every Peso Count.

Start in seconds. No sign-up, and your records stay in your browser. Try it with demo data, or start with your own.

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