Step-by-step guides to tracking expenses and budgeting
Step-by-step methods for tracking expenses and budgeting. We wrote each one to be followed, and tested each one against how the app behaves.
A free expense tracker template you can import later
A free monthly expense tracker template in CSV, the eight columns every tracker needs, and the point at which a spreadsheet stops being worth keeping.ReadHow to keep a daily expense tracker you do not abandon
Daily is the only tracking frequency that survives: pick one capture moment, set a threshold for small payments, reconcile weekly and review once a month.ReadChoosing a personal expense tracker app in India
What a personal expense tracker app needs in India: lakh and crore formatting, a UPI method that is not logging every payment, and honest handling of cash.ReadHow to track expenses (and still be doing it in three months)
A five-step method for tracking expenses that survives the second week: pick a capture habit, categorise coarsely, reconcile weekly, review monthly.ReadHow to make a monthly budget from your own numbers
Build a monthly budget from three months of your own spending instead of a template: find your baseline, set limits that bind, and review it once a month.ReadThe 50/30/20 rule: what it is and how to run it
What the 50/30/20 rule is, how to work out your three numbers from after-tax income, where the rule breaks, and how to set it up as three budgets.ReadZero-based budgeting, step by step
Give every unit of income a job until nothing is left unassigned. How zero-based budgeting works, what it costs in effort, and when it is worth that cost.ReadHow to track UPI expenses without logging every ₹20 payment
UPI turns spending into dozens of tiny payments a day. A practical method for capturing them without logging every ₹20 chai by hand, and what to reconcile.ReadHow to switch expense trackers without losing your history
Move years of history to a new expense tracker without losing it: export first, check the CSV columns, map them once, then verify three balances by hand.Read
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