Plan · Track · Save
A Financial Planner That Doesn't Need Your Bank Login
Organize expected income and bills, plan for any unexpected spending, import transactions, set savings goals, and gain valuable insight into your financial progress—all without automatic bank linking.
See your monthly financial plan and progress in one place.
Even more of your monthly financial plan and progress to review.
Compare planned entries with what actually happened.
Import statement activity and review every row before saving.
How It Works
Plan for the expected first. Compare planned and actual transactions. Learn and improve over time.
Use one consistent workflow to understand what you expected, what happened, and what needs attention next.
1. Create Your Plan
Start with income, planned bills, and your monthly priorities.
2. Planned Spending
Estimate flexible categories like groceries, fuel, dining out, and shopping.
3. Track Actuals
Add transactions manually or import PDF and CSV statements.
4. Monitor Goals
Track savings goals, reminders, bills, and progress in one place.
5. Review Progress
Use your dashboard to understand where you stand and what to adjust.
Everything you need to plan your finances in one place
Build your plan, track actual activity, plan flexible spending, monitor savings goals, and review your progress from one personalized dashboard.
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Get MySpendJournal
Use MySpendJournal on the web, your phone, or download from supported app stores.