Household finances, read from your own statements — not guessed
Oct 2024 – Aug 2026
23 full months · 1 current account · 2 credit cards · 1 loan · 1 mortgage
Right now
Latest complete month, normalised for the mortgage direct-debit timing quirk and blended with card spending — the two-year figures below are useful for context, not for "how are we doing today"
Two-year averages
For context and long-run trend — not the current picture, see "Right now" above
Avg. monthly income
£0
Varies month to month — gig & contract income
Avg. monthly outgoings
£0
Mortgage, bills & everyday spend
Avg. monthly shortfall
£0
months in deficit
Days overdrawn
0
out of ~700 days on record
Two-year trend
Every month for the last two years — income against everyday spend plus loan & card repayments
What's actually happening
Four things worth knowing, in plain terms
Two years of spending, by category
Everything that isn't a card payment, loan repayment, or transfer to savings
Split at a glance
Share of total household spend
Category trend, month by month
The big five — where the swings actually happen
Bills you can set your watch by
Direct debits & standing orders, ranked by size (loan & card payments excluded — see The Full Picture)
Subscriptions worth a second look
Recurring app & software charges seen on the current account
Subscriptions & software, month by month
Two years of the actual category total — not an estimate
This month, so far
Pulled live from what you've logged below — log a receipt and this updates
Targets are a starting point — edit any number and it's remembered
Wins already on the board
Before looking at what to fix, here's what's already fixed
Groceries, blended across account + both cards
The current account alone was undercounting this — most of the weekly shop is on the cards
Amazon & Temu, month by month
Temu stopped in Feb 2026 · Amazon down ~65–70% from its 2024 peak
How you compare to a typical UK household
Two-adult household benchmarks — sources at the bottom of the page
Log it as you go
Bank statements can't see inside a supermarket basket — this can. Add a few entries a week and the totals below build themselves. Saved only in this browser.
What you own
The side of the ledger that doesn't show up on a current account statement
The house: equity vs. what's owed
The road ahead
Loans & cards
Kept separate, on purpose — here only when you want to look