Enter statement totals by category to see monthly averages, then set optional cut targets to see how much you could save.
See your monthly average and category totals.
Average Per Month
650.00
Groceries is 46% of spending
Across year
Groceries is your largest category. Check its transactions before setting a target.
Over year, you spent $7,800.00 across 3 categories— that averages $650.00 per month on 1 tracked card.
Sample target amounts
Spending by Category
Category Details
| Category | Total | Monthly | % |
|---|---|---|---|
| Groceries | 3,600.00 | 300.00 | 46.1% |
| Dining | 2,400.00 | 200.00 | 30.8% |
| Gas | 1,800.00 | 150.00 | 23.1% |
Enter card purchases by category for the same selected statement period across cards. A card app's spending summary or downloaded statements can supply the category totals. A longer period can include seasonal costs; a shorter period shows more recent habits. Enter a target for any category you want to compare.
The calculator adds matching categories across cards and divides each total by the number of months in the selected period. It compares each target with that monthly average to estimate the possible monthly reduction.
Monthly averages turn a multi-month or annual total into an amount you can compare with a monthly budget. The target difference is a planning amount, not money already saved. This tool uses only totals you enter and does not connect to your bank or card account.
The calculation assumes every category total covers the same selected number of months. Merchant labels and refunds can change the totals you copy from statements.
Sources: CFPB: Spending tracker