Enter statement totals by category to see monthly averages, then set optional cut targets to see how much you could save.
Enter statement totals by category to see monthly averages, then set optional cut targets to see how much you could save.
Monthly average first, then the categories driving it.
Average Per Month
650.00
Groceries is 46% of spending
Across year
Review Groceries transactions—categories above 35% of spend are the fastest place to trim.
Over year, you spent $7,800.00 across 3 categories— that averages $650.00 per month on 1 tracked card.
Quick cut scenarios
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% |
This analyzer takes the category totals from your credit card statements — most card apps show a spending summary by category — and converts them into a monthly average for each category. If you spent $3,600 on groceries over a year, that is $300 a month; $2,400 on dining is $200 a month. Seeing the monthly number is what makes the spending feel real, because that is the scale your budget operates on.
You can add multiple cards and any categories you like, and switch the period between 3 months, 6 months, and a full year. A full year smooths out seasonal spikes (holidays, back-to-school) and gives the most honest average; a shorter window shows your current habits. Comparing the two is useful — if your 3-month average is well above your 12-month average, your spending is trending up.
The goal is not judgment, it is visibility. Most people can name their rent to the dollar but are off by hundreds when guessing their card spending. Once you see the per-category monthly averages, you can plug realistic numbers into a budget instead of optimistic guesses.
Most credit card apps and websites have a "spending summary," "year in review," or "insights" section that totals your purchases by category. You can also download your statements and add up the categories that matter to you.
A full year gives the most accurate average because it includes holidays, annual fees, and seasonal spending. Use 3 or 6 months when you want to see your current habits — for example, after making a change to your spending.
Budgets work in monthly cycles. A $4,800 yearly dining total is abstract, but $400 a month is a number you can directly compare to your income and decide whether it matches your priorities.
No. You type in the totals yourself, and nothing you enter leaves your browser. The calculator does not ask for logins, account numbers, or any personal information.