Overview
Jan – Dec 2026
Total Income
€7.1k
3 months of data
Total Expenses
€5.7k
3 active months
Net Balance
€1,470.43
Surplus YTD
Savings Rate
20.6%
Of gross income saved
Monthly Cash Flow Income vs Expenses
Spending Breakdown By category YTD
Monthly Expense Breakdown Stacked by section
Top Spending Categories Year to date
Groceries
€1,885.00
Mortgage/rent
€1,640.40
Health Insurance
€486.91
Clothing
€302.73
DUO
€277.32
Verwarming (Ennatuurlijk)
€210.00
Internet/TV
€207.00
Anneroos extra payment care
€150.00
Utilities (Essent)
€135.00
Insurance Centraal Beheer
€65.52
Gemeentelijke Belasting (GB Twente)
€54.90
Woonverzekering
€50.22
Income Review
2026 Full Year
YTD Total
€7,127.55
All sources combined
Monthly Avg
€2.4k
Active months only
Best Month
€2.4k
JAN 2026
Income Sources
1
Single stream
Monthly Income by Source All sources — bar chart
Income Source Split YTD proportion
Monthly Income Table
| Month | Salary / Wages | Total |
|---|---|---|
| JAN | €2,375.85 | €2,375.85 |
| FEB | €2,375.85 | €2,375.85 |
| MAR | €2,375.85 | €2,375.85 |
| TOTAL | €7,127.55 | €7,127.55 |
Quarterly Spending
Q1–Q4
Q1 · Expenses
€5,657.12
JAN, FEB, MAR
Q2 · Expenses
€0.00
APR, MAY, JUN
Q3 · Expenses
€0.00
JUL, AUG, SEP
Q4 · Expenses
€0.00
OCT, NOV, DEC
Quarterly Spending by Category Stacked bar
Q1 Detail JAN / FEB / MAR
Groceries
€1,885.00
Mortgage/rent
€1,640.40
Health Insurance
€486.91
Clothing
€302.73
DUO
€277.32
Verwarming (Ennatuurlijk)
€210.00
Internet/TV
€207.00
Anneroos extra payment care
€150.00
Utilities (Essent)
€135.00
Insurance Centraal Beheer
€65.52
Gemeentelijke Belasting (GB Twente)
€54.90
Woonverzekering
€50.22
Gas/fuel
€49.99
Baby Clothing
€35.00
Salon/barber
€32.00
Mobile telephone
€25.81
Lunch work
€22.50
Spotify
€12.99
Public transportation
€7.05
MS 365
€6.78
Q2 Detail APR / MAY / JUN
Full Quarterly Breakdown All categories
| Category | Section | Q1 | Q2 | Q3 | Q4 | Total |
|---|---|---|---|---|---|---|
Groceries |
DAILY LIVING | €1,885.00 | — | — | — | €1,885.00 |
Lunch work |
DAILY LIVING | €22.50 | — | — | — | €22.50 |
Baby Clothing |
FAMILY | €35.00 | — | — | — | €35.00 |
DUO |
FINANCIAL OBLIGATIONS | €277.32 | — | — | — | €277.32 |
Health Insurance |
HEALTH | €486.91 | — | — | — | €486.91 |
Gemeentelijke Belasting (GB Twente) |
HOME | €54.90 | — | — | — | €54.90 |
Internet/TV |
HOME | €207.00 | — | — | — | €207.00 |
Mobile telephone |
HOME | €25.81 | — | — | — | €25.81 |
Mortgage/rent |
HOME | €1,640.40 | — | — | — | €1,640.40 |
Utilities (Essent) |
HOME | €135.00 | — | — | — | €135.00 |
Verwarming (Ennatuurlijk) |
HOME | €210.00 | — | — | — | €210.00 |
Clothing |
PERSONAL | €302.73 | — | — | — | €302.73 |
Lunch work |
PERSONAL | €22.50 | — | — | — | €22.50 |
Salon/barber |
PERSONAL | €32.00 | — | — | — | €32.00 |
MS 365 |
SUBSCRIPTIONS | €6.78 | — | — | — | €6.78 |
Spotify |
SUBSCRIPTIONS | €12.99 | — | — | — | €12.99 |
Gas/fuel |
TRANSPORTATION | €49.99 | — | — | — | €49.99 |
Insurance Centraal Beheer |
TRANSPORTATION | €65.52 | — | — | — | €65.52 |
Public transportation |
TRANSPORTATION | €7.05 | — | — | — | €7.05 |
Budget vs Actual
Select a month
Category Comparison Actual vs Budget — click a bar to set budget
Set Monthly Budgets Click any category to configure
Add Income
Personal & Business · 2026
💼 Personal Income
Salary, pension, interest, misc
🏢 Business Income
Revenue, invoices, client payments
Income Log
3 entries
JAN
€2.4k
FEB
€2.4k
MAR
€2.4k
APR
—
MAY
—
JUN
—
JUL
—
AUG
—
SEP
—
OCT
—
NOV
—
DEC
—
| Added | Month | Source | Description | Type | Amount | |
|---|---|---|---|---|---|---|
| 17 Mar | JAN | Salary / Wages | Fundaments B.V. | personal | €2,375.85 | |
| 28 Mar | FEB | Salary / Wages | Fundaments | personal | €2,375.85 | |
| 28 Mar | MAR | Salary / Wages | Fundaments | personal | €2,375.85 |
Add Spending
Manual entry · stored in database
New Transaction
All Transactions 55 entries
| Added | Month | Section | Category | Description | Type | Amount | |
|---|---|---|---|---|---|---|---|
| 28 Mar | JAN | FAMILY | Baby Clothing | Sm nike set | personal | €35.00 | |
| 28 Mar | JAN | DAILY LIVING | Groceries | Boodschappen | personal | €75.00 | |
| 28 Mar | JAN | DAILY LIVING | Groceries | Boodschappen | personal | €85.00 | |
| 28 Mar | JAN | DAILY LIVING | Groceries | Boodschappen | personal | €25.00 | |
| 28 Mar | JAN | SUBSCRIPTIONS | Spotify | Spotify | personal | €12.99 | |
| 28 Mar | JAN | HOME | Mobile telephone | Vodafone | personal | €25.81 | |
| 28 Mar | JAN | HOME | Gemeentelijke Belasting (GB Twente) | GB Twente | personal | €54.90 | |
| 28 Mar | JAN | PERSONAL | Clothing | Nieuwe Schoenen | personal | €144.34 | |
| 28 Mar | JAN | TRANSPORTATION | Gas/fuel | Tanken | personal | €49.99 | |
| 28 Mar | JAN | PERSONAL | Clothing | Zara | personal | €119.12 | |
| 28 Mar | JAN | PERSONAL | Salon/barber | Carlito | personal | €32.00 | |
| 28 Mar | JAN | PERSONAL | Lunch work | Lunch december | personal | €10.00 | |
| 28 Mar | JAN | PERSONAL | Lunch work | Lunch november | personal | €12.50 | |
| 28 Mar | MAR | FINANCIAL OBLIGATIONS | DUO | Betalingsreg. | personal | €65.00 | |
| 28 Mar | FEB | FINANCIAL OBLIGATIONS | DUO | Betalingsreg. | personal | €65.00 | |
| 28 Mar | JAN | FINANCIAL OBLIGATIONS | DUO | Betalingsreg. | personal | €65.00 | |
| 28 Mar | MAR | FINANCIAL OBLIGATIONS | DUO | Studieschuld | personal | €27.44 | |
| 28 Mar | FEB | FINANCIAL OBLIGATIONS | DUO | Studieschuld | personal | €27.44 | |
| 28 Mar | JAN | FINANCIAL OBLIGATIONS | DUO | Studieschuld | personal | €27.44 | |
| 28 Mar | MAR | INCOME | Salary / Wages | Fundaments | personal | €2,375.85 | |
| 28 Mar | FEB | INCOME | Salary / Wages | Fundaments | personal | €2,375.85 | |
| 21 Mar | MAR | HOME | Woonverzekering | Centraal Beheer | personal | €16.74 | |
| 21 Mar | FEB | HOME | Woonverzekering | Centraal Beheer | personal | €16.74 | |
| 21 Mar | JAN | HOME | Woonverzekering | Centraal Beheer | personal | €16.74 | |
| 21 Mar | MAR | TRANSPORTATION | Insurance Centraal Beheer | Fietsverzekering | personal | €21.84 | |
| 21 Mar | FEB | TRANSPORTATION | Insurance Centraal Beheer | Fietsverzekering | personal | €21.84 | |
| 21 Mar | JAN | TRANSPORTATION | Insurance Centraal Beheer | Fietsverzekering | personal | €21.84 | |
| 21 Mar | MAR | HOME | Utilities (Essent) | Elektriciteit | personal | €45.00 | |
| 21 Mar | FEB | HOME | Utilities (Essent) | Elektriciteit | personal | €45.00 | |
| 21 Mar | JAN | HOME | Utilities (Essent) | Elektriciteit | personal | €45.00 | |
| 21 Mar | MAR | HOME | Verwarming (Ennatuurlijk) | Warmte levering | personal | €70.00 | |
| 21 Mar | FEB | HOME | Verwarming (Ennatuurlijk) | Warmte levering | personal | €70.00 | |
| 21 Mar | JAN | HOME | Verwarming (Ennatuurlijk) | Warmte levering | personal | €70.00 | |
| 21 Mar | MAR | HEALTH | Health Insurance | Zilveren Kruis | personal | €164.87 | |
| 21 Mar | FEB | HEALTH | Health Insurance | Zilveren Kruis | personal | €161.02 | |
| 21 Mar | JAN | HEALTH | Health Insurance | Zilveren Kruis | personal | €161.02 | |
| 21 Mar | JAN | DAILY LIVING | Groceries | Boodschappen | personal | €350.00 | |
| 21 Mar | MAR | DAILY LIVING | Groceries | Boodschappen | personal | €350.00 | |
| 21 Mar | FEB | DAILY LIVING | Groceries | Boodschappen | personal | €650.00 | |
| 21 Mar | MAR | FAMILY | Anneroos extra payment care | Care+ | personal | €50.00 | |
| 21 Mar | FEB | FAMILY | Anneroos extra payment care | Care+ | personal | €50.00 | |
| 21 Mar | JAN | FAMILY | Anneroos extra payment care | Care+ | personal | €50.00 | |
| 21 Mar | JAN | DAILY LIVING | Groceries | Boodschappen | personal | €350.00 | |
| 21 Mar | MAR | TRANSPORTATION | Public transportation | NS | personal | €2.35 | |
| 21 Mar | FEB | TRANSPORTATION | Public transportation | NS | personal | €2.35 | |
| 21 Mar | MAR | HOME | Internet/TV | Ziggo | personal | €69.00 | |
| 21 Mar | FEB | HOME | Internet/TV | Ziggo | personal | €69.00 | |
| 21 Mar | MAR | HOME | Mortgage/rent | Hypotheek | personal | €546.80 | |
| 21 Mar | FEB | HOME | Mortgage/rent | Hyptoheek | personal | €546.80 | |
| 21 Mar | JAN | HOME | Mortgage/rent | Hypotheek | personal | €546.80 | |
| 21 Mar | JAN | SUBSCRIPTIONS | MS 365 | FMM | personal | €6.78 | |
| 17 Mar | JAN | HOME | Internet/TV | Ziggo | personal | €69.00 | |
| 17 Mar | JAN | PERSONAL | Clothing | H&M | personal | €39.27 | |
| 17 Mar | JAN | TRANSPORTATION | Public transportation | NS | personal | €2.35 | |
| 17 Mar | JAN | INCOME | Salary / Wages | Fundaments B.V. | personal | €2,375.85 |
Manage Labels
2 custom · 68 built-in
Add New Label
Custom Labels
2 labels
| Label Name | Section | Color | ||
|---|---|---|---|---|
| Anneroos extra payment care | FAMILY | #2651a6 |
|
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| Woonverzekering | HOME | #6b8cff |
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Built-in Categories
From your Excel — fully editable
| Category Name | Section | ||
|---|---|---|---|
| DAILY LIVING | |||
| Baby Things | DAILY LIVING |
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| Child care | DAILY LIVING |
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| Dining out | DAILY LIVING |
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| Groceries | DAILY LIVING |
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| Housecleaning service | DAILY LIVING |
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| Lunch work | DAILY LIVING |
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| ENTERTAINMENT | |||
| Cable TV | ENTERTAINMENT |
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| Concerts/clubs | ENTERTAINMENT |
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| Movies/plays | ENTERTAINMENT |
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| VUE | ENTERTAINMENT |
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| FAMILY | |||
| Baby Clothing | FAMILY |
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| Daycare | FAMILY |
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| Family Trip | FAMILY |
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| Toys/child gear | FAMILY |
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| FINANCIAL OBLIGATIONS | |||
| Credit card payments | FINANCIAL OBLIGATIONS |
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| DUO | FINANCIAL OBLIGATIONS |
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| Income tax (additional) | FINANCIAL OBLIGATIONS |
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| Long-term savings | FINANCIAL OBLIGATIONS |
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| Retirement (401k, Roth IRA) | FINANCIAL OBLIGATIONS |
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| HEALTH | |||
| Co-payments/out-of-pocket | HEALTH |
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| Health Insurance | HEALTH |
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| Health club dues | HEALTH |
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| Life insurance | HEALTH |
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| Over-the-counter drugs | HEALTH |
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| Prescriptions | HEALTH |
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| Veterinarians/pet medicines | HEALTH |
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| HOLIDAYS | |||
| Accommodations | HOLIDAYS |
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| Air fare | HOLIDAYS |
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| Food | HOLIDAYS |
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| Pet boarding | HOLIDAYS |
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| Rental car | HOLIDAYS |
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| Souvenirs | HOLIDAYS |
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| HOME | |||
| Gemeentelijke Belasting (GB Twente) | HOME |
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| Home improvement | HOME |
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| Internet/TV | HOME |
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| Mobile telephone | HOME |
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| Mortgage/rent | HOME |
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| Utilities (Essent) | HOME |
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| Verwarming (Ennatuurlijk) | HOME |
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| Water | HOME |
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| INCOME | |||
| Business | INCOME |
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| Interest/dividends | INCOME |
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| Miscellaneous | INCOME |
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| Pension | INCOME |
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| Salary / Wages | INCOME |
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| MISC. PAYMENTS | |||
| Baby things | MISC. PAYMENTS |
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| Boete | MISC. PAYMENTS |
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| Centraal Beheer | MISC. PAYMENTS |
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| Gemeente Waterschapbelasting | MISC. PAYMENTS |
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| Gemeentelijke Belasting | MISC. PAYMENTS |
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| PERSONAL | |||
| Books | PERSONAL |
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| Clothing | PERSONAL |
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| Gifts | PERSONAL |
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| Lunch work | PERSONAL |
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| Salon/barber | PERSONAL |
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| SUBSCRIPTIONS | |||
| Charity | SUBSCRIPTIONS |
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| MS 365 | SUBSCRIPTIONS |
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| Netflix + Google Photo's | SUBSCRIPTIONS |
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| Public television | SUBSCRIPTIONS |
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| Real Madrid | SUBSCRIPTIONS |
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| Religious organizations | SUBSCRIPTIONS |
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| Spotify | SUBSCRIPTIONS |
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| TRANSPORTATION | |||
| Car wash/detailing services | TRANSPORTATION |
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| Gas/fuel | TRANSPORTATION |
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| Insurance Centraal Beheer | TRANSPORTATION |
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| Parking | TRANSPORTATION |
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| Public transportation | TRANSPORTATION |
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| Repairs | TRANSPORTATION |
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