Pick a Free Tracker
These connect to your bank through Plaid, so your login is never shared with them. Pick one, connect your accounts, and let it categorize a month. These are plain links, not ads. Nadia earns nothing from them.
Rocket Money
Free tier connects your accounts through Plaid, auto-categorizes spending, and flags subscriptions.
Open Rocket MoneyEmpower
Free dashboard that aggregates your accounts and sorts your spending into categories.
Open EmpowerPocketGuard
Free tier links multiple accounts through Plaid and shows what is safe to spend.
Open PocketGuard
The 3 Leaks to Check First
Small and recurring beats big and rare
A forgotten subscription is a monthly tax on doing nothing. Cancel one and it pays you every month for the rest of the year.
Fees, ATMs, rideshares, and delivery add up
A few dollars here, a few dollars there. Categorize a month and the total is almost always a number that surprises you.
Minimum payments are a subscription to the bank
Paying the minimum keeps the balance. That is a monthly fee you pay for the privilege of owing money. Your Cost of Capital shows the real price.
Promise III kept. Promise IV is open next: Ask For One Thing.