Your spending and investments, together.
Track cash flow next to your portfolio so savings rate, net worth and FI projections reflect the whole picture - not just the investing side.
Cash flow
See what you earn, spend and save - at a glance.
Net cash flow, savings rate and FI progress update every time a transaction lands. No spreadsheets, no dashboards to rebuild, no month-end rituals.
- Income vs. expenses with net saved
- Live savings rate and FI projection
- Category, merchant and tag breakdowns
- Consistent profit / loss colours across the app
How it works
Set it up once. Let the numbers update themselves.
Add your accounts
Cash, cards and wallets - as many as you like, in any currency. No screen scraping, no OAuth.
Log or import transactions
Quick-add from mobile, CSV imports from banks, or drop a recurring rule once.
Categorise and tag
Auto-categorisation with manual overrides, merchant memory, and flexible tagging.
See the full picture
Cash flow, savings rate and FI projections alongside your investment performance.
Capabilities
Everything you need for day-to-day tracking.
Unified cash flow
Income, spending and investments in one view.
Category breakdown
Monthly, quarterly and yearly by category or tag.
Multi-account
Cash, cards, wallets and brokerages side-by-side.
Recurring rules
Log subscriptions and bills once - reconciled forever.
Savings rate & FI
Live savings rate and Financial Independence projection.
Tags & merchants
Flexible tagging and remembered merchant names.
Trend analytics
Spot rising categories before they become a problem.
Encrypted
Every transaction encrypted on-device. No bank login.
Built for
Whole-picture planners
Households, multi-account holders and FIRE planners who want cash flow next to investments - without handing bank credentials to a third-party aggregator.
FAQ
Answers to common questions.
Do I have to link my bank account?
No - and we prefer it that way. Turbobulls never logs into your bank. Import CSVs from your bank, add transactions manually, or set recurring rules for subscriptions. Your credentials stay with your bank.
How does it connect to my investments?
Cash flow from the expense tracker plugs into the same dashboard as your portfolios, so your savings rate, net worth and FI projections reflect the whole picture - not just the investing side.
Can I track multiple accounts and currencies?
Yes. Add as many wallets, cards and bank accounts as you need. Each transaction is stored in its native currency and rolled up to your reporting currency using live FX.
Is my spending data private?
Transactions are encrypted on your device with AES-256 before they leave. Our servers only see ciphertext - no ads, no tracking, no selling to data brokers.
See your complete financial picture.
Free for 14 days. No credit card, no bank-link required. Cancel anytime.