Personal Finance & Budget Tracking Made Simple

Track expenses, subscriptions, and recurring payments across all your accounts. Understand spending patterns, cashflow trends, and where your money goes - automatically.

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Expense Categories

$9.1K
Housing
41.6%
Shopping
13.9%
Gov't & Non Profit
10.6%

Subscriptions

$82.99
Stock Gumshoe
$7
T-Mobile
$60
Netflix
$15.99

Recurring Expenses

$3.1K
Puget Sound Energy
$262.04
T-Mobile
$60
Rent Payment
$2800

Top Merchants

Walmart$445
Fred Meyer$387
Internal Revenue Service$970
Wise Inc$855

Why Manual Budget and Expense Tracking Fails

Managing transactions, subscriptions, and recurring expenses across accounts is overwhelming

Subscriptions & Expenses Across Multiple Accounts

Expenses spread across banks and credit cards make it hard to track true monthly spending.

No Clear Visibility Into Spending Patterns

Without proper expense tracking, it's impossible to identify leaks or overspending.

Missed Cashflow Trends and Price Increases

Manual tracking fails to catch rising subscriptions and recurring expense changes.

How Budget and Cashflow Tracking Works

Simple setup, automatic tracking, powerful insights

1

Link Your Bank and Credit Card Accounts

Connect bank accounts and credit cards using secure Account Aggregator and Plaid integrations

2

View All Transactions in One Dashboard

See income and expenses from all accounts in a single consolidated timeline

3

Analyze Spending and Cashflow Trends

Analyze category breakdowns, merchant spending, and month-over-month cashflow trends

4

Get Smart Alerts and Insights

Receive alerts about spending increases, recurring bills, and unusual transactions

Expense, Budget, and Cashflow Tracking in One Dashboard

InvestMates automatically tracks transactions, subscriptions, and recurring expenses across linked accounts

Unified Transaction Timeline

View all transactions across bank accounts and credit cards in a single consolidated list

Subscription Tracking

Dedicated tracking for all subscriptions with price change alerts and monthly/yearly cost analysis

Recurring Expense Analysis

Automatically identify and track recurring bills separately from one-time expenses

Auto-Categorization & Tags

Transactions automatically categorized with ability to add custom tags for better tracking

Category & Merchant Breakdown

See spending by category and merchant to understand where money goes each month

Income & Expense Tracking

Track monthly and yearly income, expenses, and net cashflow with clear visualizations

Deficit/Surplus Rate

Financial health metric showing your savings rate and month-over-month trends

Personal & Business Separation

Tag and track business expenses separately from personal spending for clearer records

Trusted by Thousands Managing Their Personal Finances

See how InvestMates members are saving thousands every year

25,000+
Users Tracking Cashflow
$1.2B+
Transaction Tracked
150K+
Subscriptions Monitored
Real-time
Transaction Sync
"

Finally can see all my transactions in one place. No more switching between 5 different banking apps.

Amit

Amit

Software Engineer

"

The subscription tracking showed me I was spending $400/month on services I forgot about. Cancelled 6 subscriptions.

Priya

Priya

Marketing Manager

"

Tracking business expenses separately has made tax season so much easier. The recurring expense feature is a game changer.

Neha

Neha

Consultant

Visualize Your Income, Expenses, and Savings

Compare income vs expenses, monitor savings rates, and understand monthly cashflow trends with clear visual dashboards.

Income vs. Expenses

Jan
Feb
Mar
Apr
May
Jun
Income
Expenses
Income
$101,040
+12.3%
Expenses
$78,234
+8.7%
Net Savings
$22,806
+34.1%
Deficit Rate
52.1%
-2.3%

Detailed Expense Category Breakdown

View All →
CategoryJanGrand Total%Trend
Housing$3,795$22,77041.6%+34.1%
Shopping$1,266$7,59613.9%-12.4%
Government and Non Profit$970$5,82010.6%+5.2%
Transfers$855$5,1309.4%-8.1%
Personal Care$500$3,0005.5%+15.7%

Smart Insights to Reduce Spending Automatically

NEWView All →

Subscription price increased

EASY

Cinemark Theatres subscription cost increased by 132% in December

Bank fees spike detected

EASY

$414 charged recently - significantly higher than usual

Recurring expense above median

EASY

Puget Sound Energy $262.04 is highest in the past 6 months

Frequently asked questions

Everything you need to know about cashflow tracking

InvestMates connects to your bank accounts and credit cards using secure integrations like Account Aggregator (for Indian accounts) and Plaid (for US accounts). Transactions are automatically synced and categorized in your dashboard with read-only access. This automated spending pattern analysis helps you understand where your money goes each month without manual data entry.
InvestMates automatically identifies recurring subscription charges and tracks them in a dedicated section. You can see all subscriptions in one place, monitor price changes, and get alerts when subscription costs increase. This feature helps you reduce recurring expenses by identifying forgotten or unused subscriptions that drain your budget.
You can link 200+ Indian banks and financial institutions through Account Aggregator, and 12,000+ US institutions through Plaid. This includes checking accounts, savings accounts, credit cards, and investment accounts.
Yes. Transactions are automatically categorized based on merchant data and transaction patterns. You can also manually adjust categories and add custom tags for better organization. This categorization supports your financial goal planning by giving you clear visibility into spending across different areas of your life.
Yes. InvestMates allows you to separate personal and business transactions. You can tag business-related expenses and view separate cashflow reports for each category, making tax season much easier. This tax-ready expense tracking ensures you have organized records when filing returns or working with your accountant. Learn more about DTAA tax benefits and tax-saving strategies for NRIs in the USA to maximize your deductions.
Transaction data appears immediately after linking your accounts. Cashflow reports are generated in real-time. AI-based insights like subscription price changes and spending anomalies start appearing within 24 hours as the system analyzes your patterns. For cross-border investors managing US-India wealth, you can explore DTAA benefits to optimize your tax situation.

Start Tracking Your Cashflow with Clarity

Get a complete view of your transactions, spending patterns, and monthly cashflow with InvestMates.

Free forever. No credit card required. 2-minute setup.