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 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 in any currency - three on the free plan, unlimited on Spending Pro or Turbo Pro. No screen scraping, no OAuth.
Log or import transactions
Quick-add from mobile, or import a CSV from your bank. The free plan holds 120 wallet transactions; Spending Pro or Turbo Pro lifts the cap.
Categorise and tag
Organise every transaction with categories and flexible tags - 10 of each on the free plan. Spending Pro makes categories unlimited and raises tags to 30; Turbo Pro lifts both.
See the full picture
Cash flow, savings rate and FI projections alongside your investment performance.
Capabilities
Everything you need for day-to-day tracking.
Every account starts with 14 days of everything, no card. After that the free plan keeps the ledger - accounts, transactions, categories, tags, export and encryption - inside caps: 3 accounts, 120 wallet transactions, 10 categories and 10 tags. Budgeting narrows to read-only. Spending Pro lifts the spending caps and opens budgeting back up, and it leaves the investing side exactly at free-plan depth. Turbo Pro lifts every cap on both sides.
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.
Envelope budgeting
Assign money to categories and track what is left, month by month.
Savings rate & FI
Live savings rate and Financial Independence projection.
Tags & categories
Flexible tagging and category breakdowns.
Multi-currency
Each transaction in its native currency, converted on its date.
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 or add transactions manually. 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 wallets, cards and bank accounts in any currency - three on the free plan, unlimited on Spending Pro or Turbo Pro. Each transaction is stored in its native currency and rolled up to your reporting currency using the exchange rate on its date.
Is my spending data private?
Transactions are encrypted on your device with AES-256 before they leave. Our servers only see ciphertext - no advertising trackers, no selling to data brokers.
See your complete financial picture.
Every account starts with 14 days of everything, no card and no bank link. When the trial ends you keep a free plan - no time limit, nothing deleted.