Know where the money goes.
Then grow what is left.
WealthSmith records every expense, separates the spending you cannot cut from the spending you can, and reports the one number that decides whether wealth accumulates — your savings rate.
Built around one question
Not “what did I spend?” but “how much am I keeping, and what would have to change?”
Every euro accounted for
Accounts, categories, tags and transfers. Balances are derived from the ledger itself, so what you see is what actually happened — and a single click rebuilds any balance from scratch.
Needs versus wants
Mark the categories you cannot cut this month. What remains is the discretionary half of your budget — the only part you actually control, and where savings come from.
Targets that mean something
A savings-rate target, an emergency fund measured in months of your real spending, and goals that tell you the monthly figure needed to reach them on time.
Your budget month, not the calendar’s
Set the month to start on your payday and every figure in the app — the overview, the budgets, the reports — lines up with the cycle you actually live in. A month that runs the 25th to the 24th is the one that matches your bank balance.
Money is stored as exact decimals, never floating point. Amounts are always positive and direction is carried separately, so every total in every report is unambiguous.
Kept €846.65 of €3,400.00 — above a 20% target. The dashboard says so in words, not just in numbers.
Start with one expense
The habit matters more than the setup. Record today’s coffee and the rest follows.
Open the dashboard