BUDGET TRACKER TOOL

Budgeting made easy

With the Spruce budget tracker, automatically categorize transactions and personalize your Watchlist to keep tabs on your spending in a flash. 

Get started

Track income and spending with Watchlist

  • Monitor money coming in

    If paychecks tend to fluctuate or arrive on different days, set an income goal to make sure you’re on track for the month.

  • Stay on top of money going out

    Track spending in categories you care about and know where to make adjustments if needed.
Get Started

Customize your budget tracking in a few taps

  • Personalize your Watchlist

    With just a few taps, customize the Watchlist and stay up-to-date on your chosen categories.

  • Set custom spending levels

    Choose the amount that works for you and adjust it as needed. No judgment.
Get started

Budget Tracker FAQs

The Watchlist is a quick and easy way for you to track your month-to-date spending by category. You can customize your Watchlist by adding categories important to you. If you want to set a Spending Level for a category, it has to be on your Watchlist first.

We understand you’re busy and a lot of budgeting software can take time to keep up. With Spruce, we make it easy! Your transactions are automatically categorized, and you can choose as many (or as few) categories to monitor on your Watchlist or use to set a Spending Level. Once you add a category to your Watchlist, it takes just seconds to view your month-to-date spending amount from the Spruce homepage.

The Watchlist is a quick and easy way for you to track your month-to-date spending by category. You can customize your Watchlist by adding categories important to you.

Spruce can help you easily build a budget with tools like Spending Levels and Watchlist. Similar to a budget, a Spending Level is a goal you set for yourself. It’s how much money a month you want to keep your spending under for that category. In Spruce, you can create a Spending Level for each transaction category such as Pets or Food & Dining.


Your transactions are automatically categorized, and you can choose as many (or as few) categories to monitor on your Watchlist or use to set a Spending Level. Once you add a category to your Watchlist, it takes just seconds to view your month-to-date spending amount from the Spruce homepage. Spending levels do not stop or prevent transactions.

A budget can help you see where your money is going each month and identify areas where you can cut back or save more money. Maintaining a budget helps you feel more in control of your finances, which can reduce stress and anxiety about money.


Spruce has easy budgeting tools to help you track your finances, automate your savings, and set spending levels for categories you care about.

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.