Budget tracker tool

Build a budget, the easy way.

Easily see where your money is going. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.

Track the spending that matters to you.

That’s the beauty of the Watchlist. You decide which spending categories need a little extra attention. Whether you’re looking to cut back on dining out or make sure you’re not overspending on streaming services, it’s easy to get a complete picture of your spending habits.

Keep tabs on money coming in.

You can also use the Watchlist to monitor your income which can be especially helpful if your paychecks tend to fluctuate or arrive on different days. Even set yourself an income goal to make sure you’re on track for the month.

Personalize your Watchlist.

With just a few taps, you can customize the Watchlist to keep you up-to-date on your chosen categories. And if you change your mind, you can change up your Watchlist just as easily.

When it comes to spending, you make the rules.

Trying to spend less and find some breathing room in your budget? Set your own custom spending levels on the categories of your choosing, and see if you’re close to your level or exceed it. No judgement. Just friendly reminders.

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.

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