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.

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.

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