This month
↓ 12%$2,847
If invested instead
+$10,526
over 5 years at 7% return
Netflix
$15.99/mo subscription
Coffee budget
$68 of $100
On track
Know where your money goes. Build the life you want.
See exactly where your money goes
Get an effortless breakdown of your finances. See where your money is going and how to improve. We'll show you what your spending could become if invested.
Automatic categorization
Transactions are categorized automatically. No manual tagging required.
Growth potential
See what your spending could become if invested. Small changes, big results.
Smart insights
Get notified about important patterns and opportunities to save.
This month
Dec 2025 - Jan 2026
$2,847
If invested: $3,642 in 5 years
If invested instead
5 years at 7% return
Small changes add up over time
Discover what your spending could become
Every purchase has an opportunity cost. See what your everyday spending could become if invested instead. The numbers might surprise you.
Real opportunity costs
Calculate what your spending could be worth if invested at 7% annual return.
Category insights
See which spending categories have the biggest impact on your future wealth.
Actionable insights
Get specific recommendations on where to cut back and invest more.
Track subscriptions and set goals
We automatically detect recurring subscriptions and help you see their true cost. Set budgets and track your progress toward financial goals.
Subscription detection
We find recurring charges automatically. See what you're really spending each month.
Budget tracking
Set spending limits by category. Get alerts when you're approaching your budget.
Goal progress
Track your progress toward financial goals. See how staying on track impacts your future.
Subscriptions Detected
8 found→ $31,000 if invested over 10 years
Coffee Budget
$68 of $100
On track • $32 remaining
What our users say
Real stories from people who've gained financial clarity.
"SpentWorth showed me my $400/month food delivery habit would be worth $28,000 in 5 years if invested. That hit different. Now I cook more and actually invest the savings."
Michael T.
Now investing $350/mo
"Seeing my $6 daily coffee as a $15,847 opportunity cost over 5 years was the wake-up call I needed. I still get coffee, just not every day. My future self thanks me."
Sarah K.
Freelance Designer
"I found 8 forgotten subscriptions totaling $127/mo. SpentWorth calculated that's $9,100 lost in potential growth over just 5 years. Cancelled them all that same day."
James L.
Cut 8 subscriptions
"We uploaded 2 years of statements. Seeing that our impulse Amazon purchases could've been $12,000 in investments by now... it changed how we shop together."
Amanda & Chris R.
Couple, Austin TX
"The 'what if you invested instead' view is brutal but necessary. My bar tabs from last year? Would've been $4,200 richer today. Still go out, just smarter now."
David P.
Software Engineer
"As a new grad, seeing my small daily expenses add up to $47,000 in missed growth over 10 years was mind-blowing. Started investing immediately. Wish I had this sooner."
Emily W.
Recent Graduate
$18,400
avg. opportunity cost discovered
2 min
to your first insight
6
avg. forgotten subscriptions found
0
bank accounts linked
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Instant Insights
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Smart Analysis
Automatic categorization and real market data show you exactly what your spending could become if invested.
Simple by design
No complicated setup. No account linking required. Just upload your statements and see your insights.
Export from your bank
Download your statements as CSV. Most banks make this easy — just a few clicks in your online banking.
Upload to SpentWorth
We automatically categorize your transactions using smart rules. No manual tagging or setup required.
See your insights
Understand your spending patterns, see opportunity costs, and discover what your money could become.
Your dashboard in 2 minutes
See spending breakdowns, opportunity costs, and insights at a glance
Total Spent
$4,847
If Invested
$6,203
Opportunity Cost
$1,356
Curious what small changes could mean?
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