Wallet Optimizer

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Step 1: Your Annual Spending

Estimate how much you spend per year in these common categories.

No account requiredData stored securelyNo bank connectionsWe don't sell your data

Quick fill with US averages:

Or import your real spending from a Monarch Money CSV (processed in your browser).

Restaurants, takeout, delivery

$

Supermarkets, Costco, wholesale

$

Gas stations, EV charging

$

Flights, hotels, rideshare

$

Everything else

$

Need more detail? for 16 categories.

Tip: Categories are mutually exclusive. For example, if you enter spending for Amazon, do not include that same amount in Online Shopping. The same applies to Costco and Grocery. Enter Home Utilities for electric, gas, water, sewer, and trash only, not Internet, Cell Phone, or Streaming.