Over the decades i do quite a few attempts to track expenses. None of this works well because it requires alot of work and therefore I only do them briefly. Now, I have fine-tune much simpler way to collect expense data in-which I like to share. Regardless using ATM or Credit Card Payment or Giro or .... they are recorded in the saving account. This includes salary, dividends, transfers etc. Therefore the data is already there. There is no need to manually replicate data into another tracking app. On a regular monthly or bi-monthly basis depending on your bank search limit, we can download the information into Excel. Tag those with high expenses and those that aren't expenses. Usually different columns. Is that simple. Afterwhich, play with the data as you wish in Excel. The effort only takes like 15 min to 30 min depending on individual specific needs. For me, I will combine all the data into...