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Free tool

Monthly spending review worksheet

Use this monthly spending review to turn transaction records into one practical decision for next month.

  1. Compare income, expenses and savings for the month.
  2. Find the top three expense categories.
  3. Check subscriptions and recurring bills.
  4. Reconcile cash, bank, card and UPI balances.
  5. Review split bills and unsettled amounts.
  6. Choose one spending change for next month.
  7. Export or back up important records.

How to use this tool

Enter your numbers, review the result, then use My Expense Book to save the actual transaction, budget, savings goal, category list, or monthly review.

Worked example

The example values are already filled in. Adjust them to match your real bill, income, savings target, or monthly review, then record the final decision inside the app.

Related guides

Manage everyday money with clear records and dashboards.

Use My Expense Book as a money manager for income, expenses, accounts, ledgers, budgets, savings, reports, and recurring transactions.

How to Review Monthly Spending and Find Savings

Run a monthly spending review that finds leaks, subscriptions, category spikes, and realistic savings opportunities.

Save the result in My Expense Book

Use the app to turn this calculation into a real budget, transaction, split bill, savings goal, or review habit.