5 min read

Tracking Your Expenses

See exactly where your money goes — split between essentials and lifestyle — and find the leaks that quietly drain your savings.

1
What the Expenses page is for
This is where you see the truth: every rupee that leaves your account each month. FUMONEY splits expenses into Essentials (Fixed) and Lifestyle (Variable) so you can see at a glance how much of your money is locked vs how much you control.
Honesty matters more than precision. Over-estimate variable spending if you're unsure — most people under-report by 20–30%.
2
Read the hero and savings rate
The huge number is your total monthly spend. Beside it, a colour-coded Savings Rate badge tells you what % of your income is free after expenses — emerald means strong (30%+), amber means building (15–30%), rose means vulnerable (<15%).
If your savings rate is red, every new financial decision (loan, big purchase, lifestyle upgrade) compounds the problem. Read the Financial Actions guide before increasing fixed expenses.
3
Fixed vs Variable split bar
Inside the hero, a two-colour bar shows the split between Essentials (slate) and Lifestyle (amber). Essentials are unavoidable monthly bills — rent, EMIs, utilities, insurance premiums. Lifestyle is variable — dining out, travel, shopping. The bigger your essentials %, the less flexibility you have when income drops.
A healthy split is 50–60% essentials, the rest split between investments and lifestyle. If your essentials are above 70%, you are over-committed.
4
Understand the 4 KPIs
• Monthly Spend — total this month • Free Cash — income minus all expenses, the money available for SIPs and goals • Essentials Share — % of spending locked into fixed bills • Spend Ratio — total spend as % of income (Healthy below 70%, Watch up to 85%, Danger above 85%)
5
Add an expense — pick the right type
Click "Add Expense". Pick a category, then choose Fixed or Variable. The rule of thumb: • Fixed = if you stopped paying, you would lose something important (your home, your car, your internet, your insurance cover) • Variable = you can dial it down next month without consequences A gym membership you actually use weekly = Fixed. Random shopping = Variable.
Marking everything as "Fixed" gives a falsely high essentials share and hides your real flexibility. Be ruthless about what is truly fixed.
6
Read the Category Mix and Biggest Variable Spends
The donut shows your top 6 spending categories plus an "Other" bucket. The amber card on the right surfaces the 3 largest variable expenses — these are the leaks. They are sorted by amount, with the highest-spend category at the top.
The biggest leaks are almost always one or two categories — dining out, shopping, or impulse online purchases. Knowing which one drains the most is half the battle.
7
The "trim 20%" insight
At the bottom, a blue card translates a 20% trim of variable spending into both the annual saving and the 20-year compounded value at 12% returns. This is the single best demonstration of why lifestyle inflation costs more than it feels like.
8
Edit, delete, and the side-by-side lists
Below the donut you'll see two parallel columns: Essentials (left) and Lifestyle (right). Each row has a category icon, the amount, and proportion bars showing each item's share within its column. Hover any row to edit or delete. All changes update Savings Rate, Free Cash, and Fitness Score immediately.