Free Income Gap Snapshot
Enter your income, critical bills, and spending. Get an instant breakdown of where your money goes, your top cut opportunities, and your debt interest burden — all in your browser, nothing stored.
Monthly take-home income
Your actual take-home after taxes and payroll deductions.
Critical recurring bills
Rent, utilities, insurance, minimum debt payments, groceries, transportation — things you cannot cut.
Non-critical recurring spending
Subscriptions, dining, entertainment, gym, shopping — things that could be reduced or cut.
Debt balancesoptional
Credit cards, personal loans, student loans — used to compute interest burden and payoff timeline.
Your snapshot will appear here
Enter your monthly income to see the breakdown update in real time.
How it works
Three inputs. Instant picture.
No account. No bank login. Just numbers you already know.
Enter your income and bills
Add your monthly take-home, then list your critical bills and non-critical spending by category and amount.
See the breakdown live
As you type, the results panel updates instantly — surplus or deficit, spending split, and your top three cut candidates.
Review next steps
Rule-based general guidance surfaces based on your numbers: overspend ratios, debt burden flags, and where to focus first.
FAQ
Common questions
Ready for the actual picture?
The snapshot is based on what you remember. LedgerLens Pro pulls from your real bank statements — so you see exactly where your money went, down to the transaction. Starting at $19/month.