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Turbobulls 2.0

Expense tracker

Your spending and investments, together.

See where every euro of the month went, category by category, beside what you kept and what you invested. Imported from your bank's own files and encrypted on your device.

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Money in
€4,690.00
+7.4% vs your average
Spent
€3,010.00
-7.1% vs your average
Invested
€650.00
+8.3% vs your average
Kept
€1,030.00
22% of money in
Everyday account +€480 · Savings +€400 · 1 more

Where your money went

September 2026
Salary€4,300Side gig€350Interest€40Money in€4,690Housing€1,200Groceries€498Transport€276Shopping€232Dining out€214Utilities€186Gifts€160Health€148Subscriptions€96Invested€650Kept€1,030
Money in€4,690
From Salary €4,300 · Side gig €350 · Interest €40
Moves between your own accounts are left out. Click a category to follow it across the page.
The Breakdown on sample data: September's money in on the left, where it went on the right. Click a category to follow it.
Spending

Was this month better than the last?

Any month held against another, in plain words first, then category by category.

Compare any month

Hold a month against the one before, the same month a year earlier or your monthly average. Turbobulls says what changed in plain words, then lists every category with both months, the biggest effect on what you kept first.
  • By category or by account
  • Month-by-month and year-by-year tables too
  • Download any table as a CSV file, made on your device
September 2026 againstAugust 2026

In September 2026 you kept €1,030, €500 more than in August 2026. Biggest changes: Side gig (€350 more), Health (spent €106 less), Shopping (spent €78 less).

CategorySep 2026Aug 2026Change
Side gig€350€0€350 morenew
Health€148€254€106 less42%
Shopping€232€310€78 less25%
Gifts€160€90€70 more78%
Dining out€214€268€54 less20%
Interest€40€0€40 morenew
Groceries€498€532€34 less6%
Transport€276€248€28 more11%
Utilities€186€172€14 more8%
Salary€4,300€4,300Same
Housing€1,200€1,200Same
Subscriptions€96€96Same
Money in€4,690€4,300€390 more9%
Spent€3,010€3,170€160 less5%
Invested€650€600€50 more8%
Kept€1,030€530€500 more94%

How much are you keeping?

Money in above the line, spending and investing below it, and a line for what you kept. Click a month and the Breakdown turns to it. Because your investments live here too, what you keep shows up in your net worth.
  • Months or whole years
  • Pick a category to see it month by month against its average
What a savings rate tells you

Money in and out

Click a month to look at it
Money inSpentInvestedKept
€5.0k€2.5k€0-€2.5k-€5.0kSep 25OctNovDecJan 26FebMarAprMayJunJulAugSep
€5.0k€2.5k€0-€2.5k-€5.0kSep 25OctNovDecJan 26FebMarAprMayJunJulAugSep
€5.0k€2.5k€0-€2.5k-€5.0kOct 25DecFebAprJunAug
Transactions

Is every transaction sorted?

Every account and every payment, each with its category and its account.

Every account, every transaction

The Wallet lists your accounts by kind, with the cash you have, what you owe and what that leaves. Beside them, every transaction by day, with its category and account. Pick an account to see its running balance.
  • Current accounts, savings, cash, cards and loans, in more than 30 currencies
  • Cards and loans count as debt, so your net worth stays true
  • Transfers between your own accounts stay out of your spending
Cash in your accounts€24,180€2,550 owed on cards and loans, €21,630 net
Current accounts€6,240
Savings€17,490
Cards-€2,550
Other€450
Moved to brokers (2)
Interactive Brokers€5,264
Revolut€1,136
TransactionCategoryAccountAmount
1 scheduled aheadRent, 1 Nov -€1,200.00
Sat 17 Oct
SupermarketGroceries · Everyday accountGroceriesEveryday account-€58.40
Fri 16 Oct
BakeryGroceries · CashGroceriesCash-€9.70
RestaurantDining out · Credit cardDining outCredit card-€46.80
Thu 15 Oct
Farmers' marketGroceries · CashGroceriesCash-€23.75
ElectricityUtilities · Everyday accountUtilitiesEveryday account-€86.40
Wed 14 Oct
To Holiday fundTransfer · Everyday accountTransferEveryday account-€250.00
From Everyday accountTransfer · Holiday fundTransferHoliday fund+€250.00
Mon 12 Oct
SupermarketGroceries · Everyday accountGroceriesEveryday account-€96.30
Train ticketsTransport · Credit cardTransportCredit card-€32.00
Fri 9 Oct
EmployerSalary · Everyday accountSalaryEveryday account+€4,300.00
Bank interestInterest · SavingsInterestSavings+€40.00
Net worth

What does it do to your net worth?

Your spending, your accounts and your investments add up to one number, on one page.

Both sides of your money, on one page

The Overview puts your net worth beside what changed it: what you saved and what your investments earned. Money in and out, your investments and your accounts sit under it, each in its own card.
  • What is coming up in the next five weeks, scheduled payments and dividends together
  • How long your cash would last at your usual spending
  • How far you are from financial independence, worked out from both sides, on Turbo Pro
Turbobulls2.0Personal
EURjust now
Overview
Wealth Command Center
Where your money stands, what changed it and what needs a look
CurrencyEURAccounts5Holdings14Brokers2
ImportAdd transaction
2025-10-20→2026-10-19
The last 12 monthsEuro area
Net worth
€75,340
Today
+€212+0.3%
This week
+€684+0.9%
This month
+€1,175+1.6%
This year
+€13,205+21.3%
The gap between the lines is what your investments earned.
€55K€60K€65K€70K€75K€80K
Nov 2025Jan 2026Mar 2026May 2026Jul 2026Sep 2026
Money in and outThe last 12 months
Money in
€51,600
€4,300 a month
Spent
€38,700
75% of money in
Invested
€7,200
Moved to your brokers
Kept
+€5,700
Left in your accounts
Where the money went
Housing€14,40037%
Groceries€6,24016%
Transport€3,4809%
Dining out€2,7607%
Utilities€2,2806%
9 more categoriesOpen the Breakdown
Investments14 holdings
Value
€47,310
Cost €40,250
Earned
+€4,380
The last 12 months
Today
+€168
+0.36% on yesterday
Dividends
€671
Next Fri 23 Oct, €31
Moved most, the last 12 months
Vanguard FTSE All-WorldVWRL+€1,920
iShares Core MSCI EM IMIEIMI+€860
iShares Core S&P 500SXR8+€740
Vanguard EUR Eurozone Government BondVETY-€410
TeslaTSLA+€390
9 more holdingsOpen the Portfolio
Accounts5 open
Cash
€24,180
In 4 accounts
Owed
€2,550
On 1 card or loan
To check
3
Not matched to the bank yet
Cash runway
7.5 months
Of spending, from cash
Balances today
Everyday account3 to check€6,240
Savings€14,600
Holiday fund€2,890
Cash€450
Credit card-€2,550
5 accountsOpen the Wallet
Coming up
Coming in +€4,331Going out -€1,800Next 5 weeks, scheduled and expected
FRI23Vanguard EUR Eurozone Government BondDividend, expected+€31
MON26RentHousing · Everyday account-€1,200
FRI30SalaryMoney In · Everyday account+€4,300
SAT31Into SavingsEveryday account to Savings€400
MON2To your brokerEveryday account-€600
2 more in the next 5 weeksScheduled in the Wallet
Needs a look
2 to do4 going wellFrom your accounts, holdings and health checks
3 transactions are not checked against your bank yetTick them off when your statement shows them, so balances match the bank.Check them
12 transactions have no categoryIn your latest month. Until they are sorted, the Breakdown and the Budget see them as Uncategorized.Sort them
You kept 25% of what came inSavings rate scores 100 of 100.Details
Cash covers 7.5 months of spendingCash runway scores 100 of 100.Details
Your investments earned 9.8% a yearCounting when you bought and sold.Open the Portfolio
1 moreSee all
Financial independenceAt 25 times a year of spending
8%of the way there
About 27 years at the current pace, around 2053
€75,340 now€967,500 needed
Needed
€967,500
25 years of spending
Spending a year
€38,700
At the period's pace
Saving a year
+€12,900
Money in less spent
Could take out a year
€3,014
4% of net worth
Financial healthTarget 70
82of 100, good
From 12 checks of your accounts, spending and holdings
0100
Fundamental
88counts double
Performance
76counts 1.5 times
Advanced
79counts once
Momentum
59
Growing faster lately
Steady income
72
Money in varies a little
Cash share
78
31% of your net worth is cash
Every check
12
See each one and why
All figuresThe last 12 months
Growth
Net worth change+29.3%+€17,090
Wealth velocity+€47 a dayThe last 12 months
Growth rate+6.1% a yearMoney put in not counted
Momentum+18%Growing faster lately
Best month+€2,555May 2026
Returns
Time-weighted return+10.4%Over the period
Money-weighted return+9.8% a yearYour timing counted
Gain on what you hold+17.5%+€7,060 not sold yet
Multiple on invested1.18xBack and held, for each 1 put in
Holdings in profit79%11 of 14
Risk
Sharpe ratio1.12Good for the swings
Largest fall-6.2%From a high to the low after it
Return volatility11.8%How much a year swings
A typical month±2.4%Net worth, up or down
Worst month-€195April 2026
Cash and costs
Cash runway7.5 monthsOf spending, from cash
Savings rate25%Of money in, over the period
Cash share31%Of net worth, aim about 20%
Debt3.3%Owed, of what you own
Fees and taxes€2144.9% of the gain
Imports

Do you have to type it all in?

No. Bring in your bank's statement files, or your history from another budgeting app, in three steps.
  1. history_2021-2026.csv1,248 rows · 184 KBCSV
    statement_oct_2026.xlsx312 rows · 96 KBXLSX
    1

    Export your history

    Download it from your broker or bank: the file it already gives you.

  2. history_2021-2026.csvCSV
    Drop your file here
    or choose one
    Read on this device. Your file is never uploaded.
    2

    Drop the file in

    Files, not logins. It is read on your device and encrypted before anything reaches us, so we cannot read your data.

  3. Review before importing248 rows
    VWCEBuy-€1,689.60
    VWRLDividend+€96.40
    EIMIBuyDup
    Import 245 transactions
    3

    Check it, then import

    Every trade, dividend and fee as your broker booked it, with duplicates marked. Nothing is saved until you import.

Ready-made for 60+ brokers, banks and apps

Import a file
Where does your file come from?
Search 60+ brokers and banksAllInvestmentsBank statements
Popular
  • Trading 212Investments · CSV
  • Interactive BrokersInvestments · CSV
  • DEGIROInvestments · CSV
  • eToroInvestments · XLSX / CSV
  • RevolutInvestments · XLSX / CSV
  • XTBInvestments · XLSX / XLS / CSV
  • Trade RepublicInvestments · CSV
  • 50+ moreAll, A to Z

Names and logos belong to their owners and only show which export files Turbobulls reads. Turbobulls is not affiliated with or endorsed by them.

Anything else comes in through Generic CSV: you match its columns once.

Broker, bank and app names and logos belong to their owners and appear only to show which export files Turbobulls reads. Turbobulls is not affiliated with, endorsed or sponsored by any of them. To have a logo removed, write to hello@turbobulls.com.

End-to-end encrypted

Who can see your spending?

Only you. It is encrypted on your device before it is saved, so we cannot read it, on any plan.

Encrypted on your device, before it is saved

Your data is encrypted in your browser with AES‑256 and stored on our servers as ciphertext. The key opens only with your workspace password or its recovery key, and the password never leaves your device.
  • Each workspace has its own keys
  • Files, not logins: we never ask for your bank or broker password
  • Paid for by subscriptions: no ads, no advertising trackers in the app, no data sales
How the encryption works
End-to-end encryptedEncrypted in this browser before it is saved. We cannot read your portfolio or wallet data.How it works
How your data is protected
What is encrypted, what is not, and what the password and the recovery key do.
On this device

Your portfolio and wallet data is encrypted in this browser, with AES-256, before it is saved. The key opens only with your workspace password or its recovery key.

On our side

We store that data as ciphertext and cannot read it. What stays readable is your email address, and the type and time of each record.

Changing the password

It asks for the current password or the recovery key first. The key is then wrapped again under the new password, so nothing has to be uploaded again. A new recovery key replaces the old one.

The recovery key

The only way back in if the password is lost. We cannot reset it for you. A new one can be made with your current password; the old one then stops working.

Questions about tracking your spending

What people ask before they bring their bank in.

See where every euro goes

Start free, no card
14 days of everything, then a free plan that never expires.