Know what you spend, how you spend it, and why.
Vanilla Finances keeps recurring money simple — tag every bill as Essential, Extra, or Emergency and see your fixed monthly burn at a glance.
Get StartedSmarter dashboard
Your year in three numbers, a fixed monthly baseline, and yearly spikes labeled by month — no scrolling through twelve identical grids.
Simple finance events
Every event gets a title, Essential / Extra / Emergency type, monthly or yearly frequency, and money in or out — no account linking clutter.
By type
See how much goes to essentials vs extras vs emergency — built into your dashboard with yearly totals and event lists.
Essential
Extra
Emergency
Budget simulator
What if you added a bill or a raise? Enter an amount, pick in or out, and see your fixed monthly baseline update instantly — before you commit.
Less noise
We removed redundant pages and twelve-category complexity so you focus on what matters.