Top 3 Free Tools to Track Your Spending as a Teenager

🧰 Top 3 Free Tools to Track Your Spending as a Teenager

Tracking your expenses is the first step to becoming smart with money — even as a teenager. These 3 free tools make it super easy to see where your money goes and help you build strong financial habits early.

1. Google Sheets (Free Budget Template)

A simple and flexible tool you can customize to track your daily, weekly, or monthly spending.

Why it’s great:

  • 100% free

  • Works on phone or laptop

  • Can be customized easily

  • Charts and formulas show how much you save/spend

👉 Tip: Search for “Free Google Sheets Budget Template” or create your own in minutes.

2. Walnut (India Only): Now Known As Axio

Walnut is a personal finance app that automatically tracks your expenses by reading your SMS transaction alerts.

Why it’s great:

  • Tracks spending without manual entry

  • Automatically categorizes expenses

  • Works with UPI, debit cards, wallets, etc.

  • Sends monthly spending reports

👉 Tip: Use Walnut if you spend mostly through digital payments.

3. Spendee (Free Version)

A beginner-friendly app with beautiful visuals and budgeting tools for teens.

Why it’s great:

  • Clean and simple interface

  • Manual entry of cash or card expenses

  • Daily and monthly budget tracking

  • Visual breakdowns (charts, graphs)

👉 Tip: Perfect if you want reminders and a visual overview of your money.


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