Changelog

What's new in HLF Budget Tracker

v1.0.02026-04-30

Launch

  • ·Track every dollar — log income and expenses, assign categories, and add notes. Recurring items like rent and salary are set once and show up every month automatically.
  • ·Know your budget at a glance — set monthly spending limits per category and watch progress bars fill in real time as you spend. No need to reconfigure each month.
  • ·Dashboard that tells the full story — see your income, spending, what you actually saved, your savings rate, and what's still unallocated, all in one view. Flip back to any past month to compare.
  • ·Savings that make sense — mark categories like your 401(k) or emergency fund as savings so your savings rate reflects intentional allocation, not just whatever was left over.
  • ·Reports to spot the patterns — view the full year as a bar chart, a monthly breakdown table, or a category-by-category spend breakdown. Switch between income and expense views.
  • ·Three retirement paths, side by side — the Retirement Calculator shows Traditional FIRE (the 25× rule), Coast FIRE (invest enough now and let it grow), and Wheel FIRE (generate monthly income from your portfolio) all at once so you can see how they compare.
  • ·Your real net worth, calculated — add your home, vehicles, and other assets, your debts, and your investment accounts. The app does the math and shows you where you stand.
  • ·Wheel Strategy income built in — flag which investment accounts you actually use for options trading. Set your target monthly yield with a slider and see what your portfolio is already generating and what you'd need to fully cover your budget.
  • ·Try it without an account — the Retirement Calculator is publicly available. Anyone can run their numbers and see all three retirement scenarios without signing up.
  • ·Looks great, works anywhere — full dark and light mode, clean sidebar navigation, and a layout that works on desktop and mobile.