Your money, finally
in one picture.
Spending by envelope. Net worth over time. Cash flow month by month. All in one dashboard connected to your real transactions — no manual data entry, $5/month with a 30-day free trial.
Four reports. Every answer you need.
Spending by Envelope
Budget vs actual for each envelope this month. Color-coded so problems are obvious at a glance: green means you're under budget, amber means you're close to the limit, red means you're over. This is the most-used view in the app.
Net Worth Over Time
Assets (bank account balances) minus liabilities (debt envelope balances) equals net worth. The chart updates with every transaction you post, so you always have a current picture of your trajectory — not a stale monthly snapshot.
No manual data entry. LazeeFish reads from your real envelope balances and connected bank accounts.
Cash Flow
Monthly income vs expenses side by side. See whether you're net positive or negative each month and how that trend is moving. Identify months where expenses spiked — travel, holidays, medical bills — without digging through transaction lists.
A positive cash flow month adds to net worth. A negative one drains it. The chart makes the pattern visible across a full year.
Month-Over-Month
Compare any envelope across the last 12 months. Spot the seasonal patterns that are invisible in a single month view: holiday spending in November and December, higher utility bills in winter, summer travel. Budget those months accurately — before they arrive.
Select any envelope from the dropdown and the 12-month bar chart updates instantly.
Reports that show what matters.
Show you category totals. Where did your money go? That's useful — but it doesn't tell you whether you should have spent that much.
Shows you actual vs your budget for each envelope. The difference is the whole point of envelope budgeting — you see whether you stayed inside what you planned.
Offer similar reports for $99–$180/year. LazeeFish includes all of this in every plan — net worth, cash flow, spending by budget, month-over-month.
The number that tells you if you're winning.
Savings rate is the clearest single number for financial health. It answers one question: of every dollar I earn, how much am I keeping?
Savings rate = (income − expenses) ÷ income × 100
($5,000 − $3,900) ÷ $5,000 = 22%. That's a solid number — the general rule of thumb is 15–20% as a healthy target for most households.
Most financial planners cite 15–20% as a healthy savings rate target. At 10% you're building something. Below 5% you're likely treading water. LazeeFish calculates yours from your actual transaction data — no spreadsheet needed.
Want to project how different savings rates affect your future? Try the savings calculator →
Reports read from real envelope balances.
Most apps calculate "category totals" by adding up tagged transactions. LazeeFish goes further — reports read from your actual envelope budgets and compare against what you allocated.
That means a report doesn't just say "you spent $480 on groceries." It says "you spent $480 against a $500 budget — you have $20 left and are on track." That context is the difference between data and an answer.
Every report updates the moment a transaction posts. No nightly job, no manual refresh, no cache.
Reports questions.
What reports does LazeeFish include?
LazeeFish includes spending by envelope (budget vs actual for each envelope this month), net worth over time, cash flow (income vs expenses by month), month-over-month comparison across the last 12 months, and savings rate. All reports are live and pull from your real transaction data — no manual data entry required.
Is there a net worth tracker?
Yes. LazeeFish calculates net worth as your total assets (bank account balances) minus liabilities (debt envelope balances). The net worth chart updates with every transaction posted, so you always have a current picture. There is no manual data entry required — it flows from the same transactions you're already tracking.
Can I see month-over-month spending?
Yes. The month-over-month report lets you compare any envelope across the last 12 months. This is useful for spotting seasonal patterns — holiday spending in November and December, higher utility bills in winter, summer travel peaks — so you can budget those months accurately in advance instead of being surprised.
How is savings rate calculated?
Savings rate is (income minus expenses) divided by income, expressed as a percentage. If you earned $5,000 and spent $3,900, your savings rate is 22%. LazeeFish computes this from your actual posted transactions, not estimates. The general rule of thumb: 15–20% is a healthy target for most households. Want to project what different rates mean long-term? Try the savings calculator.
Are reports free?
Yes. All reports and charts are included with every plan — no premium tier required. Spending by envelope, net worth, cash flow, month-over-month comparison, savings rate. Core features, not add-ons.
See your numbers
come alive.
Connect your bank, post your first transactions, and every report populates automatically. 30-day free trial, no card to start.