ok, assume we put every cent spent into the app. How does it help? Most people use it to figure out what their spending looks like. A common realization is "ho

ok, assume we put every cent spent into the app. How does it help? Most people use it to figure out what their spending looks like. A common realization is "holy cow, I spend a ton of my income on [eating out|smokes|alcohol]" You can use it to project future balances with greater accuracy, you can plan bills, etc. I think the value goes up (rapidly) the closer your expenses are to your income. If, by chance, you spend 5% of what you make, tracking your spending is probably utterly uninteresting- it'd be smarter to worry about tracking your investments. But if you spend 90%, 100%, 120% of your take-home, you really really need to track your spending. It can also be handy at tax time if you have more complicated taxes. In my case it gives me a clearer picture of my loans & repayment. As some have mentioned, it makes fraud detection easy.