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Where’d it go? Now you’ll know.
From payday to your morning coffee, keep tabs on the money coming in and going out. Add transactions manually, import a CSV, or connect a bank using Live Feeds.
Budget & expense tracker
Dam! Budgeting is this easy?
See what came in, what went out, and what’s left this month. Then build a budget and set goals around the life you’re actually living.
We’re bringing Dam to life! For now, your account and workspace are still running smoothly at SmartFinanceNerd.
October
$1,240 left
Illustrative
- Spent
- $2,860
- Budget
- $4,100
- Income
- $4,850
- Groceries$420 of $500
- Dining$186 of $160
- Transportation$94 of $180
Recent expenses
- Market basketGroceries · today−$64.20
- PaycheckIncome · today+$2,400
- Transit passTransportation · yesterday−$28.00
Savings goal
Emergency fund
$3,200 of $6,000
Illustrative data. This does not reflect the final product.Real Talk 💸
Dam! Where did all my money go?
Your money has been busy.
Groceries here, takeout there, subscriptions everywhere. Somehow, payday feels like it was five minutes ago.
Your budget said one thing. Your spending said, “Bet.”
You made a plan on the first. By the time you checked it again, your categories were already waving the white flag.
That savings goal isn’t gonna save itself.
Your dream vacation, emergency fund, or future big purchase is sitting in your Notes app. Let’s give it a proper plan.
Two people. Two budgets. One big headache.
When everyone’s tracking the same household differently, getting on the same financial page gets messy.
OKAY, HERE’S THE PLAN 🦫
Let’s build a dam good money plan.
Your money doesn’t need to be a whole detective investigation. See what came in, what went out, and what’s left. Then set a budget and goals that actually fit your life.
Expenses, budgets, and goals are front and center. Analytics, household sharing, and bank connections are ready when you need them.
02
Give your spending a game plan.
Set a limit for each category and watch your month unfold. Groceries looking good? Nice. Dining out gone rogue? You’ll see when you’re over the line.
Example
Groceries$420 of $500
Dining$186 of $160
Over budget!
03
Big goals deserve more than a sticky note.
That emergency fund, dream vacation, or future milestone deserves a spot in your financial plan. Keep your savings-balance and net-worth goals alongside your monthly spending and see how you’re progressing.
YOUR MONEY, YOUR RULES ✨
Your finances called. They want to be less complicated.
No more bouncing between random notes, half-finished spreadsheets, and mental math.
Dam brings your monthly income, spending, budgets, and goals together in one workspace, so you can spend less time piecing things together and more time deciding what comes next.
Whether you’re managing your money solo or sharing it with someone else, you’ve got room to make a plan that works for you.
See the whole picture.
Income, spending, and what’s left—all in one monthly view.
Give every category a game plan.
Set budgets around the categories you actually spend in.
Keep your future in the picture.
Put savings and net-worth goals alongside your monthly finances.
Flying solo or building together?
Choose a Solo, Duo, or Household plan that fits how you manage money.
Your money, your method.
Track manually, import a CSV on Builder and above, or connect a bank on Flow.
YOUR PRIVACY MATTERS
Plain talk about your data.
Your information isn’t for sale.
SmartFinanceNerd does not sell your personal information.
Your connection is encrypted.
The service uses encryption in transit. Review our privacy policy for details on how your data is handled.
You’re in control of bank linking.
It’s optional, and Live Feeds runs only after you authorize a connection.
SIMPLE, FLEXIBLE PRICING
Start free. Upgrade when you’re ready.
Create an account to start budgeting. When you want a paid plan, the full list is on the pricing page.
Already have an account? Sign in
Good to know
Got questions? Dam right.
From getting started to connecting your bank, here’s what you need to know.
What exactly is Dam?
Dam is a budgeting and expense tracker that helps you see what comes in, what goes out, and what’s left. Track spending, build budgets, and work toward your financial goals, all in one place. Dam is built by SmartFinanceNerd LLC.
Can I use Dam for free?
Absolutely. Starter is free and lets you track up to 50 new transactions per month, with one account and 30 days of history. No paid subscription is required to get started. Upgrade when you’re ready for unlimited transactions and additional features.
Do I have to connect my bank account?
Nope. You can track your finances manually without connecting a bank. Builder and above also support CSV imports. If you’d rather automate transaction tracking, Flow lets you securely authorize connections to supported financial institutions through Plaid. Bank linking is always optional.
What’s the difference between the plans?
Starter is for getting started with manual tracking. Builder unlocks unlimited transactions and CSV imports. Growth adds advanced analytics and additional financial planning tools. Flow includes everything in Growth, plus automatic transaction imports through optional bank connections. Choose the level of control and convenience that works for you.
How does Dam protect my financial information?
Your privacy matters. SmartFinanceNerd does not sell your personal information, and Dam uses HTTPS encryption to protect information in transit. Connecting a bank is optional and requires your authorization through Plaid. No online service can guarantee absolute security, so review the privacy policy for details.
Can I cancel anytime?
You can cancel from billing settings. Paid features stay available through the end of the period you already paid. After that, the account returns to Starter: up to 50 new transactions a month, 1 visible account, and 30 days of history. Older transactions and entries on extra accounts stay saved and are hidden while you are on Starter.
Get started
See the month clearly enough to decide what happens next.
Create a SmartFinanceNerd account. Dam is waiting inside it.