My primary bank account have some Internet&#x2F;mobile banking features where you can see your current spending, some prediction till end of month.<p>It&#x27;s just simple overview because I have more bank accounts (due to security reasons). Personally the best way how you can track your spending is to create own customized reporting system. It will require tune up at the beginning but it worth. At least you will learn how to think about entire process and your spendings, which information is valuable and which not. You will be able create some additional features (like spending categorization).<p>I have more personal &quot;tracking tools&quot; (spending, time tracking, writing, idea etc.) written in excel, some in power-shell, some of them in HTML and PHP.<p>Other point of view is your psychological attitude to money. If you are responsible with spending your head might be enough. From my experience, money invested to food, bills and mortgage are &quot;sunk costs&quot;.<p>Detail mortgage tracking is different story. It is always good to know how much you can save with different payment attitude.