Most people have more months than money — but that gap is usually a data problem, not an income problem. The TBC Finance category gives you nine precision tools to close that gap. Here are five that change how clearly you see your money.
Ledger — Clear-Line Expense Tracking
Ledger is a clean, no-nonsense expense tracker. Log income and expenses in seconds, assign categories, and see where your money actually goes each month. The monthly breakdown chart makes spending patterns obvious at a glance. This is the app you open when you realize you've lost track of where last month went. Open Ledger →
Budget — Plan Before You Spend
Budget implements zero-based budgeting: you allocate your monthly income across categories before spending it. Set category limits, track actual vs. planned spending in real time, and roll unused amounts to the next month. It takes ten minutes to set up and five minutes a week to maintain. Open Budget →
Subs — Subscription Audit Tool
The average person pays for subscriptions they no longer actively use. Subs gives you a complete picture of your recurring charges — monthly and annual — sorted by cost. Seeing $300+/month in subscriptions laid out in a list is usually motivation enough to cancel the ones you've forgotten about. Open Subs →
Split — Group Expense Tracker
Split tracks shared expenses for trips, roommates, or group dinners without requiring everyone to download the same app. Add a group, log expenses as they happen, and Split calculates exactly who owes what. No more back-of-napkin math or awkward "I think you owe me..." conversations. Open Split →
Ratio — Income Allocation Calculator
Ratio applies the 50/30/20 rule — or any custom split you choose — against your actual income. Enter your monthly take-home pay, see the recommended allocation for needs, wants, and savings, then compare it to what you're actually spending. It's the fastest way to identify where your budget is structurally broken. Open Ratio →
Start With One
Pick the app that addresses your biggest financial blind spot right now. If you don't know where your money goes, start with Ledger. If you're not planning before you spend, start with Budget. If you suspect subscriptions are draining you, start with Subs. All nine finance apps are included in your TBC membership.
Access all finance tools with a TBC AI Playground membership.
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