Should I use a budgeting app or a spreadsheet?

Both work; the right one is the one you'll actually keep up with. Apps win on convenience – they pull transactions automatically, categorize them, and send alerts – which suits people who want low effort and real-time visibility. Spreadsheets win on control, privacy, and cost: they're free, infinitely customizable, and don't require linking bank logins, which appeals to people who like to see the formulas and own their data. A common path is to start in a spreadsheet to learn where your money goes, then graduate to an app once your categories are stable. Whatever you pick, the tool matters less than the weekly habit of looking at it. If you just want a quick read on your current spending split, the budget-analyzer at wealthserene.com/tools/budget-analyzer needs no account.