UK-ready categories
Tesco, council tax, TV Licence and train fares land in sensible categories, so household spending makes sense at a glance.
Expense tracker UK
Know every pound you spend.
Ever wondered where your salary goes by the third week of the month? D&B Langford Money sorts each transaction, spots repeating payments and shows what your spending is doing in real time.
Start tracking
Read-only bank access
Clarity without the guilt
Everything you need to see.
A spending tracker should answer a useful question quickly. These views turn a long bank statement into decisions you can act on this week.
Subscriptions in view
Recurring payments are grouped together. See when Netflix, gym fees or a rising broadband bill changes, then decide what stays.
Essentials versus extras
Separate rent, food and bills from flexible spending. The split gives your next payday a clear shape.
Low-balance alerts
Get a clear prompt before your balance gets uncomfortable. Overdraft alerts arrive early enough to change course.
Trends over time
Compare this month with last month and see where a small habit has become a large outgoing.
Unusual activity flagged
A payment that looks different from your usual pattern gets your attention, without filling your day with noise.
Built around real lives
Made for your situation.
Your spending pattern depends on what this month asks of you. Choose a view that feels familiar.
Keep the maintenance loan visible.
Separate rent, travel and food from social spending. A balance alert can help you avoid a costly end-of-term surprise.
Make an overdraft plan.
See the regular payments that arrive before payday and identify the subscriptions quietly extending your overdraft.
Give household bills a shape.
Combine groceries, council tax and utilities in one view, then compare the monthly pattern with your family budget.
Find the easy reductions.
Sort discretionary payments by frequency and size. Start with one unused subscription or one repeat purchase.
A personal finance app UK households can read
See it in pounds and pence.
Here is a simple month in the tracker. Every line has a purpose, a category and a place in the bigger picture.
October spending
£1,247.99
TescoGroceries · Essential
£45.00NetflixSubscription · Discretionary
£12.99Council taxHousehold bill · Essential
£120.00Review this subscription. Netflix has appeared for three months. Keep it, change it or cancel an unused service.
Your monthly split
Essential61%
Subscriptions18%
Flexible21%
The useful part is the pattern. You can decide where to look before the next payment lands.
Real stories
Small changes add up.
A clear spending tracker gives people a place to start. These are the moments that made the difference.
"I found two unused subscriptions and kept £80 in my account each month."
Kaely M.
Sylvy Chadhar, parent and part-time administrator, used the grocery trend view for six weeks. She moved one weekly shop and cut her grocery spending by 15%. The household could see the change without keeping a paper ledger.
Sylvy Chadhar, household budget planner
Why did we choose D&B Langford Money? Because the low-balance alert arrived before the overdraft fee, while there was still time to move money.
Cabdulaahi M.
Your data stays yours.
D&B Langford Money uses bank-level encryption and read-only access to help organise your transactions. We don't sell personal data, and our approach is designed for UK GDPR requirements.
Encrypted connectionRead-only accessUK GDPR aware
Your next month can be clearer
Stop guessing, start knowing.
Track your spending automatically and see where each pound is going before the month gets away from you.