Your balance isn't what you can spend.
Rent, bills and subscriptions have already claimed part of it. The Money Mode app takes those out first and gives you one honest number for the month, the week and today.
Most money doesn't disappear. It leaks.
Nobody loses $2,000 in one purchase. It goes a few dollars at a time, on things that feel too small to count.
Small daily spendsA coffee, a snack, a drink on the way home. A $6 coffee five days a week adds up faster than it feels.
$30 a week
Forgotten subscriptionsStreaming, apps and free trials that quietly turned into paid plans, renewing whether you use them or not.
$50 a month
Convenience feesDelivery, service and ATM fees that ride along with things you already wanted to buy.
about $33 a month
Example figures. The free Money Leak Finder works out your own from last month's purchases.
Three steps to your number.
Start with last month's real spending, not a budgeting rule you'll quit in a week.
Find your leaks
Log last month's purchases. The Money Leak Finder flags every small spend and shows what they cost you per year.
Use your real numbers
Enter your actual income and bills. Your budget describes your life instead of a 50/30/20 rule that doesn't fit it.
Spend with a clear number
Bills, savings and surprises come out first. What's left is your Safe-to-Spend, per month, per week and per day.
Three free games. No signup.
Practice the habits behind the training in a few minutes. Play in your browser, on your phone or computer.
60 secondsLeak Hunter
Tap the small leaks before they drain your month, and let the essentials through.
Pairs with: why money disappears
Play free →
3 minutesSubscription Smash
Cancel, downgrade or keep each subscription before its renewal timer runs out.
Pairs with: finding small recurring leaks
Play free →
5 minutesSurvive the Month
One paycheck, 30 days and surprise costs. Can you make it to payday?
Pairs with: unexpected expenses
Play free →Want the full toolkit? Get the free MoneyModeReset → · All games →
Start free. Upgrade when you're ready.
The app works in your browser on your phone and computer. The free spreadsheets work in Excel and Google Sheets. Nothing connects to your bank.
MoneyModeReset
Find where your money goes and build a budget on your real numbers.
- Money Leak Finder spreadsheet
- Budgeting 101 guide (PDF)
- Money Leak Cheat Sheet
The Money Mode System
Your Safe-to-Spend number for the month, the week and today, with everything around it in one app. $40 a year or $5 a month.
- Safe-to-Spend dashboard with charts
- Bill calendar and subscription tracker
- Surprise fund, savings goals and debt payoff
- Net worth and year overview
- Saved online, open on any device
- Bonus pack: 9 PDF guides and cheat sheets
Questions, answered.
The short version: start free, upgrade when you're ready, and nothing connects to your bank.
Send a message and we'll get back to you. Contact us →
What is MoneyModeLab?
MoneyModeLab helps you budget around one number, your Safe-to-Spend. You can start free with the Money Mode app and the MoneyModeReset, then upgrade to the full Money Mode System when you're ready.
Is it really free?
Yes. The free Money Mode app needs no sign-up, and the MoneyModeReset (the Money Leak Finder spreadsheet, the Budgeting 101 guide and the cheat sheet) is sent to your inbox straight away. No card needed.
What do I get with the Money Mode System?
The full Money Mode app. It works out your Safe-to-Spend for the month, the week and today, after your bills, subscriptions, savings and a surprise fund. It costs $40 a year or $5 a month, with a 14-day money-back guarantee, and includes a bonus pack of 9 PDF guides and cheat sheets.
What is a Safe-to-Spend number?
It's what's left after bills, debt payments, subscriptions, your surprise fund and savings. It tells you what you can spend this month, this week and today.
Do I need to connect my bank account?
No. You type in your own numbers, so your bank details stay with you. Nothing connects to your bank.
Does it work on my phone?
Yes. The free app and the Money Mode System both run in your browser on your phone and your computer. With the System, sign in with your email to open your numbers anywhere.
Do I need Excel for the spreadsheets?
No. The MoneyModeReset files work in Microsoft Excel and in Google Sheets, which is free.
How much time does it take?
About 2 minutes to try the free app, about 20 minutes to find your leaks with the MoneyModeReset, and about 15 minutes a month to keep the Money Mode System up to date.
What if the Money Mode System isn't for me?
You're covered by a 14-day money-back guarantee. Write to info@getmoneymode.com and we'll sort it out.
Is this financial advice?
No. MoneyModeLab shares general education about budgeting and money habits. For advice about your own situation, talk to a qualified professional.
Find your money leaks in 20 minutes.
Get the free MoneyModeReset and see what last month really cost you.
Get the free MoneyModeReset →Sent to your inbox straight away. No card needed.