How to
How to save money from your salary
Saving from a salary isn't about earning more — it's about deciding to save before you spend, and closing the biggest leaks. Small, consistent moves beat occasional big ones.
Here's how to build the habit.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Balance - Expense Tracker by Clarzen on Google Play
- 01
Pay yourself first
Move a fixed savings amount on payday, before other spending. What you don't see, you don't spend.
- 02
Find your biggest leak
Look at your top spending categories and target the largest discretionary one for a trim.
- 03
Cut forgotten subscriptions
Recurring charges you don't use are the easiest savings there is. Audit and cancel them.
- 04
Track your savings rate
Measure savings as a percentage of income and aim to nudge it up over time.
Doing it with Balance
Balance helps on every step — analytics reveal your biggest leaks, subscription radar catches the forgotten charges, and you can check your savings rate with our free calculator.
Frequently asked questions
What's a good savings rate?
A 20% savings rate is a healthy long-term target, though any consistent amount is progress. Use our free savings-rate calculator to see where you stand.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Keep exploring
Track every expense. Ask anything.
Free to download, no ads, no bank login. Get Balance on Google Play and start tracking in minutes.
