Starting Amount
$0
Total Month Expenses
$0
Net Remaining
$0
🏛 Next Market Holiday
Budget Year
2026
Monthly Save Goal
$
Annual status
$0 of $0
Set a monthly goal above
Total Net Saved
$0
Your Freedom Level
📂
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CSV, Excel, PDF, or JSON
CSV, Excel, PDF, or JSON
Bank statements, spreadsheets & backups
Big picture
2026
This Month
Total Income$0
Starting Amount$0
Expenses$0
Net—
Annual Budget
Starting Balance$0
Total Income$0
Total Expenses$0
Net Saved—
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YTD Actual
Income$0
Expenses$0
Net (Actual)—
Freedom Level
Level 1
Dollar Mastery
Daily word
⚠ Why this journal exists — the data is sobering
Peer-reviewed studies of real brokerage records find 70–97% of active retail traders lose money over multi-year periods. The factor that separates survivors isn't strategy — it's self-awareness, money management, and budget discipline.
That's why this site puts budgeting before trading. Track your real win rate, real reserve, real numbers — yours, not anyone else's.
Full data + sources → · USP 2020, Taiwan Stock Exchange 1992–2006, ESMA broker disclosures.
Total P&L
$0
Win Days
0 / 0
Avg P&L/Day
$0
Win Rate
0%
TAX ESTIMATE
Short-term · Federal only
Est. Federal Tax
$0
Effective Rate
0%
You Keep
$0
Set Aside / Qtr
$0
⚠ Estimate only — assumes a single filer, short-term capital gains (STCG, the higher rate for trades held under a year) on every trade, and TY 2026 federal brackets (IRS Rev. Proc. 2025-32). State tax and the net investment income tax (NIIT) are not included. Educational content only — not tax advice. Talk with a CPA before filing.
YOUR WIN RATE
—
of your tracked trades closed profitable
Self-reported, from your trade log only. Not a comparison against any external population — past results do not predict future trades.
Consistency
Avg Month
$0
Best Month
$0
Avg Week
$0
This Week
$0
MONTHLY PERFORMANCE
Recent Trades
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Smart Tips
Quick wins for your next run
✅
Check it off: Tap items as you shop. Checked items move to the bottom so you can see what's left at a glance.
🏷️
Store brands save 20-40% on most household staples. Same quality, smaller price tag.
📋
Stick to the list. Impulse buys add up fast. If it's not on the list, it can wait.
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