Household Cash Flow Tracker

The Household Cash Flow Tracker helps you understand how money moves in and out of your household each month by comparing your total income with all recurring and variable expenses. It highlights surpluses or shortfalls so you can see whether your current spending aligns with your financial goals. Whether you're aiming to build savings, reduce debt, or simply gain better control over your finances, this tracker provides clear, personalized insights to support confident, informed budgeting. We also invite you to track your expenses through WSB Online Banking or the WSB Mobile Banking app. Tip: you can set up spending categories to better understand where you use your WSB debit card.

^{Disclaimer: The results are illustrative and hypothetical in nature. Please consult a qualified financial professional for assistance.}

Watertown Savings Bank has been a mutual savings bank since 1870. That means our focus is simple — it’s on our community, not Wall Street or quarterly profits. Our long-term customers would attest that banking feels personal, because it is. From helping families save for what matters most, to helping families buy homes, and local business grow. Your funds at WSB are fully protected--through the FDIC and the DIF. We invite you to open an account with Watertown Savings Bank; you'll be proud to be part of a community institution.