Where does your money actually go? Survey

Most people know roughly how much they earn. Fewer know where their money actually goes.I'm curious how people think about spending, budgeting, subscriptions, and the tools they use (or don't use) to keep track of it.

This survey takes about 5 minutes. There are no right answers, no sales pitch, and no marketing emails. Your responses will help shape a product I'm working on and more importantly, help me understand how people really manage money day to day.
Thanks for taking the time.

2.Which best describes how you currently keep track of your spending?(Required.)

I use a personal finance app (Monarch, Copilot, YNAB, etc.)

I mostly check my bank app and whatever insights it provides

I use a spreadsheet

I don't actively track my spending, but I have a rough idea where my money goes

I don't really know where my money goes

3.Which of these sounds most like you?(Required.)

I often wonder where my money went at the end of the month

I know I should pay more attention to my spending, but it feels like work

I've tried budgeting or tracking apps and stopped using them

I want a clearer picture of my spending habits

I'm generally happy with how I manage my money

4.What's the most annoying thing about how you currently keep track of money? (Optional, one sentence.)

5.Imagine an app that helps you understand your spending patterns — where your money goes, what's fixed versus flexible, and habits you might not notice — without budgets or spending targets. How interesting would that be to you?(Required.)

6.When do you usually think about your spending?(Required.)

7.How comfortable are you connecting a money app to your bank account?(Required.)

Very comfortable

Comfortable if I trust the company

I'd rather upload statements manually

I would not connect my bank account

8.If a money app could do only ONE thing really well, which would you choose?(Required.)

Show me exactly where my money goes

Help me stick to a budget

Identify subscriptions and recurring expenses

Show spending patterns and habits

Help me save more money

9.Would you be open to trying an early version of this app — no budgets, no judgment? If so, please share your email and we'll be in touch (no spam, no signups).