Visualize Your Finances With a Money Map.

money map

Why Map Your Finances and Accounts with a Money Map?

When you go on vacation, how many of you are like me? I have to find a map of the area. Because there’s something comforting about knowing exactly where you are at all times. Especially in an unfamiliar city. You can learn how far away the places of interest are, and perhaps even find some “hidden” treasures. All this from the visually appealing lines and notations of a well drawn map.

With this in mind, a map of your finances can be useful as well. It can help to highlight redundancies and inefficiencies. And it can provide security that you understand how your money flows through your accounts.

And because most people are more visual in their learning than others, a money map is a great tool. It helps them to see concepts and ideas rather than just talk about them. To that end, I’ve added this post to a personal finance blog chain. That is to say, there are a few other blog posts on this same topic. All this to give you an idea and hopefully some inspiration to create your own money map for your finances.

Apathy Ends and Budget on a Stick were the anchors of the blog chain. Check out the rest of the links below.

And check out my money map below.


money mapSome notes:

I didn’t actually list my various financial institutions on the map along with the various balances and/or other account info, because, well . . . I wasn’t born yesterday. But for your own personal money map, it might be helpful to keep track of this info.

Our mortgage is our only debt, which is budgeted through our bills and expenses out of our checking account.

I probably could simplify my money map by combining the two savings accounts for the emergency fund. This is just a bit of redundancy that isn’t necessary to eliminate, but it could be an improvement.

The savings escrow account is a way to save money towards recurring annual expenses. Some call these sinking funds. I figured putting them in their own online savings account would earn a little more interest than just keeping that cash in the checking account. Also, as we only use debit cards, I like to limit our exposure by keeping a low balance in our checking account.

Our bank does offer excellent security and monitoring, but why take the risk of possibly having our debit card stolen and our account emptied.


All in all, I’m satisfied with our money map. Because I think it’s relatively simple and easy to understand. And understanding where your money goes and keeping track of all your accounts is a great place to start.

How about you? What does your money map look like? Where can you improve?


The other links in the chain:



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  1. Pingback: The Retirement Manifesto Money Map - The Retirement Manifesto

    • Thanks. Well, mine is simple, and I’ve seen some others that are simple. I’ve also seen some pretty complicated ones too. That’s what makes it interesting though.

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  4. I like the money map idea, Chris. I’m going to do it, because, well, I’m a visual person too. I wanted to do the FIRE Prowess score but realized it would be difficult to do because I’m semi-retired with my military pension. I’ll let Military Dollar figure that one out when he retires.

    Did you use PowerPoint or Sheets to create your money map? I guess that’s the easiest one to use?

    • I thought about the FIRE prowess score too, but then realized that I’m pretty sure my score sucks. And I wasn’t ready for the embarrassment.
      I used PowerPoint for mine. It just took a little work to make it seem less cartoonish (I was going for more flowchart/engineer-like).😁

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  13. Hey Chris – Nice map! Simple, clear, love it.

    Are you working to pay off your mortgage? Like you that’s our only debt and it shows in the map I published today – hope it’s gone by a year from now…

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