Trackm

Trackm is a personal finance tracker that offers pocket-based budgeting with zero-access encryption. Pay once for lifetime access, ensuring your financial data remains private and secure without subscriptions.

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At a glance

Pricing

Paid

Free tier

Yes

API

Skill level

Non-technical

About

What is Trackm?

Trackm is a personal finance tracker designed for privacy-conscious individuals seeking to manage their finances without subscriptions or data sharing. It utilizes a pocket-based budgeting system, allowing users to allocate funds into named categories and track income, expenses, and transfers. A key differentiator is its zero-access encryption, where data keys are derived from your password and never transmitted, ensuring only you can access your budget. Trackm also offers a powerful deficit forecast feature, projecting recurring rules 90 days ahead and alerting users to potential negative balances, enabling proactive financial management. With a one-time payment for lifetime access, it provides a focused tool for budgeting, net worth tracking, and expense categorization.

Best used for

Ideal for individuals who need to manage their personal finances with a strong emphasis on privacy, forecast future cash flow to avoid overdrafts, and categorize spending to understand financial habits. Especially valuable for those seeking a one-time payment solution without recurring subscriptions or data sharing.

Common actions

track expenses

manage budget

forecast finances

secure financial data

categorize spending

budgeting appmoney managementprivacy-focusedone-time purchaseexpense trackerfinancial planningno subscriptionfinancial forecastingPersonal financenet worth

Capabilities

Key features

Pocket-based budgeting
Zero-access encryption
Deficit forecast
Net worth tracking
Recurring operations
Category breakdowns

Target Audience

privacy-conscious individualsbudgeterspersonal finance enthusiasts

Integrations

Not yet documented

Pricing & Plans

Paid

Free Trial

FAQs

What happens after the 30-day free trial ends?

After the 30-day free trial, your data remains safe and fully readable. You can continue to view your financial history, but adding new transactions will require the one-time $35 upgrade to unlock full functionality.

Is there a mobile app for Trackm?

Trackm functions as a progressive web app (PWA), which means you can install it directly from your browser onto both iOS and Android devices. No separate app store download is required.

How can I recover my password if I forget it?

Upon signup, you receive a unique recovery phrase. This one-time secret allows you to reset your password without server involvement. It's crucial to store this phrase securely, as Trackm cannot access your data or provide a 'forgot password' email.

How does Trackm's pricing compare to other budgeting tools like YNAB?

Trackm offers a simple, honest pricing model: a one-time payment of $35 for lifetime access. This contrasts with subscription-based models like YNAB, which costs $109 annually, making Trackm significantly more cost-effective over time.

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