Money Tracker: Budget & Bills

Money Tracker is a personal finance app that keeps your data on your phone. Track spending, budgets, bills, and net worth in one place, and link your banks only if you want to. Your transactions live in an encrypted database on your device. We don't store them on our servers, so there is nothing for us to sell and nothing to lose if a server goes away. If you turn on optional bank sync, bank data is retrieved through Plaid and passed through our servers to your device without being stored there. If you have been burned by a budgeting app that shut down or started mining your data, this one was built for you. It works whether you check in every morning or once a month. Link every account for one real net worth number, or add transactions by hand with Siri, the camera, or a quick template. Either way, a 30 second review keeps everything sorted, and the app learns your categories as you go. Start free with manual accounts, transactions, budgets, reports, and CSV import. Upgrade only when you want automatic bank connections and updates. KEY FEATURES • Private by design: Your data is encrypted on your phone and is never stored on our servers. • Optional paid bank sync: Connect supported banks in the US and Canada with Sync or Pro, or track accounts manually for free. • Auto categorization: Swipe once and Money Tracker remembers. It gets smarter with every transaction you review. • Subscription tracking: Recurring charges get flagged automatically, including the ones you forgot about. • Budgets and reports: Set spending targets by category and get a heads up before you overshoot. • Cash flow forecast: See your projected balance ahead of payday, with upcoming bills and planned payments already counted. • Net worth: Every account, card, and loan on one screen. • Savings goals: Set a target, link accounts, and watch your progress. • Quick entry: Log an expense with Siri, snap a receipt, or import a CSV from your old app. • Multi currency: Track accounts in more than one currency. • Reminders: A nudge before a bill hits, a warning before a budget runs out, and a note when new transactions are ready for review. • Plans: Free manual tracking, Sync with up to 4 bank connections, or Pro with up to 8. One bank connection can include multiple checking, savings, or credit accounts. If bank-sync access ends, automatic updates pause. Your locally saved accounts and transaction history remain available. Privacy Policy: trackmoney.ai/privacy-policy Terms of Use: trackmoney.ai/terms-and-conditions Support: macaroni-studios.com/contact