Financial clarity.
Engineered for real life,
not data brokers.
Keep accounts, spending, budgets, and household bills in one place. Record transactions yourself, track transfers separately, and see where your money goes.
Liquid Net Worth
$3,050.00
+59% saved rateScheduled Inflow
+$5,200.00
Cleared on 1st
Safe Outflow
−$2,150.00
All recurring covered
$5,200.00
Operating$3,050.00
4.85% APY$240.00
Auto-clearedLedger Stream
Example transactionsDirect Payroll Deposit
Employer Wire · Main Checking
Apartment Lease & Building Fee
Fixed Housing · Auto-debited
Weekly Organic Market
Groceries Envelope · Rewards Card
Search
Find activity
Filter transactions by account, category, and date.
Manual
Bank entry
Add transactions without connecting your bank account.
.xlsx
Data export
Download transactions, accounts, and categories in a workbook.
Shared
Workspaces
Track accounts and manage household spending together.
Everything in its place. Nothing counted twice.
Move money between accounts without counting it as spending. Keep household splits alongside your everyday activity.
Accounts that always add up without double-counting
Checking accounts, high-yield savings vaults, everyday rewards cards, and physical cash. Internal transfers move money between accounts with separate transfer records, so they do not inflate expense charts.
Internal Vault Transfer: Checking → High-Yield Savings
Capital allocation · 0% artificial expense inflation
$2,184.00
Operating liquidity
$3,050.00
+4.85% APY compounding
$240.00
Cleared automatically
Subscriptions without surprises
Keep memberships, recurring cloud bills, and annual charges forecasted. Automated calendar posting prevents missed dues.
Fair splits, zero friction
Invite household members or travel companions. Record joint grocery runs or dining tabs and settle who owes whom in a single tap.
Paced envelope budgeting for the real world
Set monthly limits on groceries, dining out, and leisure. Our velocity gauge tells you if you are spending faster than the calendar pace, giving you room to adjust before month-end surprises.
Built to solve the spreadsheet paradox
Spreadsheets corrupt on phones. Mainstream bank apps break connections and sell your data. Here is how Expense Tracker re-establishes sanity.
Fragile Aggregators & Excel
The status quo that burns you out
- Bank connections can fail and leave gaps in your records
- Some apps place financial product offers beside your spending
- Transfers may be confused with spending when records are not separated
- Clunky spreadsheet formulas break when adding a row on a phone
- Sharing a spreadsheet across a household takes coordination
Expense Tracker Ledger
Accounts, activity, and planning together
- Manually recorded activity stays in your workspace
- No bank login or account aggregation required
- Transfers tracked separately from income and expenses
- Add transactions from your phone or desktop
- Export transactions, accounts, and categories to Excel (.xlsx)
Your records, in one accessible place.
You can track your finances without sharing banking passwords. Your workspace requires an account, and you can download your transactions, accounts, and categories as an Excel workbook.
Account sign-in
Passwords are hashed, and sign-in uses HTTP-only session cookies.
No bank password needed
Record your activity without connecting a bank account.
Excel (.xlsx) export
Download a workbook with transactions, accounts, and categories.
Your data export
Transactions · Accounts · Categories
Download transactions, accounts, and categories in separate sheets.
Take back your financial agency.
Set up an account, add your transactions, and invite household members when you are ready to share a workspace.
No credit card required · Free personal workspace included