TRACKR · Private beta

The free budgeting app.

Know your spending. Pay off debt.

3 months free · no card asked

Financial control at your fingertips

A money tracker that tells you what’s safe to spend.

Pricing

Three ways in. Start free.

Every member gets 3 months free from joining, with no card. When it ends, nothing is charged: you move to Free unless you pick a plan.

Free · Email alerts

Free forever

Forward your bank’s alert emails with one mail filter. Each purchase lands as it happens.

  • Works with Chase, Capital One, and Discover today
  • Purchases as they happen
  • Nobody touches your bank login
Setting it up in Gmail

Premium · Instant connect

Everything automatic

From $2.09/mo for one bank.Each bank adds $0.73–$0.94.See the full table →

3 months free in beta

Sign in to your bank on Plaid’s screen. Balances, purchases, card rates and minimums arrive on their own.

  • Open now: Chase, Bank of America, Capital One, Amex, Citi, PNC, U.S. Bank, Navy Federal, PayPal
  • Other banks: coming soon
  • Read-only

SimpleFIN

Your own connection

Free on TRACKR. $1.50/mo or $15/yr paid to SimpleFIN directly. SimpleFIN’s charge starts right away.

You own the connection; it updates about once a day.

  • Connect your banks at SimpleFIN Bridge, paste one token here
  • Check it lists your bank first
  • Read-only

How Premium is priced

Your banks at cost, plus $1.00.

  • Each bank: what Plaid charges us, $0.70 a month, or $0.90 with a card or loan.
  • Admin: $1.00 a month, to run TRACKR.
  • Payment processing is inside the price, never added on top: Stripe keeps 4.1% + $0.30 of each payment, and the price leaves us exactly the costs above.

price = (banks + $1.00 + $0.30) ÷ (1 − 4.1%)

BanksWith cards or loansWithout
1$2.30/mo$2.09/mo
2$3.24/mo$2.82/mo
3$4.18/mo$3.55/mo

One charge a month, before tax. 3 months free in beta.

You can use more than one.

Prices before tax. The full terms →

How your money is kept

Yours, and only yours.

Read-only

No connection can move, pay or transfer money.

Never your bank password

You sign in at SimpleFIN Bridge or on Plaid’s screen. We never see it.

The admin never sees your money

The person running the beta sees usage. Never a balance, a purchase or a bill.

Delete it any time

Account › Delete my account removes it all at once. Backups clear within 30 days.

Read the privacy policy →

Questions

Before you start.

What does “safe to spend” mean?

Your checking balance, minus the bills still due before payday, your planned card payments and anything set aside. Spend it, and nothing that’s due goes unpaid.

Which banks work?

Email alerts: Chase, Capital One, and Discover today. SimpleFIN: the banks SimpleFIN Bridge lists. Instant connect: Chase, Bank of America, Capital One, Amex, Citi, PNC, U.S. Bank, Navy Federal, PayPal and other banks on Plaid’s own sign-in screen; more banks are coming.

What does it cost?

Every member gets 3 months free from the day they join, and no card is asked for. After that: Free, with email alerts and SimpleFIN (SimpleFIN charges for its own part), or Premium: what your banks cost us plus a $1.00 admin fee, one charge a month ($2.30 for one bank, $3.24 for two). The trial’s end never charges you.

Can TRACKR move my money?

No. Every connection is read-only: it sees balances and transactions, and it can’t pay, transfer or change anything at your bank.

Is this financial advice?

No. TRACKR does the arithmetic and shows its working. The decisions stay yours.

How do I get in?

Join the Beta: a two-minute survey. Invites go out in small groups, by email.

See what’s safe to spend.

Join the Beta