Safe to spend
One number for today: your checking balance after rent, bills and card payments are set aside. It moves as you spend.
Private beta
Know what’s safe to spend until payday.
TRACKR reads your bank, sets aside rent, bills and card payments, and shows what’s left — every day until you’re paid.
Two minutes · no card needed
- Read-only bank connection
- Your bank key is encrypted
- Only you see your money
- Delete everything, any time
What it does
Your money, worked out before you spend it.
A debt plan
Minimum, normal or aggressive — side by side, each with its monthly payment and the month you’re clear.
Categories
Budgets for groceries, eating out and the rest, filled from your bank. Anything filed wrong moves with one tap.
AI suggestions
Coming in the betaAI turns your numbers into next steps.
- Which debt to pay first
- Where your budget is slipping
- What to change this month
The math is always computed, never guessed.
How it works
Set up in three steps.
- 01
Connect your bank
Read-only, through SimpleFIN Bridge. Your bank password never reaches us, and nothing can move your money.
- 02
See what’s safe to spend
Bills due before payday, card payments and your debt plan come off first. What’s left is yours to spend.
- 03
Pay debt faster
Pick how hard to push. TRACKR holds the payments back from your number and shows when you’ll be done.
Privacy, in plain words
Your money is yours. So is your data.
What we store
Your accounts, balances and transactions, read from your bank. The budgets, goals and payday you set. Never your bank password.
Who can see it
You. The one person running the beta sees how often people use the app — never a balance, a purchase or a bill.
Delete any time
Account › Delete my account removes all of it, including the encrypted key to your bank. No email, no waiting.
Questions
Before you join.
What does “safe to spend” mean?
Your checking balance, minus the bills still due before payday, the card payments you’ve planned, and anything you’ve set aside. If you spend it, nothing that’s due goes unpaid.
Is it free?
TRACKR is free during the beta. Connecting your bank goes through SimpleFIN Bridge, which charges $1.50 a month or $15 a year — paid to them, not us.
Which banks work?
Most US banks and cards that SimpleFIN Bridge supports. If yours isn’t there, an option that reads your bank’s email alerts is coming.
Can TRACKR move my money?
No. The connection is read-only: it sees balances and transactions, and it can’t pay, transfer or change anything at your bank.
Who can see my data?
Only you. The person running the beta sees usage — how often people sign in, which pages they open — and any feedback you choose to send. Never your balances or transactions.
Is this financial advice?
No. TRACKR does the arithmetic and shows its working. The decisions stay yours.
How do I get in?
Join the waitlist — it’s a short survey too. Invites go out in small groups, by email.
Stop guessing what you can spend.
Invites go out in small groups.