FAST
Effortless expense tracking you can keep up with every day.
Simple Money Tracker reduces the usual friction of manual tracking. Add expenses naturally, move quickly, and keep the habit going without slow forms or rigid workflows.
- Natural Telegram input
- Less friction between spending and logging
- Built for everyday consistency
- No slow forms
SECURE
Privacy-first protection for your financial records.
Your data stays protected by Zero-Knowledge encryption. The product is designed around privacy from the start, without relying on bank linking or weak generic trust assumptions.
- True Zero-Knowledge encryption
- Protected records
- Privacy-first architecture
- No bank linking
Core Features
FAST Expense Tracking
Log expenses your way — Telegram bot for instant input, AI Natural Language on the web header bar, or traditional manual forms. Type "Coffee 50k & lunch 120k yesterday" and our AI parses, categorizes, and saves everything in under 5 seconds. No rigid forms, no app-switching, no friction.
SECURE with Multiple Layers Of Protection
Four layers of protection working together: your password for account access, Two-Factor Authentication (2FA) with OTP for login verification, Zero-Knowledge encryption with a master key derived via PBKDF2 so only you can read your data, and Google reCAPTCHA Enterprise to block automated abuse. Not even our servers can see your records in plain text.
Basic Features
SMART and Simple Dashboard
Get an instant, clear overview of your entire financial situation. Simple Money Tracker`s dashboard provides a unified view of your budgets, expenses, and asset growth in one glance, allowing you to stay informed without digging through complex menus.
SMART AI-Driven Categories & Custom Rules
Supercharge your tracking with intelligent, self-sorting categories. Define personalized, advanced rule triggers (e.g., matching keywords, prefixes, or exact terms) that command our high-fidelity AI engine. When you log expenses via Telegram or Web, the AI dynamically references your custom rules to categorize transactions perfectly with zero manual sorting.
EASY Budgeting
Set a single, total monthly budget to keep your financial life simple. Our budgeting tool helps you stick to your limits by providing real-time progress tracking and visual indicators of your remaining balance for the month.
Add-on Features
Personal Finance Management
Clear Debt Management
Keep a clear, organized list of what you owe. Manage your liabilities with ease, get automated reminders for upcoming due dates, and track your repayment progress without the noise of complex banking features.
Track Your Lending
Easily manage money you've lent to family or friends. Simple Money Tracker helps you keep track of debtors, loan amounts, and expected repayment dates so you never lose sight of your personal receivables.
Set & Achieve Goals
Define your long-term financial goals, from vacation funds to property down payments. Visually track your progress with contribution logs and status updates that keep you motivated until you reach your target.
Manage Subscriptions
Keep an eye on all your recurring payments, from streaming services to software. Identify unused subscriptions, track payment history, and avoid surprise charges with our dedicated subscription manager.
Investment Tracking
Monitor the performance of your stocks, crypto, and other investments. See how your portfolio grows over time with clear visual breakdowns and historical tracking for every asset in your collection.
Connectivity & Collaboration
Groups & Collaboration
Share finances in groups and collaborate with your family or partners. Our group feature allows you to manage shared goals, track joint budgets, and control exactly what data you share with other members.
Simple Message
Communicate securely with other users through our private, end-to-end encrypted messaging system. Discuss financial goals or shared expenses without leaving the privacy of your financial companion.
Contact Management
Keep track of your financial network. Organize borrowers, lenders, and advisors in a central contact list that integrates directly with your debt, lending, and messaging activities.
Support Tools
AI-Powered Financial Insights
Leverage the power of Gemini AI to gain deep insights into your spending. Our AI coach analyzes your financial trends to provide personalized, actionable advice that helps you save more and spend smarter.
Instant Currency Converter
Handle international transactions with ease. Our built-in currency converter provides real-time exchange rates for global currencies, making it perfect for travelers and international investors.
AI-Powered Note-Taking
Jot down financial thoughts and use AI to automatically format them into structured notes. Our secure note system supports Markdown and helps you organize your financial brainstorming sessions.
Linked Cloud Storage
Keep your financial documents organized. Link your receipts, invoices, and contracts directly to your transactions so you can find them instantly whenever you need proof of purchase.
Secure File Storage
Store up to 1GB of sensitive financial documents directly in our secure, encrypted storage. Manage your files with a beautiful gallery view and advanced lightbox for image inspection.
Personalization
Personalized Themes
Make Simple Money Tracker your own. Choose from multiple professionally designed color themes and custom backgrounds to create a financial workspace that inspires and calms you.
Stats
Track your personal milestones and engagement with built-in statistics. View your login streaks and earn badges that celebrate your commitment to financial wellness.
Weather
Stay informed with real-time weather updates directly in your dashboard. Monitor conditions for multiple cities to plan your day and travel expenses accordingly.
Start tracking today.
Try the product built around two priorities: speed you can use daily, and privacy you can actually trust.
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