Site Directory & Architecture
Explore every public page, zero-knowledge privacy documentation, free in-browser utilities, and in-depth engineering logs on Simple Money Tracker.
Machine-Readable XML Sitemap
Automated index for web crawlers, search bots, and RSS parsers at /sitemap.xml
Product & Features7
Explore our core financial management platform, features, and pricing.
Home
Privacy-first personal finance platform with client-side zero-knowledge encryption.
Feature Gallery
Interactive showcase of tracking, budgets, charts, and smart workflows.
Pricing & Plans
Transparent Free & Pro lifetime or subscription tiers with zero lock-in.
Life Journal
Reflect on financial decisions, mood tracking, and mindful money habits.
Birthday Gift Program
Annual birthday celebration perks and gifts for our community.
Community Gifts
Surprise rewards, promo codes, and special supporter recognition.
Telegram Integration
Log daily expenses effortlessly via natural language with our bot.
Security & Cryptography7
Deep dives into our zero-knowledge end-to-end encryption specs and proofs.
Security Overview
Comprehensive overview of zero-knowledge and client-side encryption.
Personal Data Vault
Client-side AES-GCM data protection with zero server decryption.
1-on-1 Encrypted Messaging
Private peer-to-peer messaging using ECDH P-256 key exchange.
Group Sharing Security
Multi-party encrypted collaboration without exposing master keys.
Telegram Bridge
End-to-end cryptographic bridge connecting Telegram with your vault.
Encrypted File Storage
Client-side encrypted attachment, receipt, and document vault.
Security Playground
Interactive cryptography sandbox to test and verify ciphers live.
Free Utilities Suite8
100% in-browser, privacy-first financial, productivity, and focus tools.
All Free Tools
Curated suite of free, independent in-browser utilities without sign-up.
Debt Payoff Calculator
Simulate payoff strategies, interest savings, and debt-free dates.
Snowball vs. Avalanche
Compare mathematical efficiency vs psychological debt payoff momentum.
Saving Challenge Builder
Design personalized savings ladders and visual milestone trackers.
Money Moments Quiz
Discover your subconscious emotional relationship with spending.
Focus & Pomodoro Timer
Distraction-free Pomodoro session timer designed for deep work.
Text & File Encryption
Encrypt and decrypt confidential notes and files using Web Crypto.
Chill Station
Ambient soundscapes and generative lofi audio for calm focus.
Resources & Community5
Documentation, public build logs, company story, and support channels.
Help & FAQs
Knowledge base, step-by-step tutorials, and common questions.
Engineering Blog
Deep technical articles, architecture decisions, and finance psychology.
Public Build Log
Chronological timeline of all releases, updates, and improvements.
About Us
The philosophy, story, and mission behind Simple Money Tracker.
Customer Support
Community assistance, feedback channels, and direct inquiry support.
Legal & Policies6
Terms of service, privacy disclosures, acceptable use, and license notices.
Terms of Use
User rights, acceptable guidelines, and terms of service agreement.
Privacy Policy
Our strict zero-knowledge pledge and absolute data privacy policy.
Cookie Policy
Information regarding local browser storage and cookie practices.
Software License
Software license terms, open-source acknowledgments, and rights.
Acceptable Use Policy
Guidelines for responsible, secure, and lawful use of our platform.
DMCA Policy
Notice and procedure for copyright infringement claims.
Engineering & Finance Blog39
Architecture deep dives, zero-knowledge design decisions, and personal finance psychology.
Finance and Health Are Not a Trade-Off: Protect the System That Supports Both
Money helps you access care. Health helps you earn and live well. Explore the evidence, the real limits of overtime, and a practical plan for protecting both when time and income are tight.
Financial FOMO: How Social Comparison Pulls Young Adults into Consumer Debt—and How to Rebuild Your Own System
Social media comparison is turning lifestyle pressure into real consumer debt for Vietnamese Gen Z. Learn why the cycle takes hold, what the evidence actually shows, and a calmer mindset plus four practical steps to regain control.
The Great Tech Reset: Layoffs, Capital Reallocation, and the Human Cost of AI in 2026
Over 155,000 U.S. tech jobs have been eliminated in 2026. This is no longer the pandemic hangover of 2023—it is an unprecedented capital reallocation. As Big Tech pours hundreds of billions into AI data centers, operational headcount is footing the bill.
Saving vs. Earning More: The False Choice That Keeps People Stuck
Saving more and earning more solve different parts of the same cash-flow problem. Use a practical sequence to build resilience, prevent lifestyle creep, and invest in earning power without turning money management into deprivation.
Why We Buy on Emotion—and How Online Shopping Speeds It Up
Explore the psychology of emotional spending, retail therapy, deals, and easy checkout—with research evidence, examples, and practical ways to pause before buying.
Viral Money-Saving Challenges: What Works, What Can Backfire
Cash stuffing, 100 envelopes, no-spend weeks, and six other saving methods: understand the rules, check the real totals, and choose a habit your cash flow can support.
The $60 Billion Lesson for Vibe Coders: Building When AI Makes Code Cheap
AI can turn an idea into a demo in days. That does not turn it into a business. Here is a practical filter for finding customer problems, distribution, and durable value before you spend your runway.
What Should You Study in the Age of AI?
In the AI era, the smartest path is not to chase trendy majors blindly. Learn what is hard to automate: AI literacy, critical thinking, domain expertise, and human-centered skills.
Looking for a specific developer or security reference?
Need our complete cryptographic protocols, test vectors, or offline audit reports? Check out the Security Overview or test cryptographic primitives interactively in the Security Playground.
