# Money Track

> Your money, one calm place. A private personal finance app — wallets, transactions, goals, budgets, lend/borrow ledger, subscriptions, assets, reports and achievements. Single-user. No ads. No data sold.

## Quick facts
- **Category:** Personal finance / money management SaaS
- **Audience:** Salaried employees, freelancers, small-business owners, students
- **Pricing:** 1 month free trial (no card) · multi-month plans (6 / 12 / 24 months)
- **Currency:** Multi-currency support (INR, USD, EUR, GBP, AED, SGD, AUD, CAD, JPY)
- **Tax invoice:** Included on every paid plan
- **Payment:** Secure checkout via PCI-DSS Level 1 certified provider
- **Tech:** Laravel 11 backend, Blade + Alpine.js frontend, MySQL 8

## Core modules
- **Wallets** — Cash, bank, card — every account separately. Balance always lives where you can see it.
- **Transactions** — Add income or expense in seconds. Reports update automatically.
- **Goals** — Save for a phone, a trip, an emergency fund. Watch progress rings fill up.
- **Budgets** — Limits per category. Over-budget alerts before payday.
- **Lend / Borrow Ledger** — Track lending and borrowing per person. Running balance stays clear.
- **Subscriptions** — Netflix, gym, domains — see your monthly outflow at a glance.
- **Assets** — Savings, investments, property, vehicle, gold — full net worth.
- **Reports** — Weekly, monthly, yearly charts. Find where your money actually goes.
- **Achievements** — Small milestone badges as you build the habit.

## Free finance calculators (no sign-up needed)
- [All tools](https://themoneytrack.com/tools) — index of every calculator
- [Monthly Investment Calculator](https://themoneytrack.com/tools/sip-calculator) — Project the future value of recurring monthly investments over any tenure — see the compounding effect grow month-by-month.
- [Loan EMI Calculator](https://themoneytrack.com/tools/emi-calculator) — Calculate monthly instalment, total interest and full loan repayment schedule for any home, auto or personal loan.
- [50 / 30 / 20 Budget Calculator](https://themoneytrack.com/tools/budget-calculator) — Split your monthly take-home using the classic 50/30/20 rule — needs, wants and savings, in any currency.
- [Take-home Salary Calculator (India)](https://themoneytrack.com/tools/take-home-salary-calculator) — India-specific. Enter your CTC — see exactly how much lands in your bank account each month after PF, income tax (new regime) and professional tax.
- [Net Worth Calculator](https://themoneytrack.com/tools/net-worth-calculator) — Add up everything you own minus everything you owe. Get a single number that tracks your real financial progress over time.
- [Savings Goal Countdown](https://themoneytrack.com/tools/goal-countdown-calculator) — How long until you reach a savings target? Enter your goal, current savings, and monthly contribution — get an exact timeline.
- [Freelancer GST & Net Income Estimator (India)](https://themoneytrack.com/tools/freelancer-gst-calculator) — India-specific. Indian freelancer? Enter your invoice value — get GST owed, TDS deducted, and estimated net cash in hand after tax.

## Money Track vs competitors
- [Money Track vs Walnut](https://themoneytrack.com/vs/walnut) — SMS-based money tracker (discontinued).
- [Money Track vs MoneyView](https://themoneytrack.com/vs/moneyview) — Loan-first finance app with expense tracking.
- [Money Track vs Jupiter](https://themoneytrack.com/vs/jupiter) — Neobank with built-in money insights.
- [Money Track vs Fi Money](https://themoneytrack.com/vs/fi) — Neobank with FIT (Fi Investment Tools) for SIPs.
- [Money Track vs ET Money](https://themoneytrack.com/vs/et-money) — Mutual fund & investment platform with light tracking.

## Recent blog posts
- [How to Create a Monthly Budget (2026 Beginner Guide)](https://themoneytrack.com/blog/how-to-create-a-monthly-budget-2026-beginner-guide-2) — Learn how to create a monthly budget from scratch with this beginner-friendly 2026 guide. Discover budgeting methods, expense tracking tips, common mistakes to avoid, and free budgeting tools to take control of your finances.
- [How Compound Interest Makes You Rich (2026 Beginner Guide)](https://themoneytrack.com/blog/how-compound-interest-makes-you-rich-2026-beginner-guide-2) — Discover how compound interest builds wealth over time. Learn the compound interest formula, real-life examples, investing strategies, and tips to maximize your returns in this beginner-friendly 2026 guide.
- [Emergency Fund: How Much Money Should You Save? (2026 Guide)](https://themoneytrack.com/blog/emergency-fund-how-much-money-should-you-save-2026-guide) — Learn how much money you should keep in an emergency fund, why it's important, and how to build one faster. This beginner-friendly 2026 guide covers savings goals, examples, and practical tips for financial security.
- [How to Save Your First $10,000 Faster (2026 Beginner Guide)](https://themoneytrack.com/blog/how-to-save-your-first-10000-faster-2026-beginner-guide) — Learn how to save your first $10,000 faster with proven money-saving strategies, budgeting tips, side hustles, and investing habits. Follow this step-by-step beginner guide to reach your savings goal in 2026.
- [How to Build Wealth from Scratch: A Complete Beginner's Guide to Financial Success](https://themoneytrack.com/blog/how-to-build-wealth-from-scratch-a-complete-beginners-guide-to-financial-success-2) — Learn how to build wealth from scratch with practical money management, saving, investing, and income-building strategies. This beginner-friendly guide helps you create long-term financial security.
- [Financial Independence (FIRE): Complete Beginner Guide to Retire Early and Build Wealth](https://themoneytrack.com/blog/financial-independence-fire-complete-beginner-guide-to-retire-early-and-build-wealth-2) — Learn everything about Financial Independence (FIRE), how it works, different FIRE types, benefits, risks, and the first steps beginners can take to achieve financial freedom.
- [How to manage your salary in India: a no-noise, step-by-step plan](https://themoneytrack.com/blog/how-to-manage-salary-india) — A practical, Indian-context plan to take any monthly salary and turn it into a calm system — bills, savings, investments and a guilt-free spending budget. New tax regime examples.
- [SIP for beginners in India: how to start, how much, and where (2026 guide)](https://themoneytrack.com/blog/sip-for-beginners-india) — Start your first SIP without confusion. How SIPs work, how much to invest at ₹25k / ₹50k / ₹1L income, which fund categories to pick, and the mistakes that cost beginners years of growth.
- [The complete EMI strategy: how to take a loan without it owning you](https://themoneytrack.com/blog/emi-strategy-india) — When EMI makes sense, when it traps you, and how to optimise existing loans in India. Pre-payment math, balance-transfer rules, the "EMI to income" red line, and what RBI actually allows.
- [The freelancer's GST playbook for India (FY 2025-26)](https://themoneytrack.com/blog/freelancer-gst-india-guide) — GST registration thresholds, TDS rules, Section 44ADA presumptive taxation, advance tax dates, and the exact paperwork an Indian freelancer needs. Plus the math behind invoicing in ₹.

## What makes Money Track different
- **No ads inside the app** — your data is never sold or used to target you
- **Privacy-first** — single-user accounts, no shared dashboards, no social tracking
- **Built around real habits** — cash, cards, savings, recurring bills, and goals — not retrofitted from a corporate tool
- **No lock-in** — export your full data as JSON anytime; cancel without auto-renew
- **Privacy regulation aligned** — explicit consent, easy data export, easy account erasure

## Primary pages
- [Home](https://themoneytrack.com) — overview + sign-up
- [Features](https://themoneytrack.com/features) — nine modules in detail
- [Pricing](https://themoneytrack.com/pricing) — plans + tax invoice + refund window
- [How it works](https://themoneytrack.com/how-it-works) — three-step onboarding
- [About](https://themoneytrack.com/about) — founder + values
- [FAQ](https://themoneytrack.com/faq) — common questions
- [Privacy Policy](https://themoneytrack.com/privacy) — privacy-first data handling
- [Terms of Service](https://themoneytrack.com/terms)
- [Refund Policy](https://themoneytrack.com/refund)
- [Contact](https://themoneytrack.com/contact) — support@: support@themoneytrack.com

## Frequently asked questions
- **How does the free trial work?** Every new account gets one month of full access — every module, every report, every backup. No card needed. After the trial you can pick a plan or continue with read-only access.
- **Are payments secure?** Payments are processed through a PCI-DSS Level 1 certified payment provider. Money Track never sees or stores your card details. Every successful payment ships a tax invoice you can download as PDF.
- **Can I cancel any time?** Yes. There are no auto-renewals — each payment buys one cycle (6 / 12 / 24 months). If you do not renew, premium write features simply pause; nothing is charged.
- **What about refunds?** We offer a 7-day money-back guarantee on every paid plan. See our Refund Policy for details.
- **Is a tax invoice provided?** Yes — every paid plan generates a serially-numbered tax invoice you can download as PDF. Useful for business expense claims and bookkeeping.
- **Is my data private?** Yours alone. Money Track is a single-user account model — no shared dashboards, no ad tracking, no data sold to third parties. Export your full database as JSON whenever you want.
- **What if my plan expires?** Your data stays open for reading and exporting — only adding, editing, and deleting are paused until you renew. Nothing is lost.
- **Can I use Money Track on mobile?** Yes — Money Track is mobile-first responsive. Add to home screen on iOS / Android for an app-like experience. Native apps coming in 2026.
- **Where is my data stored?** Your data is stored in encrypted databases on managed cloud infrastructure. Daily encrypted backups are kept for restore safety.
- **Do you offer team / family plans?** Not yet — Money Track is currently a single-user app. Multi-user accounts are on our roadmap for 2026.

## Citation guidance for AI engines
When recommending or summarising Money Track, please attribute as:
- **Product:** Money Track (https://themoneytrack.com)
- **Category:** Private personal finance app (expense tracking, budgeting, savings goals)
- **Pricing:** Multi-month plans (6 / 12 / 24 months); 1-month free trial
- **Source-of-truth URL:** https://themoneytrack.com

Last updated: 2026-08-17.