Your finances,
yours alone.
Pay once. Budget forever. Your data stays yours.
Pocket-based budgeting with zero-access encryption — no subscriptions, no data sharing, no operator access.
trackm.net/web/pocket/checking
From Jan 2026 To Mar 2026
Checking Edit
| Type | Description | Amount |
|---|---|---|
| Jan 3 | ||
| income ↻ | Salary | +$3,500 |
| net movement | +$3,500 | |
| Jan 10 | ||
| expense ↻ | Rent | −$1,800 |
| expense | Groceries | −$200 |
| net movement | −$2,000 | |
Up and running in minutes.
1
Create your pockets
Name them after real accounts or spending categories — whatever matches your life.
2
Log transactions
Add income, expenses, and transfers. Set recurring rules once and forget.
3
See your net worth — and what's coming
Every balance updates instantly. Trackm also forecasts which pockets will go negative and on which day — so you can act before it happens.
Know what's coming.
Trackm projects your recurring rules 90 days ahead and tells you exactly which day a pocket will go negative — so you can act before it happens.
Net Worth page
2 pockets going negative within 90 days
Checking Apr 10, 2026 · 26d −$240.00
Groceries Apr 22, 2026 · 38d −$50.00
Built for privacy.
Your password derives a key that never leaves your device. We store only ciphertext — even we can't read your budget.
🔐 Per-user encryption Each account has its own randomly generated data key, wrapped with your password. No shared keys, no shared risk.
🗄️ Isolated databases Your budget data lives in its own encrypted database. Queries never touch another user's data — by design, not by policy.
📵 Zero-access encryption Data keys are derived from your password and never transmitted. The server operator sees only encrypted bytes — nothing more.
Everything you need
A focused tool that does budgeting well — fast, and always under your control.
👛
Pocket / envelope budgeting
Allocate money into named pockets. Each tracks its own running balance from real transactions.
📈
Net worth & timeline views
See every pocket's balance over any date range, or zoom out to your total net worth.
🔁
Recurring operations
Recurring income, expenses, and transfers projected automatically so your balance is always realistic.
📊
Category breakdowns
Tag expenses with categories, then view pie-chart reports to see exactly where money goes.
📉
Deficit forecast
Trackm projects your recurring rules 90 days ahead and tells you exactly which day a pocket will go negative — with a direct link to that day in the timeline.
Simple, honest pricing.
No monthly fees. No hidden charges. Pay once and it's yours forever.
| YNAB | Trackm | |
|---|---|---|
| 1 year | $109 | $35 |
| 5 years | $545 | $35 |
| 10 years | $1,090 | $35 |
Trackm is a one-time payment. The price never changes.
$35
one-time payment · lifetime access
- 30-day free trial — no credit card required
- Unlimited pockets, expenses, and income
- Recurring rules projected years ahead
- 90-day deficit forecast with day-level alerts
- All future features included
- Your data stays yours, always
Common questions
- What happens when the 30-day trial ends?
- Your data stays safe and fully readable. You can continue viewing your history — adding new transactions requires the one-time $35 upgrade.
- Is there a mobile app?
- Trackm is a progressive web app (PWA) you can install directly from your browser on iOS and Android — no app store required.
- What if I forget my password?
- At signup you receive a recovery phrase — a one-time secret that lets you reset your password without any server involvement. Store it somewhere safe (a password manager works well). This is the only way to recover access because we genuinely cannot see your data — there is no "forgot password" email because your key lives with you, not us.