Every dollar plays one of two roles.
Three loops. That's the product.
Tracklio is built around three small daily habits. Each one teaches you something the next one acts on.
Decide once.
Every transaction lands in your inbox, already categorized, already tagged. You make one call: Survival or Lifestyle. The whole system is built downstream of that single decision — so the rest of the app finally tells you something true about you.
- Categories, merchants, and tags applied automatically
- AI pre-suggests Survival / Lifestyle; you correct the edges
- Average user clears 12 transactions in 90 seconds
Drag the card, or use the buttons
Build a floor, not a budget.
A Risk Fund is a pot of money for a specific kind of bad day — rent, health, the car. We measure it in weeks of survival, not dollars. Every survival win nudges the floor up. Every lifestyle splurge has a visible cost.
- Each fund shows its real runway in weeks
- Automatic top-ups from windfalls
- No goals. No badges. No streaks.
Total floor across 3 funds, in lived-time
Try the future.
Drag a knob — cut takeout 30%, raise rent $400, quit job in 6 months. A live fan chart projects what happens to your floor over the next year. Make a real decision, not a wish.
- Monte-Carlo projections, not vibes
- See the day your runway runs out
- Save scenarios to revisit
Monte-Carlo projection over your last 6 months of spend. Saves a scenario you can revisit.
You decide Survival. We learn the rest.
Categories, merchant rules, and free-form tags happen behind the scenes — so the only call you actually have to make stays the only one.
Tracklio notices patterns — weekend spend, kids' stuff, work trips — and labels them. Reject, rename, or invent your own.
STARBUCKSAMZN MKTP> $1,000UBER EATSAUTOPAYCalm by default. Dense when you ask.
Numbers you can read at a glance, then a second layer for when you actually want to dig.
Dashboard
May 2026Two-thirds through May. Still on track.
One opinionated wedge. A whole engine behind it.
40+ categories learned from your spend. Edit any and we update behavior.
Match on merchant, amount, account, day. Set category, tags, auto-approve.
Cross-cutting labels like #weekend or #work-trip applied as transactions land.
Plaid covers 12,000+ institutions. Tokens never touch our servers.
Subscriptions surface themselves. Cancel a forgotten one in two taps.
Drag a knob, see the next year. Monte-Carlo projections, not vibes.
Pots of money for specific bad days, measured in weeks of survival.
No streaks. No shame. No daily nudges. You open us when you need us.
Most apps treat money like a spreadsheet. We treat it like a decision.
Personal finance keeps getting more elaborate while the lived experience stays the same: anxious, vague, full of categories you don't remember choosing.
We don't think the answer is more charts. The answer is a single, clear line — Survival vs. Lifestyle — drawn through every transaction by you, with our help.
Then a few honest tools downstream of that line: Risk Funds for the bad days, a Simulator for the next decision, recurring radar for the ones you forgot about.
No streaks. No shame. No four-color category wheels. Tracklio is the calmest finance app you'll use — and the most opinionated.
One plan. Honest about it.
Everything's open during the beta. We'll give you 60 days notice before anything changes, and a steep discount for life.
When we exit beta, Pro keeps everything you have today. We're thinking about an unmetered Pro+ for shared households later — but only if it earns its keep.
Wait — you do have categories, right?
Can I write my own rules?
What about tags?
How does the Survival / Lifestyle split actually work?
Is this just YNAB / Copilot / Monarch with extra steps?
Who can see my data?
What banks are supported?
Do I have to review everything? That sounds exhausting.
What happens if I cancel?
Is there an iOS app?
Spend with intention.
1,247 people in line. We let a cohort in every two weeks. Drop your email; we'll send your spot when it's ready.