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 with a category from its merchant, your past choices, and your rules. 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 from merchant codes, your past choices, and your rules
- Decided a merchant before? Tracklio suggests the same call
- Split a mixed purchase across both
Drag the card, or use the buttons
Build a floor, not a budget.
A Fund is money set aside for a specific kind of bad day — rent, health, the car. We measure it in months of Fund Coverage, not just a balance. Every survival win lifts the floor. Every lifestyle splurge has a visible cost.
- Each fund shows its coverage in months
- You choose how new income is split across funds
- No scores. 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
- Name an amount to save and see how many months it takes
- Save scenarios to revisit
Monte-Carlo projection over your last 6 months of spend. Saves a scenario you can revisit.
You decide Survival. We file the rest.
Categories, rules, and tags do the filing — so the only call you actually have to make stays the only one.
Your own labels — weekend, kids, work trips — cut across categories. Tie a tag to a merchant and its new transactions get it too.
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.
Transactions land in categories by merchant code and by how you filed that merchant before. Edit any category.
Match on merchant, amount, account, day. Set category, tags, or necessity.
Labels like #weekend or #work-trip that cut across categories. Tie one to a merchant and its new transactions get it.
Connect Monobank in minutes. Read-only, and your access token is stored encrypted. More banks coming.
Subscriptions and regular bills surface on their own, with what each costs you a year.
Drag a knob, see the next year. Monte-Carlo projections, not vibes.
Money set aside for specific bad days, measured in months of Fund Coverage.
No streaks. No shame. One daily review reminder at a time you pick — or none at all.
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: 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 is open while we're in beta. Before paid plans start, we'll tell you what changes and when.
When the beta ends, a free plan stays, with limits. Pro keeps what the beta gives you today: bank sync, full history, the Simulator, unlimited Funds, and export.
Everything around the product.
Try the method before you commit, learn the thinking behind it, and see how it stacks up — all without an account.
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.
Drop your email and we'll send your invite when a spot opens.