Honest comparisons — including where we're not the fit.
You decide whether each expense was Survival or Lifestyle. One ratio instead of forty categories.
We read balances and transactions so you can review them. We can never move a cent.
Categories are filed from the card's merchant code, your earlier choices and your rules. You fix the odd one.
Tracklio vs…
Infinitely flexible, quietly exhausting. Great for one-off models — a slog for monthly tracking.
YNAB assigns every dollar a job. Tracklio shows how much was Survival vs Lifestyle after the fact.
Mint aggregated categories. In Tracklio you decide whether each expense was Survival or Lifestyle.
Rocket Money finds savings. Tracklio shows where spending actually lands.
Import a CSV, keep your history, and let categories file themselves from merchant codes and your rules. The Survival or Lifestyle call stays yours.
The fastest comparison is your own data.
Run a sample month through Tracklio in thirty seconds — no signup — and decide if the split clicks for you.