Trackm, a personal finance web app
I built this as a personal finance app that allows me to see how my recurring incomes and expenses will affect my network over the years. So trackm can show up to 4 years in the future and track when your accounts will go negative given you expenses and incomes. I've been dogfooding it for the past 10 days, fixing issues I find from my day-to-day use and now it's at a point where I'm comfortable sharing it with others. The app is free for 30 days, after which it goes into read-only mode. Paying the one-time license fee unlocks it forever.
Trackm, a personal finance web app launched on March 16, 2026 with 21 votes, #858 of 23,380 launches that month and more than 90% of that year's launches.
In plain words
Trackm is a personal finance web app that projects how recurring incomes and expenses will affect net worth up to four years into the future. It helps users identify when accounts might go negative based on their financial patterns. The app is free to try for 30 days, then switches to read-only mode unless users purchase a one-time license for ongoing access.
written from the facts on this page · September 2026
From the sources
Pay once. Budget forever. Your data stays yours. Pocket-based budgeting with zero-access encryption.
Pocket-based budgeting with zero-access encryption — no subscriptions, no data sharing, no operator access. Name them after real accounts or spending categories — whatever matches your life. Add income, expenses, and transfers. Set recurring rules once and forget. Every balance updates instantly. Trackm also forecasts which pockets will go negative and on which day — so you can act before it happens. 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. Your password derives a key that never leaves your device. We store only ciphertext — even we can't read your budget. A focused tool that does…from trackm.net
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Source: Show HN post ↗
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