Personal Finance Tracker

Personal Finance Tracker is a free web app for managing your money in one place: log income and expenses, set per-category monthly budgets, and track savings or debt-payoff goals with milestones. Recurring transactions generate themselves on a daily, weekly, monthly, or yearly schedule, so fixed bills and salaries don't need re-entering, and CSV import/export means your data is never locked in.

What sets it apart from a plain expense tracker is the analytics layer. A monthly Financial Health Score grades you across four pillars - budget adherence, income-to-expense ratio, spending stability, and savings consistency - so you get one honest number instead of a wall of charts. Category benchmarks compare this month's spending against your own six-month averages (not some generic "average household"), and the cash-flow forecast projects where your balance is headed based on recurring activity. Multi-currency support, dark mode, and a full English/Albanian interface round it out.

Your data stays yours: every account is isolated at the database level (Postgres row-level security), there are no ads, and nothing is sold. Start free with no credit card; Premium unlocks unlimited transactions, net-worth tracking, transaction splits, and the detailed health-score and benchmark breakdowns.

Key features

• Income & expense tracking with categories, tags, and multi-currency

• Per-category monthly budgets with real-time progress

• Savings, debt, investment, and purchase goals with milestones

• Recurring transactions (auto-generated) + transaction splits

• Monthly Financial Health Score across 4 pillars

• Category benchmarks vs. your own 6-month history

• Cash-flow forecasting and net-worth tracking

• CSV import/export with duplicate detection

• Email/password & Google sign-in, dark mode, English + Albanian