Show HN: Trackm, a personal finance web app
Source: Hacker News
Your finances, yours alone.
Pocket‑based budgeting with end‑to‑end encryption. No subscriptions, no data sharing, no operator access — ever.
Up and running in minutes
Create your pockets
Name them after real accounts or spending categories — whatever matches your life.Log transactions
Add income, expenses, and transfers. Set recurring rules once and forget.See your net worth — and what’s coming
Every balance updates instantly. Trackm also forecasts which pockets will go negative and on which day — so you can act before it happens.
Know what’s coming
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.
Net Worth page – shows pockets projected to go negative within 90 days.
- Checking: Apr 10, 2026 (‑$240.00)
- Groceries: Apr 22, 2026 (‑$50.00)
Pocket page – detailed view per pocket (example screenshots omitted).
Built for privacy
Most finance apps make money by analysing your spending. Trackm cannot — your data is encrypted with a key only you hold.
- 🔐 Per‑user encryption – each account has its own randomly generated data key, wrapped with your password. No shared keys, no shared risk.
- 🗄️ Isolated databases – your budget data lives in its own encrypted database. Queries never touch another user’s data — by design, not by policy.
- 📵 Zero operator access – data keys are derived from your password. The server operator cannot decrypt your data without your password.
Everything you need
A focused tool that does budgeting well — fast, and always under your control.
- 👛 Pocket / envelope budgeting – allocate money into named pockets; each tracks its own running balance from real transactions.
- 📈 Net worth & timeline views – see every pocket’s balance over any date range, or zoom out to your total net worth.
- 🔁 Recurring operations – recurring income, expenses, and transfers are projected automatically so your balance is always realistic.
- 📊 Category breakdowns – tag expenses with categories, then view pie‑chart reports to see exactly where money goes.
- 📉 Deficit forecast – Trackm projects your recurring rules 90 days ahead and tells you exactly which day a pocket will go negative, with a direct link to that day in the timeline.
Simple, honest pricing
No monthly fees. No hidden charges. Pay once and it’s yours forever.
$35 – one‑time payment · lifetime access
- 30‑day free trial — no credit card required
- Unlimited pockets, expenses, and income
- Recurring rules projected years ahead
- 90‑day deficit forecast with day‑level alerts
- All future features included
- Your data stays yours, always
Common questions
What happens when the 30‑day trial ends?
Your data stays safe and fully readable. You can continue viewing your history — adding new transactions requires the one‑time $35 upgrade.
Is there a mobile app?
Trackm is a progressive web app (PWA) you can install directly from your browser on iOS and Android — no app store required.
What if I forget my password?
At signup you receive a 32‑character recovery secret. Store it safely — it’s the only way to recover access. We cannot reset it for you.