Know where every dollar went
See your spending split by category every month. The small leaks, like takeout and forgotten subscriptions, become obvious.
The Money Tracker
See exactly where your money goes, without opening a single spreadsheet.
It's one file that opens in your browser. No sign up, no app store, no monthly fee. Add what you spend, and your dashboard, budgets and savings goals update themselves.
- One file, nothing to install
- Works offline
- No account, no bank login
- Pay once, keep it forever
Your data never leaves your device
Works wherever you manage your money
- Windows & Mac
- Chrome, Edge, Safari, Firefox
- Phone & tablet
- No internet needed
- 7 currencies
Take a look inside
This is what your money looks like when it's organized.
Real screens from The Money Tracker. Tap any image to see it full size.
Before and after
From "where did it all go?" to "I know exactly where it went."
Before
- The month ends and you're surprised by your balance
- Receipts, banking apps and notes scattered everywhere
- A budget spreadsheet you started once and abandoned
- Guessing whether you can afford something
- Paying every month for an app that wants your bank login
After
- You see what came in, what went out and what you kept
- Every expense in one place, sorted by category
- Budgets that warn you before you overspend
- Savings goals with a clear finish date
- Paid once, private, and on your own device
I’ve been using this myself to track my spending, and seeing everything in one place made it much easier to understand where my money was going.
YacineCreator
What you gain
Less guessing. More money left at the end of the month.
The tracker doesn't just store numbers. It answers the questions that actually matter to you.
Catch overspending early
Budget bars fill up as you spend and warn you when you're close to the limit, while there's still time to adjust.
Hit your savings goals
Set a target and a monthly amount. The tracker tells you how many months to go and the month you'll get there.
See your progress over time
Compare this month to last month, and this year to last year. Watch your savings rate climb as your habits change.
Stay calm at tax time
Export your transactions or a yearly summary to a spreadsheet file your accountant can open in Excel, Numbers or Google Sheets.
Keep your privacy
No bank connections and no company holding your financial history. Your numbers stay on your device.
Everything in the Money Tracker
Six screens. Each one does one job well.
No formulas to write and nothing to set up. Open the file and start typing.
01
Dashboard
Your month at a glance: what came in, what went out, what you kept and your savings rate. Every number shows how it compares to last month, so you know right away if you're doing better.
- Income, expenses & net savings
- Savings rate
- Change vs last month
- 6 or 12 month chart
- Spending by category
02
Transactions
Add income or spending in a few seconds: type the amount, pick a category, add an optional note. Edit or delete anything later, and see all-time or monthly totals at the top of the list.
- Quick add form
- Expense or income
- Notes on every entry
- Edit & delete
- Rename, add or remove categories
- Choose icons
03
Budgets
Type a monthly limit next to each category and it saves as you go. Progress bars show what you've spent, what's left, and turn gold when you're getting close to the limit.
- Budget per category
- Total budgeted vs spent
- Remaining this month
- "Close to the limit" warnings
04
Savings Goals
Run several goals at once, like an emergency fund, a vacation and a car. Each goal shows your percentage, milestone badges, the months to go and the month you're expected to finish.
- Multiple goals
- 25 / 50 / 75 / 100% milestones
- Months to go
- Expected finish date
- Combined progress
05
Yearly Report
Twelve months rolled up into annual totals, compared with the year before. See your average monthly spending, your highest spending month and your best savings month.
- Annual totals
- Year vs last year
- Average monthly spending
- Best & worst months
- Month-by-month chart
06
CSV Export & Backup
Export all transactions, one year, or a yearly summary to a CSV file that opens in Excel, Numbers and Google Sheets. Download a backup anytime and restore it on another device.
- Export all or by year
- Yearly summary export
- One-click backup
- Restore on any device
Ready to see where your money goes?
$24.99 once. No subscription.
Who is this for?
An honest look at whether it's right for you.
Made for you if:
- You want to stop wondering where your money went
- You want to budget without complicated spreadsheets
- You want to track your spending privately
- You want to build savings goals
- You don't want another monthly subscription
Not for you if:
- You want automatic bank syncing
- You want an AI financial advisor
- You don't want to manually enter transactions
How it works
Set it up tonight. Know your numbers tomorrow.
No setup wizard and no learning curve. Here's the whole process.
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GrowMoneyWithUs-MoneyTracker.html
Double-click to open
1
Download and open
After checkout you get a ZIP. Unzip it, then double-click the tracker file. It opens in your browser. That's the whole install.
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2
Add your transactions
Type the amount, pick a category, press Add. It takes a few seconds per entry. Make it a habit at the end of each day.
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3
Set budgets and goals
Give each category a monthly limit and add the goals you're saving for. Everything saves automatically as you type.
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4
Watch it work for you
Your dashboard, charts, budgets and yearly report update the moment you add something. Just check in and adjust.
On your phone too
Check your budget in line at the store.
The tracker adapts to small screens with a bottom menu that's easy to tap. Use it on the device you carry every day, and move your data between devices with backup and restore.
- Made for touch, with large tap targets
- Light and dark mode
- Same features as on desktop
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Why it's different
Built to stay out of your way, and out of your data.
Private
Your numbers are saved in your own browser on your own device. No accounts, no servers, no bank logins.
Works offline forever
It's a single file on your computer. It opens without internet today and will keep opening years from now.
No subscription
Buy it once for $24.99 and it's yours to keep. No monthly charges, no renewals, no surprise price hikes.
| The Money Tracker | Subscription budgeting apps | DIY spreadsheet | |
|---|---|---|---|
| Price | $24.99 once | Monthly or yearly fee | Free, plus your time |
| Account or bank login | Not needed | Usually required | Not needed |
| Works offline | Yes | Usually not | Depends |
| Ready-made charts & reports | Yes | Yes | Build them yourself |
| Formulas to maintain | None | None | Yes |
| Where your data lives | Your device | Company servers | Your device or cloud |
Why I built this
I got tired of budgeting apps that wanted a monthly fee and my bank login just to show me my own numbers. I wanted something private that I could pay for once and keep.
So I built the tool I wanted: one file, no account, and nothing leaving your device. I hope it helps you finally see where your money goes.
Pricing
One price. Yours to keep.
Everything on this page is included in a single download. No subscription and no upsells inside the app.
The Money Tracker
$24.99
One-time payment. Instant download.
About $2 a month in your first year, then $0 forever.
Everything included
- The Money Tracker app See where every dollar goes, set budgets, track savings goals and review your year.
- 15-page user guide Get set up in one evening, with every screen explained step by step.
- Money Reset Kit Free bonus Start strong with a 30-day checklist, budget worksheet, savings goal planner and quick reference.
- Backup & CSV export Keep your data safe, move it between devices, and hand clean numbers to your accountant.
- Lifetime access, no subscription Pay once and keep it. No renewals, no price hikes.
Opens in any modern browser on Windows, Mac, phone or tablet.
Free bonus
The Money Reset Kit
A printable PDF to help you start strong in your first month.
- 130-day checklist
- 2Budget worksheet
- 3Savings goal planner
- 4Quick reference
Print it or fill it in on screen. Included with every purchase.
The math
Pay once instead of every month.
Many budgeting apps charge a monthly subscription. Here's how a one-time $24.99 compares with an example $12/month plan over time.
After 1 year
After 3 years
After 5 years
Example $12/month subscription
The Money Tracker, paid once
Example for illustration. Subscription prices vary by app.
What happens after I buy?
From checkout to tracking in minutes.
-
1
Purchase
Complete checkout.
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2
Download
Instantly receive your ZIP file.
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3
Open
Unzip it and open the HTML file.
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4
Track
Start adding your transactions.
Start Tracking My Money, $24.99
One-time payment. Instant download.
Questions
Frequently asked
Is this a spreadsheet?
No. It's a ready-to-use app in a single HTML file. You double-click it, it opens in your browser, and you start adding transactions. There are no formulas or cells to manage.
Is my data private?
Yes. Everything you enter is stored in your browser on your device. Nothing is uploaded, and there's no account to create. Use the built-in backup to keep a copy somewhere safe.
Does it work on my phone?
Yes. The tracker runs in any modern browser and has a phone-friendly layout with a bottom menu. Your data is saved per device and per browser, so pick the one you'll use most. You can move data between devices with backup and restore.
Does it connect to my bank?
No, and that's on purpose. You add transactions yourself, which takes a few seconds each. It keeps your bank login private, and writing down each purchase makes you more aware of your spending.
How do I get it after I buy?
You get instant access to a ZIP download. Inside is the tracker file, the user guide and the Money Reset Kit. Unzip it, move the folder somewhere you'll keep it (like Documents) and double-click the tracker file.
Do I need internet?
No. After downloading, the tracker works completely offline.
What happens if I clear my browser data?
Your entries live in your browser, so clearing site data would remove them. That's why backup is built in: one click downloads a file with everything, and one click restores it.
Can I change the categories and currency?
Yes. Rename, add or remove categories and choose their icons. You can pick from 7 currencies: $, €, £, ¥, ₹, ₦ and R$.
Still wondering?
Write to a human
No ticket numbers, no chatbot, no "your request is important to us". This address goes to my inbox, and I read every message myself.
To
hello@growmoneywithus.online
Subject
Question about The Money Tracker
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Your money, finally in one clear place.
One file. No sign up. No monthly fee. Start tracking tonight.
Start Tracking My Money, $24.99Instant download • One-time payment • No subscription