trak-yo-dolla$

Net Worth

Add your real balances in the Accounts section below, then + Save snapshot when you're done.

Net worth trend

📌 The line interpolates between saved snapshots, then extrapolates forward using current account balances. ● Green dots mark saved snapshots.

Emergency cushion

Accounts & assets

Outside net worth

Physical assets

💡 Own a home, condo, or flat? Use + Add account above (Type: Home) — it nets against a Mortgage liability in your net worth.

Net worth snapshots

💡 No snapshot yet this month — hit to keep your trend line current.

Budget

Life Changes

See what a big change — a move, a new mortgage, a kid — would do to your real spending, based on your actual history, not a generic calculator.

📊 Latest full month at a glance

Spending

🏷️ Suggest a merchant category ↗

↔ Align sources ✓ Aligned to · show all

Period spend

—

Top 5 categories

Top 5 vendors

By:

↑ above · ↓ below your avg for this period · Show if ≥ % · Arrow if ≥ %

Tile absolute variance signals

↑ / ↓ appear on tiles when this month's spend differs from your average. Arrows show for larger swings.

Show signal if ≥ % Show arrow if ≥ %

Spending breakdown

Txns

Manage categories

Add custom categories. The app picks colors automatically to keep your categories visually distinct from each other.

Import transactions

Upload a CSV or paste rows from your bank. Format is detected automatically. Nothing leaves your device.

Also accepts Mint, YNAB, and Monarch Money exports.

Label these transactions as

📂

Drop your CSV here Tap to select a CSV file

or click to browse

Not sure what to upload?

How to export from your bank:

Chase — Sign in → Accounts → Download activity → CSV — guide →
Ally — Sign in → account → Download transactions → CSV — guide →
Bank of America — Sign in → account → Download → CSV — guide →
Most banks — look for Download or Export in your transaction history — all export guides →
Only offered Excel, not CSV? Open it in Excel or Google Sheets, then Save As or Export → CSV before uploading here

Columns the app reads:

Checking/savings — Date, Description, Amount, Type
Credit card (Chase, Amex, etc.) — Transaction Date, Description, Amount, Category
Debit/credit columns — Date, Description, Debit, Credit (or Withdrawals/Deposits, or ING Australia's Credit/Debit Amount)
Bank of America — Date, Description, Amount
ANZ, BNZ, Westpac (NZ) — Date, Amount, Description/Payee/Details — auto-detected
Starling (UK) — Date, Counter Party, Reference, Amount — auto-detected
HSBC, Nationwide, Santander, Barclays, Lloyds, Halifax (UK) — via each bank's "midata" download (Date, Merchant/Description, Debit/Credit) — auto-detected. Covers 12 months ending ~30 days ago, not a full statement.
Mint — Date, Description, Amount, Transaction Type, Category
YNAB — Date, Payee, Outflow, Inflow, Category
Monarch Money — Date, Merchant, Amount, Category

Format is detected automatically. If it's not right, use Having trouble? below.

Use ASB, Kiwibank, DBS, OCBC, Bendigo Bank, Monzo, NAB, NatWest, Tangerine, or RBC? Not auto-detected yet — the numbers matter too much to guess at a format without a real sample. Email a redacted export (header row plus a couple of rows with fake amounts) to contact@trakyodollas.com to help build it — get credited by name when it ships. (NAB and NatWest only offer Excel for personal accounts — open yours in Excel or Google Sheets, Save As or Export → CSV first, then send that the same way.)

✓

✗ Found 0 transactions

See export guides →

Date format:

Bank or credit card export

Migrating from another app

Ally, Fidelity, Vanguard, Schwab, Marcus, SoFi, and most banks. Look for Download transactions → CSV in your account activity.

Most major banks and credit cards (Chase, Bank of America, Wells Fargo, Citi, Capital One, Amex, Discover, and more). Look for Download activity → CSV.

Wells Fargo, USAA, and banks with separate Deposits and Withdrawals columns — common with credit unions and older bank exports.

Bank of America checking and savings. Deposits are skipped automatically — only spending rows are imported. Look for Download → CSV in your transaction history.

Any CSV with date, description, and amount columns. First row must be headers.

Mint exported CSV (Date, Description, Amount, Transaction Type, Category columns). Mint shut down in March 2024 — your exported CSVs still work here. Credits are skipped automatically. Categories import as-is where they match.

You Need A Budget export (Payee, Outflow, Inflow, Category columns). Export from YNAB → All Accounts → Export. Inflows are skipped. Categories map automatically where possible.

Monarch Money export (Date, Merchant, Amount, Category columns). Export from Settings → Data → Export Transactions. Positive amounts (income) are skipped. Categories import as-is where they match.

Want to start fresh?

Remove 0 transactions and start over?

Categorization uses your rules, built-in keywords, community patterns, and MCC codes — in that order.

Replace existing transactions from this source

Use this when re-importing after a categorization update

Venmo cashouts detected

We found 0 Venmo cashout(s) totaling $0. These are incoming payments — how should we treat them?

Offset Shopping

Treat as negative Shopping spend — useful if people are reimbursing you for group orders (e.g. Nike, Amazon). Reduces your net Shopping total.

Offset a different category

Exclude completely

Hide from all spending views — useful if these are personal repayments unrelated to your tracked spending.

Save your progress

⚠️ Signing in will replace the demo data on this device with your account data.

No password — we'll email a one-time sign-in link.

Check your inbox

Link sent to

Check spam if it doesn't arrive in a minute — it comes from noreply@trakyodollas.com. Links expire after 1 hour and can only be used once.

🔒 Your browser handles CSV files locally — nothing leaves your device unless you choose to sync.

Synced data encrypted on your device — only ciphertext stored server-side 🔒

Sync passphrase

Passphrase

Confirm passphrase

We never see this passphrase and can't reset it. If you forget it, you can't recover your synced data — your local data on this device is unaffected.

This permanently deletes your synced data

Nobody can decrypt it without the passphrase, so resetting is the only way back in. Everything on this device — transactions, accounts, budgets, net worth history — stays exactly as it is; only the encrypted cloud backup used for syncing gets deleted. Set a new passphrase and this device's data starts syncing fresh under it.

Type reset to confirm

Add account

Name

Institution

Type

Balance ($)

Exclude from net worth

Track for visibility only — e.g. 529, custodial, trust

Counts as liquid

Spendable now — checking, savings, brokerage. Uncheck for 401(k)/IRA, real estate, or anything else you can't tap on short notice.

Delete this account? This cannot be undone.

Add transaction

Date

Description

Source

Category

Amount ($)

Edit transaction

✏️ Check transaction — update the description to note what this was for (e.g. "Plumber", "Tuition"), then pick the right category.

Description

Date

Amount ($)

Category

Recategorize similar transactions

Select all

Spending exclusion

Hide this transaction from spending totals & charts

Use for investment contributions, credit card payments, reimbursements, or anything that shouldn't count as spending.

Delete this transaction? This cannot be undone.

Import CSV

Columns: name, source, type, balance — type must be one of: cash, investment, home, vehicle, mortgage, credit, other-asset, other-liability

Click to select CSV

Add physical asset

VIN (optional — auto-fills details)

Year

Make

Model / Trim

Region (for the value-check link below)

Condition

Mileage

Asset name *

Category

Est. value ($) *

* required

Delete this asset? This cannot be undone.

✓

Import successful!

Nothing here is required — set up income from the Spending tab, balances from the Net Worth tab, or budgets from the Budget tab, anytime.

Don't obsess over money. Understand it.

Community patterns

Keyword→category mappings that run on every import

Missing a merchant? Help improve categorization for everyone.

Suggest a merchant category ↗

Set monthly budget

Category

Monthly target ($) — leave blank to remove

Don't see a category? Add it in the Spending tab, then come back here to budget for it.

Remove this budget?

You can undo via the toast that appears.

Add a hypothetical change

Category

New monthly amount ($)

Duration

Save as auto-categorization rule?

⚡

Next time you import a CSV, matching transactions will be categorized automatically.

Rule preview

If a transaction description contains , categorize it as .

Keyword (edit if needed)

⚡ Auto-categorization rules

Rules run automatically every time you import a CSV. When a transaction description contains a keyword you've defined, it gets categorized instantly — no manual cleanup needed. Rules take priority over built-in guesses.
The more rules you build, the less work each new import takes.

New rule

If description contains

Categorize as

🌍 Currency symbol

Choose the symbol displayed next to all amounts in the app. This is cosmetic only — the app does not convert between currencies.

Custom:

💰 Income & savings rate

Your savings rate is how much of your income you keep each month. Choose how you want to track it:

Once saved, your savings rate will appear as a pill in the '26 Apr at a glance card on the Net Worth tab.

Manual — enter your take-home pay

Most accurate. Enter your monthly after-tax income once and we'll calculate your savings rate from your spending.

Monthly take-home pay (after tax)

Auto-detect from deposits less accurate

Scans your imported transactions for deposits, excluding transfers and payments. Works best with bank or credit union (checking) CSV imports. May overcount if transfers appear as deposits.

Preview — savings rate pill

Select a method above to see a preview

💰 Monthly take-home income

Set your actual monthly after-tax pay. Overrides deposit detection and feeds the savings rate insight.

Monthly take-home (after tax)

⚙ Customize insight pills

Choose which pills appear in your at-a-glance card. Changes save automatically.

⟲ Merge duplicate vendors

Bank CSVs often use different names for the same vendor — AMZN MKTP US, AMAZON.COM, AMAZON PRIME. Merging them combines their totals everywhere: charts, buckets, insights, and summaries. Your raw transactions are unchanged.

Add alias

This vendor name

→

Should display as

Add historical snapshot

Backfill a past net worth data point to extend your trend line. Useful if you know what your net worth was at a specific date.

Date

Net worth ($)

Total assets ($) optional

Liabilities ($) optional

Other vendors

Vendors outside the top 8. Click any to search their transactions.

🔄 Recurring charges

⚠️ Possible duplicate charges

📅 Year in review

Clear all data?

This will permanently delete all your transactions, accounts, budgets, rules, and snapshots on this device. This cannot be undone.

Your cloud-synced backup isn't affected by this — signing back in with your sync passphrase will restore it. To delete your synced data too, .

To confirm, type clear below:

Tips & shortcuts

Keyboard

Open tips & shortcuts

?

Clear filters · close modals

Esc

Click interactions

Category tile

Filter transactions to that category

Vendor tile (Split)

Filter transactions to that vendor

Flow / node (Flow chart)

Filter transactions to that category

Day cell (Daily)

Filter transactions to that day

Peak day card

Filter transactions to that day

Active filter

Click again to remove

Tips

⚙ → Clear all data

Deletes all your data permanently. Type "clear" in the confirmation box to unlock the button

Categorization priority

1. Your rules — keyword rules you've saved always win
2. Built-in keywords — ~300 common merchant names, matched automatically
3. Community patterns — 1802 community-contributed keyword→category mappings covering US, CA, UK, AU, NZ, and SG merchants, picking up what built-in keywords miss — fetched once per session · Suggest a merchant category ↗
4. Merchant Category Codes (MCC) — 4-digit codes your bank or credit union assigns to merchants, if present in your CSV

··· → Rules

Auto-categorize future imports by keyword

Edit a transaction

Save category changes as a permanent rule

Customize (At a Glance)

Show or hide individual insight cards

Set a custom goal

Enter any net worth target. Milestone buttons will still work alongside it.

Goal amount

Delete snapshot?

This cannot be undone. The snapshot will also be removed from your net worth chart.