Your money.
Your data.
No bank required.
AI-powered budget tracking and anomaly detection — with a privacy-first guarantee that no other finance app can match. Analyzed in-memory, never stored.
Uber Eats spend is 38% above your food budget this month.
Netflix, Spotify, Hulu — $47.97/mo in subscriptions detected.
At this savings rate, you'll reach $10k by Q3.
Data in. Something you can verify. Insight out.
Three steps — but the middle one is the whole point. It's the step every other finance app asks you to take on faith.
Add your transactions
Connect a bank through Plaid, import a CSV or OFX file, scan a receipt, or type them in. However they arrive, they're yours.
AI analyzes it privately
Our AI processes your data in-memory on our own servers. No third-party AI, no logs, no retention. The analysis happens — then the data is gone.
Get actionable insights
Budgets that track trends, anomaly alerts, subscription detection, and savings projections — returned in under a second.
AI that never phones home
Your transactions are analyzed by our own model, on our own servers. No OpenAI, no Anthropic, no data broker in the loop. Each request is processed in memory and discarded the moment the insight is returned.
Bank sync or manual — your choice
Connect a bank through Plaid, drop in a CSV or OFX export, snap a receipt, or type it in yourself. Every feature works exactly the same regardless of how the data arrives. Nothing is locked behind one import method.
Budgets that actually work
Set a budget and TrackFin watches the trend, not just the total. It flags a category drifting over before the month ends — so you can adjust while it still matters, not after the statement lands.
Other apps ask you to trust them.
We let you check.
Every finance app has a privacy page with a shield and three reassuring paragraphs. Ours is different in one way that matters: the claim is verifiable. The AI service code is open source. You can read it. You can run it yourself.
// the entire lifetime of your transactions on our server: export async function analyze(txns) { const insights = await model.run(txns); // ✗ no db.insert() — nothing is written // ✗ no logger.info() — nothing is logged return insights; // txns discarded when this returns }
Transaction data stored on the AI serverIt exists in memory for one request, then it's gone.
Model trained on your dataYour spending never becomes training material.
Data sold to third partiesNo brokers. No ad networks. No "partners."
End-to-end encryptionTLS 1.3 in transit, encrypted at rest.
Zero-log processingVerifiable in the open-source service code.
Export anytime, delete on requestOne click to export. It's your data — leaving is easy.
Zero-log AI processing
The AI service holds your transactions in memory only for the length of one request. It writes nothing to disk and emits no log lines containing your data.
End-to-end encryption
Data in transit is protected with TLS 1.3. Data at rest is encrypted. The keys to your account are never part of what an attacker could sell.
Open-source server
The AI service is open source under the MIT license. Read exactly how your data is handled — or run the whole thing yourself.View the architecture
Free during beta. Genuinely.
No credit card. No trial clock. Just the whole product, while we build toward paid plans — and early adopters keep a permanent discount when they arrive.
Everything, free
The complete TrackFin product during public beta.
- Unlimited transactions
- Full private AI insights
- Receipt scanning & import
- Budget tracking & anomaly alerts
- Export your data anytime
When paid plans launch
We'll introduce paid tiers as TrackFin grows — with the same privacy architecture, never a data-for-discount trade. The free beta is a real offer, not a countdown.
The things skeptics actually ask.
Yes — TrackFin is free during our public beta. No credit card, no trial clock. Beta users lock in a permanent early-adopter discount when paid plans launch.
Your transactions are analyzed in-memory on our own servers and discarded the moment the response is sent. Nothing is written to a database, nothing is logged, and nothing is sold. TLS 1.3 in transit, encrypted at rest.
It doesn't use them — and that's the point. TrackFin runs its own model on its own infrastructure. Your transactions never touch a third-party AI provider or a data broker. Because the AI service code is open source, you don't have to take our word for it: you can read exactly what happens to your data, or run the service yourself.
No. Bank sync via Plaid is optional. Import a CSV or OFX file, scan receipts, or enter transactions by hand — every feature works the same regardless of how the data arrives.
TrackFin supports major world currencies and formats amounts to your locale. Multiple currencies are handled per transaction, so mixed-currency accounts stay accurate.
Anytime. Export everything you have in one click from the Account page, and ask us to delete your account whenever you want — we erase it and all associated data permanently. It's your data — leaving is as easy as arriving.