FinanceKeeper: Money Tracker

About FinanceKeeper: Money Tracker

Take control of your money with FinanceKeeper—a private money tracker for managing expenses, income, accounts, budgets, bills and cash flow without linking your bank account.

Add transactions manually in seconds, organize them with categories, merchants and tags, and see exactly where your money goes. FinanceKeeper combines everyday expense tracking with flexible budgeting and useful financial insights in one simple app.

💰 Track expenses and income

• Record expenses, income, refunds and transfers
• Add past or recurring transactions
• Assign categories, merchants, accounts, notes and tags
• Attach receipt photos when needed
• Edit or reclassify transactions at any time
• Review transactions by week, month, quarter, year or a custom period

🏦 Manage accounts and balances

• Create bank, savings, current, cash, card and other accounts
• Add an opening balance for each account
• Track the current balance across your accounts
• See the transactions contributing to an account balance
• Keep transfers separate from actual spending and income

📊 Understand your cash flow

• Compare money coming in with money going out
• View expenses, income and net cash flow for each period
• Explore top spending categories and merchants
• Review income sources and account balances
• Filter transactions directly from charts and summaries
• Move between historical weeks, months, quarters and years

🎯 Create flexible category budgets

Build budgets around real life instead of forcing every expense into a monthly limit.

• Create monthly, quarterly, half-yearly or annual budgets
• Use custom repeating intervals for irregular expenses
• Track spending within each budget’s actual cycle
• View the amount spent, remaining budget and progress
• Carry unused budget into the next cycle when enabled
• See a derived average monthly plan for easier planning
• Keep uncategorized spending visible
• Edit one budget cycle or the entire recurring series

Budget progress is calculated using the correct budget cycle. A yearly or quarterly expense is not incorrectly judged against a single month’s allocation.

📅 Stay ahead of bills

• Add upcoming bills and recurring payments
• Organize bills by category and account
• Enable reminders when you have bills to track
• Review upcoming commitments alongside your spending plan

📈 Clear reports and insights

• Explore category and merchant spending patterns
• Compare activity across different periods
• Filter reports by transaction type, category or account
• See summaries designed to separate actual cash flow from budget progress
• Expand detailed insights whenever you need a closer look

🔒 Private and independent

FinanceKeeper is designed for people who prefer direct control over their financial records.

• No bank account connection required
• No bank login credentials needed
• Add and manage your financial information manually
• Back up and restore your data when moving devices or reinstalling the app
• Maintain full control over transaction categories and classifications

Whether you want a daily expense tracker, a personal budget planner, an income tracker, a bill organizer or a complete view of your cash flow, FinanceKeeper brings everything together without making money management complicated.

Start with a single expense or income entry and build a clearer picture of your finances over time.