Taraka - Money Tracker

Zenith7

About this app

Taraka is a private money tracker for people who deal with more than one currency. Keep wallets in any of fourteen currencies, see what you hold in each one, and let Analytics add it up in the currency you think in. Everything lives on your phone; an account is never required.

WALLETS AND CARDS
• Cash, bank and e-wallet accounts side by side, in USD, IDR, NTD, JPY, SGD, MYR, KRW, THB, CNY, HKD, VND, PHP, EUR or AUD
• Credit cards with amount owed, limit, available credit and due day
• Cross-currency transfers keep the rate you actually got, not an estimate
• Exchange rates always show their date; optional daily auto-update

EVERY MOVEMENT, QUICKLY
• Income, expense and transfer, with a calculator built into every amount field
• Repeating transactions — daily, weekly, monthly, yearly — that catch up when you open the app
• Templates for the entries you make often
• Voice entry in six languages; receipt photos with on-device text recognition
• Quick Add from the notification shade and a home-screen widget

LENDING AND BORROWING
• Track what each person owes you and what you owe them, per currency
• One tap on a person's card records a lend, a repayment or a pay-back

SEE WHERE YOU STAND
• Cash flow, top categories, biggest changes against the period before
• Net worth and card debt over time
• Budgets per category, savings goals with contributions
• Forecast: your future cash across five horizons, from what repeats, what you plan and what you actually spend

BRING YOUR HISTORY
• Import a CSV your bank exported: Taraka works out the columns, the number style and the date style, and shows every row before anything is saved
• Export JSON backups and Excel reports

PRIVATE BY DEFAULT
• No ads, no tracking, no usage analytics, no Taraka server
• PIN lock with optional fingerprint or face unlock
• Encrypted backup to your own Google Drive is opt-in and off until you turn it on

EIGHT LANGUAGES
English, Bahasa Indonesia, 繁體中文, 简体中文, 日本語, 한국어, Tiếng Việt, ไทย — switch any time.

What’s new

Budgets that say whether you are on pace.

Each budget card now says whether this month's spending is on pace for the limit, how much is left, and how many days it has to last. "On pace" means you have spent no more than today's fair share of the limit; "Ahead of pace" means more than that; "Over by" says by how much.

The percentage and the bar are unchanged.