Subfactor is a simple and powerful money tracker app built to help you manage your personal finances in one place.

Track your expenses, income, subscriptions, credit cards, loans, investments, savings balances, current accounts, and budget goals without connecting your bank account.

Subfactor is designed for people who want a clean finance tracker app where they can manually record money movement and understand where their money is going.

Why use Subfactor?

Most people have money spread across savings accounts, wallets, cash, credit cards, investments, loans, and subscriptions. Subfactor brings all these records together so you can see your financial picture clearly.

Key features:

Expense Tracker
Add and manage your daily expenses. Track where you spend money, which account was used, and how much you spent in each category.

Income Tracker
Record salary, freelance income, business income, refunds, cashback, gifts, rental income, or any other credit received.

Subscription Tracker
Track active subscriptions such as Netflix, Spotify, ChatGPT, cloud tools, apps, software, education platforms, and more. See renewal dates, overdue subscriptions, and paid status.

Credit Card & Overdraft Tracking
Add your credit card, overdraft, BNPL, EMI card, travel card, or forex card balance and track credit usage manually.

Loan Tracking
Track personal loans, home loans, vehicle loans, business loans, education loans, app-based loans, borrowed money, and other liabilities. Add EMI remaining and monitor loan balance.

Investment Tracker
Track investments such as SIP, mutual funds, stocks, ETFs, digital gold, fixed deposits, recurring deposits, PPF, NPS, real estate, crypto, and more.

Savings Balance Tracker
Add your savings bank accounts, wallets, cash, gift cards, prepaid cards, foreign currency cash, and other liquid money records.

Business Current Account Tracking
Track current account balances for business, proprietorship, company, LLP, MSME, merchant, e-commerce, or professional accounts.

Charts & Insights
Visualize your money with pie charts, donut charts, and bar charts. See expense charts, income charts, investment charts, savings charts, subscription charts, and liability charts.

Budget Limit
Set monthly or yearly budget limits and track your spending progress.

Investment Goal
Set monthly or yearly investment goals and track your progress with simple visual progress bars.

Excel Export
Export your finance records to Excel and receive them on your registered email.

Manual & Private by Design
Subfactor does not automatically fetch your bank transactions, SMS, UPI payments, card transactions, or live account data. You manually add the information you want to track.

Who is Subfactor for?

Subfactor is useful if you want to:

• Track daily expenses
• Manage monthly budget
• Track income sources
• Track subscriptions and renewals
• Track credit card expenses
• Track loans and EMI balances
• Track investments
• Manage savings and cash balances
• View personal finance charts
• Export money records to Excel
• Keep all money records organized in one app

Subfactor can be used as a money tracker app, finance tracker app, budget app, expense tracker app, subscription management app, loan tracking app, income tracking app, credit tracking app, and investment tracker app.

Important note:
Subfactor is a personal finance tracking tool. It is not a bank, financial advisor, investment advisor, tax advisor, or lending service. All records are manually entered by the user.

Start using Subfactor to track your money, manage expenses, monitor subscriptions, follow your budget, and understand your financial life more clearly.