Tracko is a personal finance app that works fully offline — track every rupee, budget by category, split bills with friends, and plan your taxes, without needing an internet connection to do it.

WHY TRACKO IS DIFFERENT

Most finance apps need a live connection just to log a coffee. Tracko doesn't. Everything you do — adding a transaction, checking a balance, updating a budget — works instantly, offline, and syncs automatically the moment you're back online. No spinners, no waiting, no lost entries.

TRACK EVERYTHING THAT MATTERS

Multiple account types — bank, cash, credit cards, loans, fixed deposits, and investments
Quick income & expense entry with notes and receipt photos
Split a single expense across multiple categories in one go
Transfers between your own accounts
Custom categories, or use the ones built in
Full edit and delete control over every entry

SPLIT EXPENSES, WITHOUT THE AWKWARDNESS

Create a group for a trip, a flat share, or a friend circle
Split any expense by exact amount or by percentage
Track who owes what, settle up, and approve settlements — all in the app
Share accounts with your household so everyone stays on the same page

BUDGETING THAT ACTUALLY STICKS

Set a budget per category and track spend vs. plan with simple progress bars
Mark a budget as recurring and it carries forward automatically every month
Let AI build a full category-by-category budget based on your real spending history and income
Get a monthly spending breakdown and personalized suggestions

CREDIT CARDS, HANDLED PROPERLY

Set your credit limit and billing date
Automatic bill due-date tracking with clear warnings before you're overdue

BUILT FOR INDIA

Tax planning with built-in 80C, 80D, and Section 24 tracking
Home loan EMI tracking with a full repayment schedule
₹ throughout, with support for other currencies if you need them

PLAN AHEAD, NOT JUST BACKWARD

Debt payoff planner comparing Avalanche and Snowball strategies, so you know exactly which saves you more interest
Savings goals with progress tracking
Emergency fund tracker to see how many months of expenses you have covered
A financial health score that pulls all of it together at a glance

INVESTMENTS AT A GLANCE

Track stocks and mutual fund holdings
See invested amount, current value, and gain/loss in one place

SEE THE FULL PICTURE

Interactive charts: spending by category, income vs. expense trends, net worth over time, and spending-by-weekday patterns
Powerful search across every transaction
Export your data to PDF or Excel anytime

PRIVACY, CONTROL, AND SECURITY

Biometric app lock, so your finances stay private even if someone picks up your phone
Your data is yours — securely stored and synced across your devices
Light and dark themes
No ads, no clutter, no distractions

Try Tracko free for 21 days, then unlock it for good with a single one-time payment of INR 99 — no subscriptions, no recurring charges.

Whether you're tracking every coffee, splitting a trip with friends, or building toward a savings goal, Tracko helps you build the habit — fast, offline, and genuinely useful.

Simple. Fast. Private. Built for how you actually manage money.