Tracko - Expense Tracker

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.