Show HN: Trackm, a personal finance web app

Pocket-based budgeting with end-to-end encryption. No subscriptions, no data sharing, no operator access — ever.

| Type | Description | Amount | |---|---|---| | Jan 3 | || | income ↻ | Salary | +$3,500 | | net movement | +$3,500 | | | Jan 10 | || | expense ↻ | Rent | −$1,800 | | expense | Groceries | −$200 | | net movement | −$2,000 |

Name them after real accounts or spending categories — whatever matches your life.

Add income, expenses, and transfers. Set recurring rules once and forget.

Every balance updates instantly. Trackm also forecasts which pockets will go negative and on which day — so you can act before it happens.

Trackm projects your recurring rules 90 days ahead and tells you exactly which day a pocket will go negative — so you can act before it happens.

Most finance apps make money by analysing your spending. Trackm cannot — your data is encrypted with a key only you hold.

A focused tool that does budgeting well — fast, and always under your control.

Allocate money into named pockets. Each tracks its own running balance from real transactions.

See every pocket's balance over any date range, or zoom out to your total net worth.

Recurring income, expenses, and transfers projected automatically so your balance is always realistic.

Tag expenses with categories, then view pie-chart reports to see exactly where money goes.

Trackm projects your recurring rules 90 days ahead and tells you exactly which day a pocket will go negative — with a direct link to that day in the timeline.

No monthly fees. No hidden charges. Pay once and it's yours forever.