A Free Budget Tracker That Fills Itself In
Budgets fail when updating them is a chore. In Trackr, every expense you speak lands in the right category budget automatically — so the numbers are always current without a weekly spreadsheet session.
Category budgets that track themselves
Set a monthly limit per category — Food, Transport, Shopping, anything — and Trackr shows how much is left as expenses come in. Getting close to a limit? You'll see it before the month blows up, not after.
- Per-category monthly limits with live progress.
- AI budget suggestions based on your actual spending history — not a generic template.
- Budget alerts when a category is running hot.
The 50/30/20 rule, built in
The 50/30/20 rule splits your income into 50% needs, 30% wants, and 20% savings. Trackr classifies every expense as a need, want, or savings automatically, so you can see your real split at a glance — no manual tagging.
Read the full guide: the 50/30/20 rule explained.
Savings goals with a finish line
Emergency fund, a trip, a new laptop — set a target amount and deadline, and Trackr tracks progress as you save. Goals sit next to your budgets, so saving is part of the same picture as spending.
Free vs paid budget trackers
Most budget apps paywall the useful parts: YNAB is $109/year, Monarch is $99.99/year, and Goodbudget caps its free envelopes. Trackr's budgets, goals, 50/30/20 tracking, and insights are all in the free Solo plan — Plus only adds family sharing, cloud sync, and exports.
| Trackr | YNAB | Monarch | Goodbudget | |
|---|---|---|---|---|
| Price | Free (Plus optional) | $109/year | $99.99/year | Free tier, $10/mo full |
| Category budgets | ✅ | ✅ | ✅ | ✅ (limited) |
| Auto 50/30/20 split | ✅ | ❌ Manual | ❌ | ❌ |
| Savings goals | ✅ | ✅ | ✅ | ✅ |
| Fills from voice entry | ✅ | ❌ | Bank sync | ❌ |
| Works offline | ✅ Full PWA | ❌ | ❌ | Partial |
Budget tracker FAQ
What is the 50/30/20 budget rule?
It splits your income into 50% needs, 30% wants, and 20% savings. Trackr classifies each expense automatically, so you see your real split without manual tagging.
Is there a completely free budget tracker?
Yes. Trackr's budgets, goals, 50/30/20 tracking, and insights are all in the free Solo plan. Plus (৳149/mo) only adds family sharing, cloud sync, and exports.
Do I have to enter every expense manually?
No. Say or type what you spent and the AI files it in the right category budget — the numbers update themselves as you go, so budgets stay current.
Can I set savings goals?
Yes. Set a target amount and deadline for anything — an emergency fund, a trip, a new laptop — and Trackr tracks progress right alongside your budgets.
Does the budget tracker work offline?
Yes. Trackr is an offline-first PWA, so budgets and entries keep working with no connection and sync later. No app-store download needed.
Free forever for solo use · No credit card · Works offline