TrakFi - Monthly Finance Tracker

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🟡 Why TrakFi? — see how it works →
💼 Opening Balance
₹0
💰 Monthly Inflows
₹0
🪙 Salary
₹0
🍔 Expenses
₹0
Cash/UPI only
⏳ Bills Pending
₹0
💸 Cashback & Refunds
₹0
💳 Credit Card — Due Next Month
₹0
This month's card spend, billed on next month's statement
💵 Cash Left
₹0
🏁 Closing Balance
₹0
Salary − Bills Paid − Cash/UPI Expenses + Cashback = Cash Left
Cash Left + Opening Balance + Monthly Inflows = Closing Balance
🧾 Paid — already left your bank
⏳ Pending — not yet reflected in your balance

💼 Opening Balance

▸
Your bank/cash balance on day 1 of this month.
Auto-filled from last month's Closing Balance — edit freely to match your real statement.
Total Opening Balance₹0

💰 Monthly Inflows

▸
Money that keeps coming in each month on top of your salary — dividends, bonuses, gifts, and similar.
Kept separate from Opening Balance to avoid mix-ups.
💰 Dividend Income
🎁 Bonus, Gifts & Other Income
Total Monthly Inflows₹0

🌊 Cash Flow Breakdown

▸

📉 Monthly outflow — yearly trend

▸
Actual money that left your bank each month — bills paid + Cash/UPI spends.
This month's own credit card purchases are excluded, since they haven't left the bank yet (they show up next month, as that month's Credit Card bill).
📐 Monthly Average₹0

📋 Bills — Recurring Commitments

▸
Savings & Investments, Loans & EMI, Insurance, Credit Cards, and Housing & Utilities.

🍔 Expenses

▸
Everyday spending across lifestyle categories — groceries, dining, shopping, travel, and the rest.

🍔 Expenses — distribution

▸
How this month's everyday spending splits across categories.
Covers the full amount bought — both Cash/UPI and Credit Card spend combined, for this month.

🎯 Budget Allocation

▸
At a glance: how close each category is to the budget you set for it, below in Expenses. 🟢 under 75% · 🟡 75–90% · 🔴 over 90%.

🍔 Expenses — yearly comparison

▸
Everyday spending (all categories combined) each month, compared across the selected year.
📐 Monthly Avg (Cashback Not Adjusted)₹0

💸 Cashback & Refunds

▸
Money that came back to you this month — cashback, a refund, or a credit card overpayment credit.
Just enter the amount as a positive number and tag how it was credited — the rest is automatic:
• Cash/UPI adds straight to your Cash Left
• A card credit reduces that card's spend (and next month's auto bill) instead
Total in this month +₹0

🔥 Overall Burn Rate (🏧 + 💳)

▸
What you actually bought this month, regardless of how you paid — Cash/UPI + Credit Card spend combined.
Different from "Cash Left," which only counts money that has left your bank so far.
Bridge below: total spend − this month's Refunds = Total Adjusted Spent.
💳 This month's spend, by card
Blue = Cash/UPI spends · Red = Credit card spends (stacked) · Dashed line = average of the last 3 active months.
📐 Monthly Avg (Cashback Adjusted)₹0

💳 Credit card bills — yearly comparison

▸
🟢 Green — a completed month. Its card spend has already been billed and settled.
🟠 Amber — the month you're viewing now. Spend is still building up and becomes next month's bill.
Each month shifts forward automatically: this month's amber turns green next month.
📐 Monthly Avg (Cashback Adjusted)₹0

📈 Chart Studio

▸
Charts you build below (in Customize) show up here.

💹 Savings & Investment Progress

▸
How much of this month's salary actually went into Savings + Investments, against your target (editable below in Wealth Snapshot benchmarks).
0%
Total saved & invested to date
⚙️ adjust starting balance (before you used this tracker)

🧭 Wealth Snapshot & Advisor Notes

▸
⚙️ edit benchmarks
On track Watch Needs attention│ marker = you

🛠️ Customize

▸
Add one-off or recurring items, or build your own chart from any combination of buckets and categories.
▸ 💳 Manage Payment Methods
UPI/Bank and Cash are always available. Cards below are fully your own — add a new one the day you get a card, remove it the day you close one.
Renaming a card is safe any time. Removing one only stops it appearing in the picker — past entries are untouched.
Free tier: up to 2 cards. Gold and Elite: unlimited.
▸ ➕ Add an item
▸ 📊 Create a chart
Pick what to track, how to view it, and whether it's for this month only or across the whole year. New charts appear in Chart Studio above.
Choose one or more items to include: