Trackworth: Finance Tracker

I built this because I got tired of apps that want my bank login.

Mint shut down. YNAB and Monarch both use Plaid, which means every transaction you make gets copied to their servers. I didn't want that, so I made something different.

Trackworth keeps everything on your phone. No cloud. No account to create. No third-party watching your purchases. Just download your bank statement as a CSV and import it - takes about 10 seconds.

HOW IT WORKS You go to your bank's website, download a CSV or OFX file, and drop it into Trackworth. That's it. Works with TD, RBC, Scotiabank, BMO, CIBC, Tangerine, and pretty much any bank that lets you export transactions. Coming from YNAB? You can import that export file too.

WHAT YOU GET

• Track spending across multiple accounts
• Set budgets by category with progress bars
• See where your subscriptions are going
• Lock with Face ID if you want

The free version gives you 3 accounts and 3 budgets with no time limit. Pro adds more accounts, OFX import, and spending analytics. Max adds investment tracking with live prices.

WHY NO PLAID? Plaid is a data aggregator. When you link your bank through YNAB or Monarch, Plaid gets a copy of every transaction. They say it's secure, but that data still exists on someone else's server. With Trackworth, your data never leaves your phone.

If you actually care where your financial data ends up, this is for you.