Early version

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A little clarity for everyday money

TrackXpense keeps your money on track.

A week after payday, it is hard to say where the money went. TrackXpense shows what came in, what went out, what you owe and what is due next, so you know what is safe to spend until the next one.

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  • Free during early testing
  • No bank login needed
  • Your records are yours to export or delete

TrackXpense is in early testing. You can sign up and use it on the web.

Sound familiar?

Money is hard to manage when you cannot see it

It is rarely one big mistake. It is cash here, an e-wallet there, a card bill in an email and a due date in a text. Nothing shows you the whole picture.

Without TrackXpense

Money all over the place

Payments spread across apps, texts and receipts. A bill slips past its due date. Money seems to run low before payday, and it is hard to say where it went.

The same week, with TrackXpense

With TrackXpense

One clear view

The card bill was on your list before it was due, so it got paid. Payday is on the calendar. One figure, with the bills still due already set aside, tells you what is safe to spend until then. And you can see where the rest went.

Less keeping up. More looking ahead.

What TrackXpense does for you

Six everyday money questions, each with a clear answer.

  • Where did my money go?

    Track spending and income over any period

    A day, a week, a month, a quarter, a year or dates you choose. A month can start on your payday.

  • Can I afford this?

    Show how much you can still spend

    Budgets for the things you spend on, a clear figure for what is safe to spend until your next payday, and a place to set aside what a budget leaves over.

  • When do I get paid next?

    Know when money is coming

    Pay on any schedule: every two weeks, the 15th and the last day, or 13th-month pay. If you choose, TrackXpense records each payday for you to check.

  • How much do I owe?

    Keep track of what you owe

    Credit cards, loans, instalments and money you lent or borrowed, each with its due date. For a card, see which payday covers each payment, and check the credit left against your bank’s app.

  • Is anything due soon?

    Remind you before money is due

    A notice ahead of a bill, a card due date or a loan payment, so it does not surprise you.

  • Do I have to type everything?

    Save you some typing

    Bring in bank alerts you choose to share, a spreadsheet from another app, or a statement your own AI app reads for you. You check each item before it counts.

Optional: bring your own AI

Let the AI you already use help with the bookkeeping

Connect Claude, ChatGPT or Grok from Settings. It reads in your own AI account, so TrackXpense never sees your chats. You choose what each app may do, and you can disconnect it at any time.

  • Statements, read for you.

    Share a bank or card statement in your AI app. TrackXpense shows a preview, leaves out duplicates and transfers between your own accounts so nothing counts twice, and saves nothing until you say yes. You can undo it.

  • Ask about your money.

    What is safe to spend until payday, what is due, how your budgets and goals are doing, or roughly how much you will have by a date. Answers come from your own records, and estimates say so.

  • Keep your records in order.

    Set up your pay and bills, mark them paid, or compare an account with its statement. Changes, removals and balance corrections wait for your approval in TrackXpense.

Fits local money habits

Built around how you actually get paid

  • Your local currency and time zone by default.
  • Flexible pay cycles: monthly, every two weeks, or twice a month, such as the 15th and the last day (kinsenas and katapusan).
  • Local public holidays, so paydays and due dates shift the right way.
  • Local banks and e-wallets.

Launching first in the Philippines. More countries to follow.

Want to try it now?

The early web version is open. Sign up with your email and add your first expense.

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From on track to further ahead

Organised money leaves room to grow

Seeing your money clearly is the first step. Here is where it can lead. What you save, and what it becomes, is always up to you.

  1. Step 1

    On track

    Every payday, bill and purchase lands in its place, so you can see where your money goes and what is coming next.

  2. Step 2

    Saving more

    Knowing what is safe to spend until your next payday makes it easier to set a little aside each time, and watch it add up. What a budget leaves over can go straight into savings, with or without a target.

  3. Step 3

    What it grows into

    What you set aside can build a safety net, cover your family’s needs and still leave room for some fun. Say yes to the trip, without wrecking next month. TrackXpense keeps the record; it never moves or invests your money.

Your money stays yours

What TrackXpense will never do

  • It never moves your money.

    It records payments you make. It does not pay, send or transfer anything for you.

  • It never asks for a bank password.

    No bank or e-wallet password, PIN, one-time code or full card number, ever.

  • It never guesses an amount.

    If it cannot read an amount, it says so and asks you. It does not save a zero.

Good to know

Common questions

Something else on your mind? Email hello@takeitthru.com.

Is TrackXpense free?

Yes. It is free to use while it is in early testing.

Do I need to connect my bank?

No. You add entries yourself, or bring in bank alerts, spreadsheets and statements you choose to share. TrackXpense never asks for a bank or e-wallet password, PIN or one-time code.

Can I use my own AI app with it?

Yes, if you like. In Settings you can connect Claude, ChatGPT or Grok. It reads a statement you share in your own chat, and TrackXpense shows a preview first. Nothing is saved until you say yes, and you can undo it. Without an AI app you can still add entries by hand or import a file.

What can a connected AI app see?

Only what you allow. To answer you, it can read your accounts, transactions, bills, budgets and goals. It can add statements and expenses, or keep your records up to date, only if you turn those on. It never gets your sign-in, and you can disconnect it at any time. What the AI company does with your chat is under your own agreement with it. The privacy notice has the details.

Can TrackXpense pay my bills for me?

No, and that is on purpose. It records the payments you make and reminds you before a due date. It never moves your money.

Where can I use it?

On the web, in the browser of your phone or computer. There is also an Android app in early testing. An iPhone app is planned.

What happens to my records?

They are yours. In Settings you can export them, and you can delete your account and everything in it.

What does “early version” mean?

You can use it today, and we are still improving it, so some things will change. If something is missing or wrong, tell us at hello@takeitthru.com.

Ready when you are

Start in three steps

  1. Sign up with your email

    We email you a code to sign in. No bank login is needed.

  2. Add your accounts and your payday

    Cash, bank, e-wallet or card, and the days your pay arrives. A short guide walks you through it.

  3. Add what you spend

    A few taps for each expense. TrackXpense keeps the totals, the due dates and what is safe to spend.

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