GoodApps / Finance Tracker / Features
Finance Tracker — All features
Manage your accounts, spending, plans, debts, investments, and reports from a private local finance workspace.
Free and open-source. View source on GitHub.
Accounts & transaction ledger
- Account management — Create, edit, and archive cash, checking, savings, and credit accounts, with opening and current balances.
- Income, expenses, and transfers — Record and edit transactions, search and filter the ledger, and restore deleted entries.
- Categories and tags — Organize income and spending with categories, tags, payees, and notes.
- Split transactions — Divide one income or expense across multiple categories while keeping one transaction for reconciliation.
- Receipts and attachments — Keep supporting files with their transactions.
- Bulk ledger actions — Update categories, tags, or payee defaults and delete or restore selected entries, with undo for supported bulk actions.
- Statement reconciliation — Match selected transactions to a statement date and balance, review reconciliation history, and protect reconciled entries from edits.
- Account deep dives — Explore balance history, monthly cash flow, category spending, top payees, recurring items, goals, and recent activity.
Bank statements & transaction rules
- Bank import formats — Import CSV, camt.053 XML, OFX/QFX, and QIF statements.
- CSV presets and mapping — Use 25 bank presets or map your own columns, date format, delimiter, and signed or separate debit/credit amounts.
- Preview and duplicates — Review a dry-run import, identify duplicate entries, and select default categories before adding transactions.
- Transaction rules — Create ordered rules to normalize payees, assign categories, and add notes or tags.
- Rule preview and undo — Preview changes to imported or existing transactions and undo an applied rule batch.
Budgets & spending guidance
- Monthly category budgets — Plan category spending globally or for a specific account, then compare allocation with actual spending.
- Rollover budgets — Carry unused money or overspending into later months from a chosen starting month.
- Move budget money — Reallocate available money between categories without changing the transaction ledger.
- Safe-to-spend estimate — Estimate additional unbudgeted spending before payday after reserving recorded bills, budgets, credit debt, goals, and buffers.
- Personal spending settings — Choose spendable accounts, payday, emergency buffer, and additional protected savings.
- Explainable breakdown — Review each reserve, the payment list, calculation time, and assumptions behind the spending estimate.
Recurring payments, goals & forecasts
- Recurring transactions — Schedule weekly or monthly income, expenses, and transfers, choose intervals and end dates, and pause or resume rules.
- Post due items — Generate due recurring transactions and inspect upcoming occurrences and historical matches.
- Future plans — Record planned one-off transactions separately and post them to the ledger when ready.
- Cash-flow forecasts — Project balances over 30, 60, 90, 180, or 365 days, with daily views, monthly roll-ups, and potential shortfall alerts.
- What-if scenarios — Compare a baseline with alternative plans and budget overrides while keeping the real ledger intact.
- Savings goals — Track target-by-date savings and minimum balance goals, suggested contributions, progress, and projected breaches.
- Recurring deep dives — Inspect monthly and annual impact, projected occurrences, forecast effects, and matched ledger activity.
Multiple currencies
- Account currencies — Keep each account in its own currency and choose a reporting currency for summaries.
- Cross-currency transfers — Record separate source and destination amounts for transfers between currencies.
- Exchange rates — Enter dated manual rates or request an exchange-rate quote, and reuse saved quotes offline.
- Historical reporting — Use the saved conversion amounts for past transactions rather than changing history with today's rate.
Loans & debt repayment
- Loan tracking — Manage loan balances and terms, view payoff progress, and inspect projected repayment schedules.
- EMI payments — Link recurring installments, record a payment into the ledger, and review matched payment history.
- Debt payoff comparison — Compare avalanche and snowball repayment timelines across loans and configured credit balances.
- Repayment warnings — See when configured payments are too small to pay off a debt.
Investments & net worth
- Investment accounts — Track securities, holdings, purchase lots, and investment events, using manual prices.
- Investment performance — Review cost basis, realized and unrealized gains, performance charts, and portfolio annualized returns.
- Net-worth overview — Combine cash, investments, loans, and other assets and liabilities in one balance sheet.
- Other assets and debts — Record and revalue property, vehicles, valuables, private holdings, and personal debt.
- Wealth trends — Explore a 12-month net-worth chart, asset allocation, debt composition, and debt-to-asset measures.
Spending analysis & financial health
- Income and spending reports — Explore balances, monthly and custom-period summaries, cash-flow trends, and breakdowns by category, account, payee, or tag.
- Period comparisons — Compare arbitrary periods, inspect amount and percentage changes, and review spending seasonality.
- Payee directory — Find a payee and inspect spending trends, recent-period comparisons, categories, accounts, and recent transactions.
- Expense-creep watch — Review category and payee increases and changes in typical transaction amounts.
- Duplicate-charge candidates — Flag same-card charges with matching payee and amount within 48 hours for your review.
- Financial health audit — Review a quarterly scorecard covering savings, liquidity, debt payments, and net-worth movement, with suggestions and ledger drill-through.
Retirement & wealth milestones
- FIRE target — Estimate a financial-independence target from recorded spending and an adjustable withdrawal rate.
- Wealth trajectory — Explore projected investable assets using return and inflation assumptions, including contributions freed after loan payoff.
- Milestone tracking — Estimate progress toward Coast FIRE, the first 100k, becoming debt-free, and mortgage freedom.
- Retirement simulations — Explore 30-year simulated outcomes and representative Dot-com and financial-crisis stress sequences.
Tax summaries
- Investment gains — Review tax-year realized gains with short- and long-term holding classifications.
- Dividend summaries — Group dividends by investment-account tax treatment.
- Deduction buckets — Map spending categories into deduction groups, including split-category allocations.
- Tax exports — Export tax summaries as CSV or PDF.
Exports & PDF statements
- Filtered CSV export — Export transactions using the active search, dates, types, and category splits.
- Per-page PDF export — Save statements from app pages, honoring the current filters and detail views.
- Ten dedicated reports — Generate financial overviews, cash-flow trends, budget position and rollover, forecasts, scenario comparisons, goals, spending guidance, balance sheets, and portfolio reports.
- Report preview — Preview statements interactively, save them, and open the resulting files.
Notifications, privacy & backups
- Optional desktop alerts — Get reminders for recurring or EMI dues, overspent budgets, forecast breaches, planned items, passed paydays, and exhausted spending headroom.
- Alert controls — Choose lead times, snooze individual rules, and review the in-app notification log.
- Local finance data — Use the app offline and choose where your finance database is stored.
- Backup and restore — Back up your database, receipts, and settings; inspect a backup and confirm replacement before restoring.
- Interface scaling — Adjust the interface from 80% to 200% with saved settings and keyboard zoom shortcuts.
- Back navigation — Return to prior pages and account details using the back button, keyboard shortcuts, or a mouse back button.
Good to know
- Forecasts, spending guidance, retirement simulations, and financial health measures use your recorded data and chosen assumptions. They are planning estimates.
- Investment prices and other asset valuations are entered manually. Tax summaries use your classifications and are not a tax-filing service.
- Desktop notifications require the app to be running; Windows system notifications require an installed build.