Paise ka hisab karna mushkil kyun lagta hai — aur kyun nahi hona chahiye
The problem was never the math — it is that traditional hisab happens in three places: kharcha in one app (or a diary), udhaar in your head, and the budget in a spreadsheet nobody opens after January. When the full picture is scattered, month-end always brings the same surprise, and the surprise is never pleasant.
A money tracker earns its keep by putting the whole picture in one place and making the entry fast enough that you actually keep at it. Trackly's bar is simple: writing down a spend should take less time than paying it did. Type "auto 150" and it is done; tell the AI "momo 70 rupaye kharcha hua, add kar do" in the same Hinglish you think in, and it is done — with the reply in Hinglish too.
Daily kharcha — 5 second ka rule
UPI ne paisa udana 2-tap bana diya; likhna usse tez hona chahiye. Quick Add parses amount and category automatically, so "petrol 500" is a complete entry. Spend a minute at day-end and the whole day is logged; skip a week and the AI's "aaj kitna kharcha hua?" still answers from whatever you did log — no guilt screens.
| Aap likho / bolo | Trackly karta hai | Time |
|---|---|---|
| "chai 20" | Kharcha saved, category auto | ~3 sec |
| "momo 70, biryani 78 add kar do" | Do entries ek saath | ~4 sec |
| "aaj kitna kharcha hua?" | Aaj ka real total reply mein | ~3 sec |
| "kisko paise dene hain?" | Udhaar ledger se jawab | ~3 sec |
Monthly budget jo category-wise dikhaye — total ka aadha sach hota hai
"Is month ₹12,400 nikal gaye" is information; "usme ₹3,100 food delivery tha" is a decision waiting to happen. Set a monthly budget once, and Trackly's day/week/month/year reports break it down by category so the leak is visible while the month can still be saved — not in a post-mortem on the 1st.
- Monthly budget with category-wise breakdown
- Daily, weekly, monthly and yearly reports
- Budget alerts in the notification center before the month gets away
Udhaar ka hisab — kisko dena hai, kis se lena hai
Borrow/lend is where most money tracking quietly fails, because udhaar lives in nobody's system. Trackly keeps a proper ledger: lent ₹1,500 to Rohit with a due date, borrowed ₹200 from Priya — each with partial-payment support (Rohit paid ₹1,000 back? The balance updates, not resets). Net balance shows exactly where you stand overall.
When friends are involved beyond one-on-one, the group-split engine handles flat rent, mess bills and trips: add ₹6,000 hotel, split equally, everyone's balance updates live with settle-up suggestions — no end-of-trip spreadsheet session.
Shopping list se spend tak — ek continuous flow
Real spending starts as an intention (" headphones chahiye"), and Trackly connects the whole chain: add it to the shopping list with a price, mark it purchased — it becomes tracked spend automatically, with a return-window reminder so the 14-day window does not silently expire. Money tracking that starts before the payment does.
Hinglish AI assistant — jaisa sochte ho, waisa likho
The assistant detects your language per message: Roman-script Hinglish in, Hinglish reply out — "✅ Momo ₹70 add kar diya! Aaj ka kharcha ab ₹148 hai" — and plain English gets a clean English reply. It acts on your real data (entries, ledger, calendar), which makes it a money assistant rather than a chatbot. Free tier includes 30 AI messages a day; manual entries are unlimited.
Privacy by design — koi bank SMS access nahi
Automatic SMS-reading apps are convenient and they fund themselves on your messages (OTPs included). Trackly reads nothing automatically — every entry is yours, typed or spoken — so the app needs zero access to your financial messages. Full expense tracker details, comparisons and the honest trade-off discussion live on the expense tracker page.
30 second mein start karo
Free account (email ya Google) se cloud sync on — phone badlo, data wahi milega. Export CSV/JSON kabhi bhi, Settings se.
- 1.Safari (iPhone) ya Chrome (Android) mein trackly.today kholo — app store ki zaroorat nahi.
- 2.Share → Add to Home Screen (iPhone) ya Install (Android) — real app jaisa install, offline chalega.
- 3."chai 20" type karo. Ab aap paise ka hisab track kar rahe ho.