Help center
Every common question, answered
A single page with every FAQ across the product, grouped by topic. Use Cmd/Ctrl-F to jump straight to a phrase.
Getting started
Open topic →Is Extrack free?
New accounts get 30 days of full VIP access with no credit card. After that, continued writes need a Premium or VIP subscription — see /plans.
From: What is Extrack?
Do I need to give bank credentials?
No, ever. There is no integration with any bank or aggregator.
From: What is Extrack?
I want to use my real bank, not Cash.
Add the bank from the Accounts page first (see "Set up your accounts"). Then the new-transaction picker will list it.
What if I picked the wrong kind?
Open the row from Transactions, tap Edit (pencil) and switch the kind. Or Delete (trash) and recreate.
Can I rename or delete the starter accounts?
Yes — they are not protected. Edit "Cash" to "HDFC Savings" if that is more useful, or delete it if you have no cash flow and only use bank accounts.
Why Mutual Funds and not just Cash?
Most users have at least one investment they want to track from day one. Pre-creating it shortens the path to a meaningful net-worth number.
Should I add my UPI as a separate account?
No. UPI uses your bank balance. Add the underlying bank only.
From: Set up your accounts
Do I need to know accounting to use Extrack?
No. You pick the kind and accounts; Extrack handles the debits and credits.
What if Home is empty for me?
Brand-new accounts show empty cards because there are no transactions yet. Add an account and a transaction; the cards populate.
From: Tour of the Home page
I dismissed the welcome — can I see it again?
It does not auto-reappear. The same content is captured in this help category.
Why is Extrack not in the App Store / Play Store?
PWAs install from the browser with the same look-and-feel as native apps — no app-store review delay, no platform revenue cut.
Transactions
Open topic →Can I add an expense in the past?
Yes. Tap the Date field and pick any prior date. Extrack stores the ledger in chronological order regardless of when the row was created.
Do I have to pick a category?
No. The field is labelled "Categories (optional)". Uncategorised expenses still post; you can edit later to add categories.
Why is there a "Not a need" checkbox?
It marks the expense as a discretionary spend rather than a need — used to refine budget analysis. It is shown only on Expense kind.
Will adding an expense affect my budget?
Yes. Every expense counts toward the monthly overall cap, and toward any per-category cap on a category you tagged. Transfers between your own accounts do not — see "Expense vs Income vs Transfer".
Does income count toward my monthly budget?
No. Budgets track outflow only. Income posts to the ledger and account balance but never consumes any cap.
How do I record a refund — Income or negative Expense?
Use Income with a Refunds category. That keeps the original expense honest and the refund visible separately on Reports.
Can I tag people on Income too?
Yes. The People field is present on Expense and Income. Tagging a person on income with the split flow settles their "Lent" receivable — useful when a friend pays you back.
Why is transfer excluded from my budget?
Transfers move money you already own — net worth is unchanged. Counting them would double-count: once when you received the money, once when you moved it.
How do I record a credit-card payment?
Transfer kind. "Paid from" = your bank, "Paid to" = the credit-card account. The bank drops by the payment; the card balance moves closer to zero.
What if the receiving account got slightly less because of a fee?
Set the Credit amount to what actually landed. Then record the fee as a separate Expense from the source, categorised "Bank charges".
Can I transfer between two different currencies?
Yes — enter the Debit amount in the source-account currency and the Credit amount in what actually landed. Reports flags mixed-currency totals; it does not auto-convert.
How do I split unevenly?
In the Adjust split tab, pick "By amount" and type each person's exact share. Or use "By %" or "By shares". The running total at the bottom turns green when the shares sum to the bill total.
Does a split create a separate loan account?
Yes — one "{Person}'s Lent" receivable account per person, created the first time they appear in a split or lend. View under Accounts → "Lent" filter pill.
What if I forget to add someone?
Open the row on Transactions and tap the pencil/Edit action. Add them in the People field, accept the split invite again, save. The receivables rebalance.
Does my share count toward my budget?
Yes. Only your share — the non-self shares post to receivables, not categories, so they do not consume budget caps.
I want to split among others only — not include myself.
In Equally mode, uncheck the "You" checkbox. Your personal share becomes zero; the full total is owed back to you by the other participants.
Does lending count as spending?
No. The amount posts to the person's receivable account, not to a category — so budgets and category Reports do not include it.
From: How to track lending (lend money + record a repayment)
Where do I see who owes me what?
On the People page. Each person card shows their net balance (positive = owes you). Tap to see the full activity feed.
From: How to track lending (lend money + record a repayment)
They paid me in cash — does the receiving account matter?
It matters for your cash account balance, not for the receivable. Pick the actual receiving account (cash or bank); the receivable closes regardless.
From: How to track lending (lend money + record a repayment)
What if they never pay back?
Write off the balance: see "How to write off a person balance". The receivable closes with the loss posted as an Expense (categorise as "Gifts" or "Bad debt").
From: How to track lending (lend money + record a repayment)
Can I lend in installments?
Yes. Each installment is its own Expense + split with that person. They roll up into one People balance.
From: How to track lending (lend money + record a repayment)
Can I change the kind (e.g. Expense → Transfer)?
Yes. Change the kind in the modal, fill in any kind-specific fields (the Transfer kind requires both legs) and save. Extrack rewrites the underlying allocations.
I edited a split — what happens to the receivables?
They rebalance automatically. Add a person and their receivable opens; remove a person and theirs closes. Adjust a share and their balance moves by the delta.
Can I duplicate a transaction instead of editing?
Yes — tap the Duplicate (copy) action next to Edit. A new draft opens with the same values; change the date and save to create a duplicate row.
Can I convert a transaction into a recurring template?
When the row qualifies, a Convert to recurring action shows next to Edit. Tap to open the Recurring template form prefilled with the row's values.
Can I undo a delete?
No. Extrack deletes are permanent. If you deleted by mistake, re-create the row (Duplicate action on a similar row is the fastest path).
Why does the confirm dialog show different counts for stored transactions and table rows?
Because a split is one stored transaction but renders as multiple rows (one per allocation). The dialog shows both counts so you can verify your selection.
Can I bulk-delete from a filtered view?
Yes — apply the filter, tap the checkbox on each visible row (or use the page-level select-all if shown), then Delete. The selection bar shows live totals so you can sanity-check before confirming.
Why does the totals strip change when I filter?
Totals always reflect the visible scope. The strip appends " · filtered" or " · partial list" so you know it is not the lifetime total.
Income and Expense presets — do they include splits?
Yes. The chips filter by the underlying transaction kind. Splits on an Expense show under Expense; settled splits on an Income show under Income.
How do I filter by person?
Open the People page and tap a person — that takes you to their activity sub-page, a pre-filtered ledger of every transaction tagged with them.
How do I filter by account or category?
Same pattern — open the Accounts page and tap an account, or the Categories page and tap a category. Each opens an activity sub-page with the same preset chips scoped to that entity.
Can I tag more than one person?
Yes. The field accepts any number of comma-separated names. Each becomes its own row in the Adjust split panel when you set up a split.
How do I un-tag someone?
Edit the transaction, remove the name from the People field (delete the chip / text), save. If they had a receivable from this transaction, it closes.
What is the People directory?
It is the address book of names you have used. Edit it from the People page — clean up duplicates, rename, or remove orphaned entries.
Can a transaction have more than one category?
Yes — the field is multi-select. Each tagged category counts the full transaction amount toward its rollup (not split across categories).
Why is the "Unknown" category showing spend?
Anything you save without picking a category lands in Unknown. Edit the rows to assign a real category, or bulk-re-categorise from Transactions.
Can I delete the Unknown category?
No. Unknown is a system category that protects rows from being orphaned when you delete a custom category.
How do categories affect Budgets?
Per-category caps in Budgets count only transactions tagged with that category. The overall monthly cap counts every expense regardless of category.
What is the difference between statement day and payment due day?
Statement day is when the bank closes the billing cycle. Payment due day is the deadline to pay without interest (usually 15–20 days after statement). Both feed the dashboard "due in N days" warnings.
I paid less than the full statement — what next?
Record the partial payment as a Transfer for what you actually paid. The unpaid balance stays on the card; interest charged next cycle posts as an Expense from the card.
Can Extrack auto-import card transactions?
No. Extrack is deliberately user-entered — no bank login, no third-party access. Manual entry keeps your credentials and statement data on your devices.
Salary comes via bank transfer — is it Income or Transfer?
Income. Transfer means both accounts are yours. Your employer is outside your books, so salary is Income — even if the channel is a bank transfer.
From: Expense vs Income vs Transfer — what is the difference?
Is a credit-card payment an Expense?
No, it is a Transfer. The original purchase was the Expense.
From: Expense vs Income vs Transfer — what is the difference?
I got a refund — Income or negative Expense?
Income with a Refunds category. Keeps the original expense honest; Reports shows both.
From: Expense vs Income vs Transfer — what is the difference?
How are budgets affected by each kind?
Only Expenses consume budget caps. Income and Transfer never affect Budgets.
From: Expense vs Income vs Transfer — what is the difference?
Does this mean my expense total is wrong?
No. Money totals (income/expense/net) are calculated by stored transaction, not by row. The display shows multiple rows for clarity; the math counts each transaction once.
Can I collapse splits to one row?
Not currently. Most users want per-person visibility because they need to see who owes what.
Editing one leg of a split — does it edit the whole split?
Yes. Splits are atomic — editing any leg opens the full split editor (Adjust split tab). Shares rebalance together; to change one person's share without touching others, use the "By amount" split mode and edit only their value.
Do I need to know accounting to use Extrack?
No. You pick the kind (Expense / Income / Transfer) and the accounts; Extrack writes the debits and credits behind the scenes. The terminology never appears in the UI.
Why does my receivable show as an "account"?
Because it acts like one — money has temporarily left your bank and is sitting with the person. Treating it as a per-person Lent account keeps the math consistent and makes balances easy to see.
Can I export the underlying double-entry rows?
The export (Profile → Portability) gives you every transaction with its kind and account references. Debit/credit columns are implicit from the kind — they are not stored as separate fields.
Accounts
Open topic →What is the "Lent" filter pill?
A synthetic chip next to the Loan type filter that narrows the list to per-person Lent receivables only (Loan accounts named "{Name}'s Lent" that were auto-created from splits/lends). Useful for a quick "who owes me what" view.
From: Account types explained
Can I change an account type later?
Yes — edit the account and pick a different type. Transactions stay; type-specific fields update.
From: Account types explained
Can I import history from my bank?
No — Extrack is user-entered. Set the opening balance to whatever the bank shows today and log forward from there.
Is there a limit on number of accounts?
No hard limit. Most users have 3–15.
Changing the opening balance — does it affect existing transactions?
No. Transactions stay; the current balance shifts by the delta. Use this to fix a setup mistake.
From: How to edit an account
Why can I not toggle "Closed" on a brand-new account?
The "Mark this account as closed" checkbox only appears in Edit mode (not Create) — there is no reason to create a closed account.
From: How to edit an account
I got it wrong — can I fix it?
Yes. Edit the account and change the opening-balance field. The current balance recomputes; transactions are untouched.
From: What is an opening balance? (And why the label changes)
Why "Credit limit" for credit cards?
For credit cards, the more useful starting reference is the limit. Your owed balance is tracked via posted Expenses; the field labels the cap, not what you currently owe.
From: What is an opening balance? (And why the label changes)
Why does my current balance differ from the bank app?
Usually: unposted transactions you have not logged, or rows logged as the wrong kind (e.g. credit-card payment as Expense instead of Transfer). See "Why is my account balance wrong?".
From: What is an opening balance? (And why the label changes)
My card has no annual fee — leave the field blank?
Yes. Set Annual fees to 0 (or leave blank). No recurring template is created.
How do I record the bill payment?
As a Transfer from your bank to the credit-card account. See "How to track credit-card purchases".
Does Extrack calculate EMI?
No — the interest-rate field is informational. Use /tools/emi to compute the EMI; set the EMI itself as a monthly Recurring template.
From: How loan accounts work
Why does my loan balance not drop when I post the EMI?
Because the EMI is partly interest (Expense from the loan account) and partly principal (Transfer to the loan account). Split the EMI into both legs.
From: How loan accounts work
Why no live prices?
Live FX/price feeds need a third-party service. The privacy-first design avoids that. Manual updates take 30 seconds per quarter.
One account per fund, or one per AMC?
Either works. Per-fund gives finer gain/loss tracking; per-AMC is simpler. Most users go per-AMC (one for HDFC funds, one for Axis, etc).
Close vs Delete — which one?
Almost always Close. Delete is permanent and removes every transaction posted to or from the account. Close preserves history.
Can I re-open?
Yes. Edit, untick "Mark this account as closed", save. The account is back in pickers immediately.
Can I delete the Cash account?
Yes if it has no transactions and at least one other account exists. Cash is a starter account but is not protected.
From: How to delete an account
What about per-person Lent receivable accounts?
Those are auto-created. Delete them by removing the underlying transactions (the lends/splits) — the receivable closes automatically when its source is removed.
From: How to delete an account
Why is "Lent" a separate chip if Loan exists?
Loan covers both borrowed and lent. "Lent" filters Loan accounts down to just the per-person receivables auto-created from splits/lends — useful for a quick "who owes me what" view.
Credit card balance too high — bank shows zero.
You probably logged purchases as Expenses but forgot to log the bill payment as a Transfer. Add the Transfer from your bank to the card.
Cash account shows wrong amount.
Usually unrecorded cash spends, or an ATM withdrawal logged as Expense instead of Transfer (bank → cash).
Categories
Open topic →Are categories hierarchical?
No — Extrack uses a flat list. Use prefixes if you want grouping ("Food: groceries", "Food: eating out").
How many categories should I have?
Most users settle on 10–20. Too many makes the multi-select picker slow.
Can I set an icon or color?
No — the only field is the name. Categories stay visually consistent across the app.
From: How to create a category
How do I rename a category later?
Categories → tap the category → Edit → new name → Save. Every transaction tagged with it updates automatically.
From: How to create a category
Can I edit the "Unknown" category?
No. It shows a "System" badge in place of edit/delete actions — it cannot be renamed, deleted or capped.
From: How to edit a category
Will renaming break a per-category budget cap?
No. The cap stays attached to the category id, just with the new label.
From: How to edit a category
Where do the transactions go?
Anywhere that category was tagged, the tag drops. Transactions still exist; they just become uncategorised (rolled up under "Unknown" until you assign a new category).
From: How to delete a category
Can I delete "Unknown"?
No. It is a system category, protected from delete (auto-filtered from any bulk selection).
From: How to delete a category
Why can I not set a budget cap on Unknown?
A cap on "stuff I have not classified yet" would not be actionable. Re-categorise the rows; do not cap the bucket.
How do I clear Unknown?
Open the category, see the rows, edit each one (or open them from Transactions) and add a real category.
Where are the on-track / over-budget pills?
Those live on the Budgets page, not Categories. Categories shows raw rollup numbers; Budgets shows status against your caps.
Can I add an icon or color from the quick-create form?
No — the quick-create form only has the name field, same as the full Categories page.
Should Salary be a category?
Yes — categories work for income too. Income categories drive the Reports Income totals the same way expense categories drive Expense.
Budgets
Open topic →Why is Budgets blocked on Free / Premium?
Budgets is a VIP capability. The Free trial includes VIP for 30 days; after that, Premium and Free see an upgrade gate ("See plans" / "Plan & billing").
Do per-category caps need to sum to the overall cap?
No. They are independent ceilings. The Budgets page explicitly notes: "Overall is an independent ceiling — it does not need to equal the sum of category caps."
How is "Per day to land at cap" calculated?
Remaining cap ÷ days left in month. Tells you the daily allowance for the rest of the month if you want to hit exactly your cap.
I am over my cap — what happens?
Nothing automatic — Extrack does not block transactions. The status pill flips to "Over cap" in rose, and the card shows "Over by ₹X". Caps are feedback signals, not guardrails.
Can I cap "Unknown"?
No — server-side validation rejects it. The Unknown system category is protected because capping uncategorised spend is not actionable.
Why is my category not in the Uncapped list?
Either it already has a cap (look in Capped categories above), or there is no spend in it this month so it does not surface.
Does going over affect anything else?
No. It is a visual flag — transactions still post, the dashboard still shows balances. Reports highlights months where you went over.
From: What "Over cap" means
I am over because of one large transaction.
Sanity-check whether the transaction belongs in this category. A one-off big purchase in the wrong category skews the rollup.
From: What "Over cap" means
Can I set different caps in different months?
Not from the UI today. Caps repeat across months at the same amount. (A repeating vs one-off-override mechanism exists in the data model but is not exposed in the Budgets UI yet.)
Can I look at last year?
Yes — keep tapping the ‹ chevron. Past months show the cap that applied with the actual spend.
Will past months still show the cap?
Past months preserve the cap that applied then, for historical fidelity. Forward from this month, no cap.
How many caps should I set?
Start with the overall cap plus 2–3 of your biggest categories (typically Food, Subscriptions, Transport). Add more once those are stable.
Planned & recurring
Open topic →Can I convert a planned item to recurring?
Not in one click. Create a recurring template fresh — it is two minutes — and delete the planned item.
Can a planned item override a single recurring occurrence?
The data model allows it (via `recurringTemplateId` + `recurringOccurrenceDate`), but the UI does not currently expose an "Override this occurrence" button. The linkage happens server-side during approval flows.
What if the planned item never happens?
Tap Delete on the row from the Planned page. Removed permanently.
Can I edit a planned item before it is posted?
Yes — tap Edit on the row. Change any field, save. See "Edit a planned item".
Can I post in advance?
No. Posting only works when the scheduled date is today or earlier. Edit the row to change the date, or wait.
I posted by mistake — undo?
No undo. Delete the now-posted transaction from Transactions and re-create the planned item.
Can I change the date to today and have it auto-post?
No. Even with today's date, posting is explicit — tap Post. This protects against accidental ledger churn.
Can recurring templates auto-post without approval?
Not currently. Approval is explicit — protects against template drift (e.g. salary changed and the template still has the old amount).
Can I create a recurring template from an existing transaction?
Yes — when the row qualifies, a "Convert to recurring template" action appears next to Edit on the Transactions row. One tap opens the recurring template form prefilled with the row's values.
What if multiple occurrences are due?
They each appear as separate Due rows. Approve each (or use the Reject action to skip one without posting).
What if the actual amount differs from the template (e.g. salary bonus)?
Edit the row before approving — change the amount, then Approve. The template itself stays unchanged for next month.
Can I un-reject later?
No. If you rejected by mistake, post the equivalent transaction manually via the floating + button.
Does Reports show rejected occurrences?
No — they never posted, so no transaction exists. Reports shows only posted months.
Why are past occurrences not updated?
Past occurrences are now Transactions — independent rows. Editing the template would silently rewrite history; that would break Reports. Edit the individual rows on Transactions if you need to.
From: How to edit a recurring series (or a single occurrence)
Why is frequency locked on "This occurrence"?
Changing frequency only makes sense for the whole series — a single slot does not have its own cadence.
From: How to edit a recurring series (or a single occurrence)
What are "linked planned overrides"?
A planned item that was created to override a single recurring occurrence is "linked" via the recurringTemplateId field. Deleting the template removes those overrides too — they no longer have a series to override.
What if I deleted by mistake?
Recreate the template from scratch. Two minutes; same recurring behaviour resumes.
Why does the action not show on every row?
It only shows when the row qualifies — splits, lent receivables and certain edge cases are not convertible.
Does converting move the original transaction?
No. The original stays on the ledger; a new recurring template is created with the same values. Future occurrences post separately when you approve.
People & lending
Open topic →Why does the same person show up twice?
Probably typed under two slightly different names ("Rahul" and "rahul k"). Open one, rename to match — the rename merges the entries.
A person shows zero — should I remove them?
Optional. They are hidden by default when "Hide zero balance" is on. Remove from the directory only if you are sure you will not transact with them again.
Why is my balance off by a small amount?
Probably a cash repayment never logged, or a recent split edit. Tap the person to see the full activity feed and find the missing/changed row.
Can I create a "Lent" account manually?
Yes — when you create a Loan account, the form has an optional "Lent receivable — link to person" field. Set it to link a manually created Loan to a person from your directory. Useful for migrating balances from another tracker.
What happens to the Lent account when I delete the person?
Removing a person from the directory updates how they appear in the directory; transactions stay attached via id, and the Lent account stays until you remove the underlying transactions.
Do I need an email or phone number?
No. The directory is just names. No contact details, no phone-contacts integration.
How do I deliberately merge duplicates?
Rename one entry to match the other exactly — validation detects the duplicate and gives you the option to merge.
Will my balances change?
No — receivables stay on the underlying Lent accounts. Removing the directory entry is a naming-only change.
What about partial settlement?
Adjust the amount on the prefilled draft before saving. The remainder stays on the Lent receivable.
I want to write off a balance — there is no Write off button.
Correct. Extrack does not have a separate write-off action. The pattern is: post an Expense from the Lent receivable to an "Bad debt" or "Gifts" category — closes the receivable while recording the loss.
Can I sync with their workspace?
No. There is no "share workspace" with a friend feature. Reconcile by reviewing your activity feed together once and fixing any mismatches in your own ledger.
Reports
Open topic →Why exactly 12 months?
Long enough to spot trends, short enough to fit on a phone screen without scrolling. Past 5 covers the last quarter+ for hindsight; next 6 covers the planning horizon most users actually act on.
Can I see further back?
Yes — change the anchor month using the "Anchor:" date control. The 12-month window shifts to centre on that month.
What counts as expected?
Recurring template occurrences with a due date in the month, plus planned items scheduled for the month. Both not yet approved.
A month shows expected ₹0 — why?
No recurring or planned items fall in that month. Either you have no schedules for the period, or you already approved them and they moved to posted.
Is a credit-card payment Planned or Unplanned?
Neither, if recorded correctly. Credit-card payments are Transfers, which Reports excludes from spend totals. The original purchases (Expenses) are what count.
What if I forgot to approve a recurring template?
That occurrence shows under the Expected section, not Posted. Approve from the Recurring page to move it to Posted; the drill-down updates.
Empty when I pick a kind — why?
No rows of that kind in the visible window. Extrack shows "No {kind} rows here." Try a different anchor month or remove the filter.
From: Kind filters in Reports
How do I return to "now"?
Set the anchor month back to the current month using the picker.
From: Change the anchor month
Are these the same as Reports?
No. Reports gives the 12-month time-scoped roll-up. Activity drills give the raw transaction list for one specific entity, with the same preset chips and bulk-edit affordances as Transactions.
Why no auto-conversion?
Live FX rates need a third-party feed and pick a moment in time that is rarely accurate for retrospective reporting. Manual entry stays honest and auditable.
Can I export reports without VIP?
Export of the full workspace is available via Profile → Portability → "Download backup file" on any plan. That gives you the raw transactions; building reports outside Extrack is up to you.
Is the free trial VIP?
Yes. Every new account gets 30 days of full VIP, including Reports.
Automation & AI
Open topic →Does Claude see all my transactions?
No. Claude only sees the metadata needed to create a draft — account names, category names, person names. No balances, no transaction history, no totals.
Can MCP work with other AI assistants?
Yes — MCP is an open protocol. The Extrack MCP docs at /docs/mcp explain the connection URL and OAuth requirements; any MCP client that supports OAuth 2.0 should work.
Where exactly do I find the connection URL?
On /docs/mcp. The URL varies by operator (we self-host); the page lists the canonical Extrack-managed URL plus the redirect URLs Claude.ai requires.
How do I disconnect Claude?
In Claude integrations → Extrack → Disconnect. The OAuth token is invalidated and no more drafts can be created until you reconnect.
Can I edit a draft before promoting?
Yes — open the draft, tweak fields, then "Add to ledger".
From: The Automation inbox
I see "Automation inbox unavailable" — why?
Your plan does not include the automationInbox capability. The unavailable card body reads: "Your workspace doesn't include the automation inbox capability (MCP / staged drafts). Contact your administrator if you need access." Upgrade to VIP (or use the 30-day trial) to enable.
From: The Automation inbox
Why does the page show a "Loading workspace data…" toast?
The on-device suggestion logic needs your accounts/categories/people loaded. Wait a moment, then try again.
From: How to approve a draft
Can I un-discard?
No. Discards are permanent. If you discarded by mistake, re-prompt Claude with the same instruction.
From: How to discard a draft
Why did the suggestion miss?
On-device matching is conservative — it only suggests when confidence is high. Ambiguous drafts show no suggestion; pick manually.
Can I improve suggestions?
They improve as your directory grows. Cleaner category and person names = better matches. Avoid duplicate-ish entries.
Can I revoke Claude's access?
Yes — disconnect the MCP integration in Claude. That invalidates the OAuth token and stops further draft creation.
From: How draft privacy works
Can Claude post directly without my approval?
No — every draft requires an explicit "Add to ledger" tap in the Automation inbox.
Family (kids)
Open topic →When does Family launch?
No firm public date. Waitlist signups get the launch email and any early-access invites.
What ages is this for?
Children aged 8 to 17. The waitlist asks for the child's first name and age so invites can open in age bands.
Will this also be for couples / partners?
Not currently. The Family product is specifically about kids learning money. Couples-shared workspaces are not on the roadmap as of this writing.
Why does the form ask for my child's age?
So invites can open in age bands. The waitlist segments by age to align with the planned UI for that band.
Can I add multiple children?
The hero references "One plan, all your kids — Add up to 3 children" at launch. The waitlist form takes one child per submission; submit again for additional children once they confirm signups are de-duplicated.
Does this exist today inside the main Extrack app?
No. Today, the main Extrack app is single-user only. The Family-mode flow above is the planned launch experience.
Plans & billing
Open topic →Does Premium get the Claude MCP integration?
No. The Automation inbox (MCP) is gated by the `automationInbox` capability, which is on VIP and the 30-day VIP trial only.
Can I downgrade VIP → Premium?
Open Profile → Plan & billing → View plans. From /plans you can switch plans.
Can I extend the trial?
Not normally. Email support if you have a specific reason (e.g. you are mid-setup of a complex workspace).
Does the trial recur on the same account?
No — one trial per account.
Can I switch between Premium and VIP?
Yes. From /plans, pick a different plan. Charges prorate.
Is the checkout in the app or external?
Razorpay's checkout opens within the page flow. We never see your card details — Razorpay tokenises everything.
Will I get a refund for the unused portion?
Within 7 days of payment, yes — see the 7-day refund policy. After 7 days, cancellation stops the next charge but does not refund the current cycle. Use the remaining days, then revert to Free.
What happens to my data?
Stays read-only on Free. Download a backup any time via Profile → "Security & data" / Portability section.
How do I request a refund within 7 days?
Email support with the order ID. Refunds are processed via Razorpay back to the original payment method.
From: 7-day refund policy
I was charged twice — what now?
Email support with the transaction IDs. Duplicate charges are refunded.
From: 7-day refund policy
I subscribed by accident and have not used the paid features.
Within the 7-day window the refund is unconditional. Just email support.
From: 7-day refund policy
Why Razorpay?
India-first, supports every domestic method, PCI-DSS compliant.
From: Accepted payment methods
Can I pay in USD / EUR / GBP?
Billing is in INR. Your card issuer converts at the prevailing rate.
From: Accepted payment methods
Is there a fair-use cap on the API/MCP?
Yes, rate limits apply to prevent abuse. Normal Claude usage never trips them; if it does, you get a 429 with retry-after.
Privacy & data
Open topic →Will Extrack ever add bank linking?
Unlikely. The privacy posture is core to the product. If we ever do, it would be opt-in.
How do I keep up with transactions then?
Log on the spot — the floating + button is one tap from any page. For automation, connect Claude via MCP (VIP) and dictate the row.
Is data residency disclosed?
The privacy policy does not state a specific AWS region. Security and infrastructure claims live in SECURITY.md, linked from /privacy.
Is the backup file encrypted?
The transport is encrypted. The file on your disk is plain JSON for portability — keep it somewhere safe.
How often should I back up?
Monthly for casual use; weekly for heavy use. Backups are small — typically well under 1MB.
Will Replace lose my current data?
Yes — that is the point. Replace wipes the current workspace before restoring. If you want to keep both, download a backup of the current workspace first.
Why mailto and not an in-app button?
Manual review reduces accidental deletions. The email gives you a checkpoint to confirm.
Can I undo a deletion request?
Yes — reply to the email thread before the request is processed.
Do you train any model on my data?
No. The MCP integration with Claude sends only metadata (account names, category names, person names) Claude needs to create drafts — and only at request time, not as training data.
Can I take my data with me?
Yes — "Download backup file" in Profile gives you a full JSON. Restore on any device.
Is there a public analytics opt-out toggle?
The Profile → App preferences panel includes a "Staff analytics opt-out" section, but it is currently surfaced only to staff/admin/marketing-tools accounts. End-user analytics is governed by the vendor settings disclosed in /privacy.
Are my transactions tracked?
No. Events sent to analytics vendors are anonymised and structural — "user opened budgets page", not "user spent ₹500 on food".
Where exactly is SECURITY.md?
Linked inside the privacy policy at /privacy. The privacy policy points to it for security-specific questions.
Is data encrypted at rest?
See SECURITY.md for the canonical statement. Generally: transport is HTTPS; database-level encryption follows AWS defaults.
Not here? Ask us.
If your question is not on this page, email hello@extrack.app. We log every new question and add the most-asked ones here.
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