Every account, one number.

See your real net worth,
across every account

Cash, cards, investments, lending — all rolled up. No bank login, no aggregator. You enter the data, Extrack does the math.

See my net worth — free

Full VIP free for 30 days · no credit card · cancel in one click

Early access — built and used in India

Data never soldNo bank login requiredEncrypted on our serversZero ads — everOnly you can sign inExport your data anytime

https://www.myextrack.com

UpcomingNext 30 days · Asia/Kolkata

Next 30 days

−₹26,400

Scheduled cash (in − out)

₹4,28,000

Est. net worth

₹91,000

Est. liquid

Rent · HDFC
Jun 1
−₹14,000
EMI · Bajaj Finance
Jun 7
−₹5,800
Netflix · Axis CC
Jun 12
−₹649
Salary · SBI
Jun 28
+₹62,000

+ 8 more · 4 planned · 4 recurring

Illustrative example — your Home shows live numbers from your workspace.

Home dashboard

See next month’s damage — before it hits.

Every planned bill and recurring payment, rolled up into one number — so you know if next month survives, before it begins.

People · Lent & owed

Stop doing the mental math on who owes you.

Log every split, every loan, every “I’ll pay you back.” Extrack keeps the running total — per person, always current.

https://www.myextrack.com

People

Sorted by balance · 12 in your ledger

Net owed to you

+₹73,480

Across 3 people

Arjun
2 IOUs · last May 8
+₹73,200
Neha
1 split · last May 12
+₹3,780
Saurabh
1 IOU · you owe
−₹3,500

Illustrative example — names and amounts are fictional.

https://www.myextrack.com

Home

Today · Asia/Kolkata

Net worth

₹73,84,206.40

Liquid

₹3,18,420.18

Month spend

₹84,520.75

Asia/Kolkata

Checking & savings

₹2,67,540.32

Investments

₹68,42,160.04

Credit cards (owed)

₹42,800.06

Illustrative example — your Home shows live numbers from your workspace.

Home · Net worth & accounts

Every account. One real number.

Salary account, savings, credit card, home loan, investments, money people owe you — Extrack adds it all up and shows your actual net worth. Not an estimate. What you entered.

Coming soon

What we're building next

Roadmap highlights — scope and timing can change; not a fixed ship date.

01
WhatsApp upload
Send spends or receipts from WhatsApp into Extrack so you can approve what becomes a real ledger row — less retyping, same encryption story.
02
AI statement uploads
Upload bank or card PDFs and statements; AI-assisted extraction proposes lines for you to review before anything posts.
03
Faster everywhere
Snappier screens and flows across the app so daily entry, approvals, and Home stay quick on real devices and networks.
04
Email reminders for upcoming transactions
Gentle nudges in your inbox for planned and recurring items that are due soon — optional, easy to tune, never spammy.
05
Dashboard to understand your expenses
Clearer views that answer “where did my money go?” with honest rollups and drill-downs tied to how you already tag the ledger.
06
MCP server support for your AI chatbots
Model Context Protocol integration so assistants can work with Extrack safely — summaries, prompts, and guardrails we define at ship time.

Why Extrack over alternatives?

Most finance apps require you to trust them with your data. Extrack doesn’t.

Skip the bank login
Extrack
Yes
Linked apps
No
Sheets
Yes
Your data is never sold
Extrack
Yes
Linked apps
Varies
Sheets
Yes
Track who owes you
Extrack
Yes
Linked apps
No
Sheets
Manual
Plan next month before it hits
Extrack
Premium
Linked apps
Varies
Sheets
Manual
Recurring bills on autopilot
Extrack
VIP
Linked apps
Varies
Sheets
Manual
Monthly budgets — overall + per-category caps
Extrack
Premium & VIP
Linked apps
Partial
Sheets
Manual
Real net worth across all accounts
Extrack
Yes
Linked apps
Partial
Sheets
Manual
30-day free trial, no card needed
Extrack
Yes
Linked apps
No
Sheets
Yes

Feature	Extrack	Linked apps	Sheets
Skip the bank login	Yes	No	Yes
Your data is never sold	Yes	Varies	Yes
Track who owes you	Yes	No	Manual
Plan next month before it hits	Premium	Varies	Manual
Recurring bills on autopilot	VIP	Varies	Manual
Monthly budgets — overall + per-category caps	Premium & VIP	Partial	Manual
Real net worth across all accounts	Yes	Partial	Manual
30-day free trial, no card needed	Yes	No	Yes

Pricing

30 days free — upgrade anytime

VIP is our flagship: recurring automation, no plan transaction cap, and every premium feature. Premium is perfect if you do not need recurring templates. List from ₹79 / ₹99 per month (all-in INR list); start the 30-day free trial or pay directly via Razorpay — your data is preserved either way.

Feature	Free(after trial)	Premium	VIP
Price (1 month, INR)	₹0	₹79	₹99
New transactions	View only (upgrade to add)	Unlimited	Unlimited
Accounts	View only	Unlimited	Unlimited
Categories	View only	Up to 20	Unlimited
Planned income & spending	View only	Unlimited	Unlimited
Recurring bills & income	View only	Up to 5 templates	Unlimited
Monthly budgets (overall + per-category)	View only	Included	Included
Saved people	View only	Unlimited	Unlimited
Category history by month	3 months + current	6 months + current	Complete history
Reports (time-scoped trends)	Not included	Not included	Included
Backup download & restore	Included	Included	Included
AI assist	Not included	Not included	Coming soon

People who switched aren’t looking back

Unsolicited feedback from people who picked Extrack over bank-aggregator apps. Quotes anonymised at the contributor’s request — initials and roles confirmed.

“I finally have a finance app where I’m not worried about my data being mined for ads. No bank linking, no aggregation, no funnels.”

A.M.

Software Engineer

“Caught ₹4,200 of recurring charges I’d forgotten about in the first week. The 30-day Upcoming view paid for itself before I’d touched the trial.”

V.S.

Product Designer

“A clean ledger where every entry lines up with the right account — I’ve been waiting for something this straightforward in a personal finance app.”

R.K.

Freelance Consultant

“Switched from spreadsheets — recurring and planned items finally match how I actually pay bills. Having a proper ledger keeps me here.”

S.P.

Small Business Owner

“Five friends owed me money across UPI, cash, and a few splits. Extrack added them up in one screen — I sent reminders the same evening.”

N.G.

Graduate Student

Frequently asked questions

Everything you need to know about Extrack.

How is my data protected?

Data is encrypted in transit (HTTPS everywhere) and at rest with keys we never see in plaintext. Only the signed-in API can read your workspace; access from anywhere else raises an alert in our monitoring. We don’t sell your data, run ad networks, or feed it into shared model training. The detailed security write-up is linked from the footer.

Do you read my finance data?

No. We don’t read it for ads, profiling, or training. Engineers don’t have routine access to your records; everything goes through the same logged API the app uses. We never connect to your bank, so we never see bank credentials at all.

Do I need to connect my bank account?

No. Extrack doesn’t link to banks or use aggregators. You record transactions yourself (quick add or full form) or restore a workspace export from Profile. Your bank credentials never pass through Extrack.

How does the free trial work?

Every new account starts on a 30-day free trial of VIP — no credit card required. You get full VIP access: unlimited recurring bills, planned transactions, full category history, time-scoped reports, and exports for the whole window. After 30 days the workspace moves to a free tier where your data stays preserved and readable (reports, exports, browsing all still work) but adding new transactions needs a paid plan. Premium (from ₹79/mo list) unlocks writes again; VIP (from ₹99/mo list) keeps full recurring and unlimited history. Your Profile shows live trial status and upgrade options.

How do paid plans and checkout work?

Two ways to subscribe — pay now or try first. From the pricing cards, "Start Premium now" / "Start VIP now" opens Razorpay checkout straight away (just enter your email + card; your account is created the moment payment confirms). Or "Start 30-day free trial" lets you use VIP first and upgrade from Profile → Plan & billing whenever you decide. Monthly list prices are all-in in INR: ₹79 (Premium) and ₹99 (VIP); 6- and 12-month options show one total at checkout. Payment is processed by Razorpay on their hosted page — Extrack never sees or stores your full card number. Full payment terms in our Terms & Conditions.

Can I use Extrack on my phone?

Extrack is a responsive web app and works in any modern mobile browser. You need a network connection. There’s no native app to install — open it in Safari, Chrome, or another up-to-date mobile browser.

How is Extrack different from bank-linked finance apps?

Many finance apps sync through bank aggregators and ask for your bank credentials. Extrack doesn’t — you decide what to record, and the ledger is yours. Less convenient for one-tap auto-import; much less risk if anything is ever compromised.

Can I export or move my data?

Yes. Profile → Backup & restore: download a workspace archive and import it again on another sign-in or device. That’s the supported way to take your full ledger with you.

See your real net worth,across every account

See next month’s damage — before it hits.

Stop doing the mental math on who owes you.

People

Home

Every account. One real number.

What we're building next

WhatsApp upload

AI statement uploads

Faster everywhere

Email reminders for upcoming transactions

Dashboard to understand your expenses

MCP server support for your AI chatbots

Why Extrack over alternatives?

30 days free — upgrade anytime

People who switched aren’t looking back

Frequently asked questions

People

Home

See your real net worth,
across every account