Double-entry personal finance, built for Bangladesh
Know where every taka went — down to the last poisha
Income, expenses, money lent and borrowed, DPS savings and insurance in one ledger. Built on double-entry bookkeeping, so the books cannot disagree with themselves.
Free forever plan. Works offline. Installs to your phone from the browser.
No card required · Free plan free for good · Export everything whenever you like
Which books are you keeping?
Double-entry
Both sides of every transaction, debit and credit
Integer money
Every amount is whole minor units — no rounding drift
140+ currencies
Yen, dinar, dollar — each with its own real precision
Works offline
Entries queue when the network goes and send themselves back
Three steps to start
You do not have to back-fill a year on day one. Starting from today is enough.
Say where your money is
Bank, mobile wallet, cash in hand, credit card — enter each one once with its balance. Two minutes.
Write things down the easy way
Type in the app, or send it to Telegram. Bank messages become drafts that wait for you — nothing reaches your books unless you say so.
Get an answer at month end
Where it went, who owes you, who you owe, how it compares with last month. The reports do the arithmetic.
What it does
Everything below works today. What does not exist yet is kept separately, under Coming.
A ledger, not a listDouble-entry bookkeeping
Most expense apps keep a list. This keeps books — where each amount came from and where it went, both written down.
Double-entry ledgerDebits equal credits, enforced
Every transaction balances. Not by convention — by a database constraint. An unbalanced entry cannot be written at all.
Accounts and balancesBank, wallet, cash, credit card
From an opening balance to today’s figure, kept current by the entries themselves rather than by you.
Revaluing an assetLand and gold, marked to today
Enter what it is worth now, with the history kept. Not income and not cash flow — only net worth moves, because nothing was sold.
Property and vehicles, kept apartA plot of land is not spending money
Land, a flat, a car, gold — what you paid beside what it is worth now, and never mixed in with the money in your bank. Asking how much you have on hand does not get answered with the value of a plot of land.
Selling an assetOnly the gain is income
The proceeds land in the account that received them, and only the amount above what you paid is income. Sell for less and the shortfall is a loss. What you have sold stays on its own list rather than disappearing.
Categories and sub-categoriesA tree, not a flat list
Twenty-one categories seeded, as many sub-categories under them as you need. Reports roll children up into the parent.
TagsWho for, not what on
The category says what the money went on; a tag says who for or which project. One transaction can carry several.
Statement of accountThe document a bank issues
Opening balance, debit and credit columns, a running balance down the page, closing balance. Print it, export it, or send a link somebody can open without an account.
ReconciliationMatch the bank
Type the real balance and the difference is booked as an adjustment. Your books and your statement stop drifting apart.
Annual costs, spread across the monthsOne payment, twelve months of use
An insurance premium or a licence paid once a year lands in one month and makes that month look ruinous. A separate view lays it flat across the months it buys. The books stay on a cash basis; only the reading changes.
Transactions in another currencyThe rate your bank actually used
A card charge in dollars stays in dollars, with what it cost in taka beside it. You supply the rate, because what your bank charged is not published anywhere. 140+ currencies, each with its own real precision.
Debts, the way accountants do themLoans and party ledger
Who owes you, who you owe, what is left on each instalment. The rule QuickBooks and Zoho Books follow: a loan is never income and never an expense.
Money lent and borrowedTwo directions, kept apart
Borrowing is a liability, lending is an asset. Both move your cash; neither touches your income or expense reports.
Instalments with a running balanceInterest handled properly
What is left after each payment, with interest separated out. Interest stops accruing on the day the debt was cleared, not the next morning.
Party ledgerOne person, one page
Every loan with the same person on a single running balance. "What is between us" is one number, before you pick up the phone.
Statements and CSV exportCut by date, hand it over
Filter to any window, download a CSV Excel opens correctly, print a clean page.
ContactsFixable, and mergeable
Correct a name, a phone or a relationship. Typed the same person twice? Merge them, and their history stops being in two halves.
A code for every personP-0001, and it stays theirs
Two people with one name stay two people. Give a phone number and the same person is never created twice, so their loans and their trips sit together.
Splitting a bill — ShareCostShared expenses
Trips, flatshares, the office. Who paid, whose share is what, and who owes whom at the end — while your own books take only your share.
Split an expenseEqually, by percent, by share or by exact amounts
A ৳3,000 dinner split four ways puts ৳750 in your month, not ৳3,000. Your books stay yours.
Settle up in the fewest paymentsNot everybody paying everybody
Seven people on a trip do not need twenty-one transfers. The app works out the shortest way to square up.
Advances, adjusted on their ownMoney handed over before the bill
Record what you paid ahead of time and it comes off their share of the next expense automatically.
A pot everybody pays intoFamily fund, office collection, trip kitty
Contributions in, spending out. Somebody else’s contribution stays money you owe them — the pot may be in your hands, but it is theirs.
A public link for the tripNo account needed to read it
The total, who paid what, each person’s share. Nothing outside the group travels with the link.
Savings, insurance, cardsWhat is due, and when
Money does not only come and go; some of it accumulates. Remembering what falls due is the software’s job.
DPS and savings schemesInstalments, term, profit
How much has gone in and how much is left, on each scheme’s own page.
Profit where profit belongsA DPS deposit is a transfer, not an expense
Record a scheme’s profit as income on the transactions screen, tagged to the scheme it came from. Paying into a DPS is not spending — one asset simply becomes another — so it is recorded as a transfer, and the monthly report keeps the two apart.
Insurance policiesPremiums and renewals
When the premium is due, how much, which one is outstanding. Policy number and term in one place.
Credit-card remindersBefore the due date
A Telegram nudge before the bill. Pay it and that cycle’s reminders stop on their own.
Which account the instalment leaves fromA DPS is a standing instruction
The same wallet or the same salary account is debited on the same day every month for five years. Say it once and the deposit screen stops asking.
Renewals and expiry datesDomains, licences, papers
Hosting, a trade licence, vehicle papers, a passport — when each runs out and what it will cost. They climb the list as the date approaches.
Reports and searchAnswers, not just numbers
Collecting figures is easy. Answering a question with them is the hard part.
Income, expense and cash flowBy month, category or account
Compare with last month in one click.
Income, spending and savings togetherThe third figure no statement can give
What came in, what went out, and what actually went into savings — three figures side by side, month by month. The savings rate is the share of income you put away, not what happened to be left over; money left over can simply be sitting in a wallet.
ChartsReadable without relying on colour
Category shares, monthly trends, income against spending — a picture beside the figures. Colour is never the only signal, so they read on a colour-blind screen too.
How this month is goingEighteen days against eighteen days
This month measured against the same stretch of last month, never against all of it — that comparison says spending has halved when nothing has changed. Beside it: the pace of the month, the trend by month, and which categories moved most.
Balance sheet, as of any dateAssets, liabilities, net worth
Today’s position, or the 30th of June’s. Both dates and the movement between them in one request.
Reporting by tagSlice it your way
Only family spending, only the business. Whatever you tagged, you can total.
The four financial statementsIncome, balance sheet, cash flow, net worth
For any date range, on one printable page — the same four statements an accountant would ask for.
Cash flow in three sectionsOperating, investing, financing
Classified the way IAS 7 requires, by the account on the other side of the entry. A salary and a borrowed lakh never blur into one number.
Current and non-currentIAS 1 presentation
Assets and liabilities split the way a balance sheet is meant to be read, so working capital falls out of it.
Quantities, not just amountsKilos, litres, bhori, katha
Fifty-six units, local ones included. It is how you tell a price rise apart from a change of habit.
Share a statement by linkFor a lender, a bank or an insurer
They open and print it without an account. The link expires, you can revoke it, and you are told how often it was opened.
Bangla, English and Banglish searchkarim finds করিম
Type it however you type it. The matcher transliterates, so three spellings find one person.
Less typingGetting data in
People stop keeping books because writing them down is tiring, not because they stopped caring.
Telegram entrySend it and forget it
Message the bot and it becomes a draft. "rickshaw 60" on the bus; one tap when you get home.
Draft inboxNothing lands unreviewed
Whatever arrives waits as a draft. It does not reach your books until you say so.
Mailbox connectorRead your statements in-app
Connect a mailbox and read bank letters here. Read only — it never sends and never deletes.
CSV import and backupBring the old spreadsheet
Map your columns and import. Download your whole ledger any day you like.
Bringing an old app acrossWallet by BudgetBakers, balance for balance
Your whole history from Wallet by BudgetBakers — accounts, categories, transfers, years of transactions. Whatever cannot be matched comes back as a spreadsheet, and every balance is checked against the old app’s own figure.
Receipt attachmentsPhotograph the paper
Attach a receipt to a transaction. Unlimited on premium.
Your data, yoursPrivacy and control
Personal finance means bank statements, salaries and what you owe. There is no casual way to handle that.
Hard tenant isolationOne workspace, one set of books
Every query is scoped by workspace. Not most of them — every one.
Audit trailWho changed what, when
The full list, and you can read it yourself.
Session controlSee and revoke devices
Which devices are signed in, and one tap to sign any of them out.
Export without frictionLeave whenever you like
Your whole ledger as CSV. Nobody holds your data hostage to keep you.
Making it yoursThemes, language, wording
Bookkeeping is a daily habit. The screen has to be bearable and the words have to be the ones you use.
Eight themesLight, dark, high contrast, calm
Four faces in light and dark. Money in and money out are never the same colour in any of them, so they stay distinguishable on a colour-blind screen.
Bangla and EnglishThe whole app, either way
Both languages throughout, and Bengali or Western digits as a separate choice — some people want Bangla words with English numerals.
Rename anything on screenYour words, not ours
Prefer "head" to "category", or "customer" to "party"? Change any label in your own books. The change is recorded on your workspace timeline, so it is never a mystery who renamed what.
The manual, inside the appNo tab-switching to read the docs
What every screen does and what every rule means, written in the app itself.
Send feedback from insideWith the screen you sent it from
Report something wrong or ask for something missing without leaving the app. Which screen you were on travels with it.
Why this is not another expense app
Most apps keep a list: date, amount, category. Add the list up and you get total spending — but not "how much do I have right now" or "what am I worth", because where the money came from was never written down.
Taka Tracker writes both sides. A ৳500 grocery run is ৳500 debited to food and ৳500 credited from cash. If the two sides are not equal, the database refuses the write.
Which means
- Every account balance stays correct on its own
- You get a real balance sheet — assets, liabilities, net worth
- Loans cannot leak into income and ruin a report
- Money never disappears; if it moved, where it went is written down
QuickBooks and Zoho Books run business books on exactly this rule. The difference here is that you never have to see a debit or a credit — the screens say income, expense and transfer.
Coming
These are not built yet. The list is here so that when you sign up you know what you are getting and what you are not.
Reading bank SMS directly
Drafts straight from bKash, Nagad and bank messages. The pipeline is built; the per-bank templates are not.
Budgets
A monthly limit per category, and a warning before you pass it. You can see the pace of your spending today, but you cannot yet set a ceiling on it.
Android and iOS store apps
Today it installs to your home screen from the browser and works offline. A store listing is the next step.
AI monthly review
"Where did it go, what could come down" — over your own books, in your own words.
Recurring transactions
Rent, salary, instalments — entered once, then automatic.
Income tax computation
Slabs, the investment rebate, minimum tax and the wealth surcharge, worked from your own books. The machinery is built; the Finance Act rates still have to be transcribed against the gazette, and nothing computes until a person has checked every figure.
Family members
Several people on one set of books, with separate permissions.
Receipt OCR
Photograph a receipt and have the amount and date fill themselves in.
Questions
Is Taka Tracker really free?
Yes. The free plan is free for good — not a trial, and no card at the end. Two accounts, unlimited transactions, unlimited debtors and creditors. Only receipt attachments are held back for premium.
Can I keep the books for my shop or business here?
Business accounting is a separate app, at trade.takatracker.com. It is built for rod, cement, sand and stone, paint, thai aluminium and glass traders in Bangladesh, and works for other trading businesses too — motorcycle parts shops, grocery stores. It keeps purchases, sales, what each customer owes (baki), stock and the month’s profit. takatracker.com is for your own personal finances. The two are separate apps with separate accounts.
What is double-entry, and do I need it?
Double-entry means both sides of every amount are written down — where it came from and where it went. You never have to learn debits and credits; the screens never show them. What you get is books that cannot silently disagree with themselves.
Can you see my bank account?
We are not connected to any bank, never ask for banking credentials, and never ask for a full account number — only what you type, or what arrives in a mailbox you connected yourself. Each workspace is isolated, and every read of your data is recorded.
Does it work without internet?
Yes. Add it to your home screen and it opens like an app; with no connection, entries queue and send themselves when the network returns. Step-by-step instructions for iPhone and Android are at takatracker.com/guide.
Which currency can I use?
Any of more than 140, chosen when you sign up. Each is handled at its own real precision — a yen has no minor unit, a Kuwaiti dinar has a thousand fils, and the arithmetic respects both rather than assuming everything has cents.
Do loans count as income or expense?
Never. Money borrowed is a liability and money lent is an asset — both move your cash, neither touches income or expense. Only the interest is. QuickBooks and Zoho Books follow the same rule.
Can I bring in an old spreadsheet?
Yes. Map your CSV columns and import. If it comes out wrong, the whole batch can be reverted at once.
How do I pay?
Premium is ৳350 a month (৳3600 a year, saving ৳600) and Pro is ৳499 a month. Each paid plan has its own payment button on the pricing page — pay by bKash or card. Write the plan name on the invoice: matching a payment to an account is still done by hand, and we switch the plan on once it clears.
Start today
A minute to open an account, ten seconds for the first expense. At the end of the month the answer is yours to read.