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
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.
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.
ReconciliationMatch the bank
Type the real balance and the difference is booked as an adjustment. Your books and your statement stop drifting apart.
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.
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.
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.
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.
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.
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.
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, with no exception.
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.
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.
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.
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.
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 and never ask for banking credentials. 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 or ৳3600 a year, saving ৳600. Online payment is not live yet — contact us and we will enable premium on your account.