TrackMyCashflow

TrackMyCashflow is an all in one personal finance platform that combines cashflow tracking and investment portfolio management in one tool. Built for people with multiple income sources and diverse assets who want to keep track without handing over their banking data.

The app is designed for FIRE enthusiasts, freelancers with multiple projects, crypto investors and anyone tracking 10 or more parallel income streams: salary, rental income, dividends, crypto staking, YouTube earnings, Etsy shops, freelancing projects and more.

What sets TrackMyCashflow apart from tools like Finary, Mint or Monarch Money: No bank integration. No sensitive account information on our servers. Instead: browser based OCR for bank statements. Documents are analyzed in the browser, only extracted numbers are stored.

TrackMyCashflow offers two central views that work together seamlessly.

Cashflow Dashboard: All income sources and expenses structured at a glance. Track up to 15 or more income streams in parallel, group by category and tag. Interactive Sankey diagrams visualize money flow from sources through accounts to spending categories.

Investment Portfolio: All assets in one place. Stocks, ETFs, crypto, real estate, startup equity, collectibles. Values are entered manually or updated automatically for publicly available assets. No connection to brokers, no API keys, no sensitive login data.

Browser OCR Import: Upload bank statements as PDF or image, Tesseract.js analyzes them directly in the browser. The original document never leaves the device. Only structured numbers go into the database.

Multi Currency Support: 160 or more currencies with real time rates.

Cashflow Forecast: Based on historical data, income and expenses are projected up to 24 months into the future.

FIRE Metrics: Savings rate, Financial Independence number, Coast FIRE calculation and time to financial freedom.

Tax Categorization: German tax types per Paragraph 18 to 23 EStG as information. No tax advice, but helpful classification for your tax return.

Household Feature: Up to 4 users per household with shared views and individual private areas.

TrackMyCashflow is built with Next.js 15 and TypeScript. The UI uses Tailwind CSS and shadcn/ui. The database is Supabase PostgreSQL with Row Level Security, hosted with our infrastructure providers (Vercel and Supabase).

The browser OCR engine is based on Tesseract.js and PDF.js and runs entirely in the WebAssembly sandboxed context of the browser. Only the extracted structured data is transmitted to the backend.

For the Sankey diagrams D3.js and the d3 sankey library are used. Other charts are realized with Recharts. For payments LemonSqueezy or Stripe.

TrackMyCashflow is one of the few tools that combine cashflow and portfolio in one app. Most competitors focus on one of the two sides.

No bank integration means maximum security. No API key that does not exist can be leaked. No sensitive account data that was never transmitted can be stolen.

The Sankey diagrams are a viral hook. FIRE communities share these visualizations regularly on Reddit and Twitter.

Real multi currency support for international users and crypto investors. 160 or more currencies with current rates, not just the usual ten.

FIRE metrics and forecasts up to 24 months into the future. No other app in the privacy first segment offers this depth.

FIRE enthusiasts track their savings rate, FI number and Coast FIRE timeline. The Sankey diagrams visualize how every Euro arrives and where it flows.

Freelancers with multiple income streams keep the overview. Salary from employment, freelancing fees, Etsy shop revenue, YouTube earnings. All separated by source, by project or by tax category.

Crypto investors track their portfolios without exposing API keys. Staking rewards, DCA savings plans, yield farming. All manually enterable, with rates in 160 currencies.

Real estate investors manage their rental properties. Rental income, utilities, maintenance reserves, mortgage payments. With profitability calculation per object.

International users with income in multiple currencies. The multi currency support converts everything to the main currency and shows exchange rate effects on the portfolio.

Couples and households track their finances together. The household mode allows up to 4 people with shared views for joint expenses and individual private areas.

TrackMyCashflow is privacy first designed. No bank integration, no open banking, no API keys to brokers. Browser OCR means bank statements are processed in the browser, the original document never leaves your device.

Only the extracted structured data is stored: amounts, dates, categories. No account numbers, no IBANs, no deposit numbers. The database is with our infrastructure providers (Vercel and Supabase), encrypted and GDPR compliant.

All user accounts are isolated by row level security. Technical access controls (Row Level Security) separate user data. The app supports two factor authentication.