Introduction

Most financal applications are designed by accountants, for accountants (or normal people trying to be accountants). They require you enter each transaction, categorise it and then reconcile it with your account statement. By the time you've done all that, you've wasted several hours a month!

BalanceTracker is a simple site for tracking your personal finances. You enter your main commitments (e.g., salary income, mortgage payments, car loan repayments) and then regularly note the balance of your account and which of those commitment have been satisfied. For example, if you had €1000 last week, and now have €250 which includes paying €500 in rent, then BalanceTracker can figure out that you're spending ~250/week. Simple but smart. Well, smart enough to let you know that you'll be going overdrawn next week

Features

The zen of BalanceTrack-ing

• Add all your accounts: current & savings accounts, credit cards, shares — anything which has a balance
• Add any known income or outgoings (called Commitments) — either one-off or regular
• Enter your current account balance and tick off which commitments occurred
• BalanceTracker will use your balance patterns and future commitments to predict your future account balance

Anti-Features

Things that make BalanceTracker great because they don't exist

• Decimal points are not supported — who cares about cents and pennies?
• It's only back-of-a-napkin accurate — and will never be better than that
• It doesn't link to your bank account — which is fine, cos your bank probably wouldn't support it
• There's no tag cloud, no transactions, no reconciling
• It won't provide offers, advice or link to "people who spend like you!"

Signup

BalanceTracker was written for my own personal needs but if you want to try it out email balancetracker@ideasasylum.com

I'll post screenshots for the vaguely-interested-but-don't-want-to-signup