Money management, made clear
Your money. One operating system.
See what's actually available, understand what a decision changes, and build a plan around your real numbers.
One-time purchase · No subscription · No bank connection required
The balance problem
Your balance isn't the same as what's available.
Your balance includes money that's already spoken for, money you want to protect and everyday spending you still need to cover. Trackliit separates those from what's actually available.
- Total balance
- $4,280
- Already spoken for
- −$1,940
- Protected
- −$1,000
- Everyday spending still needed
- −$300
- Actually Available
- $1,040
Illustrative numbers only.
One workspace, four jobs
See. Decide. Plan. Simulate.
-
SEE
Know what's actually available right now.
-
DECIDE
See what a purchase would change before you make it.
-
PLAN
Turn your monthly numbers into a realistic plan.
-
SIMULATE
Test how a change in monthly income could affect your plan before changing your real numbers.
SEE · DECIDE · PLAN · SIMULATE
Meet Money OS Starter.
Money OS Starter brings the core DECIDE and PLAN workflows together, alongside Money Map, Goals, saved scenarios and What If?, in one workspace.
- Money Map
- Can I Afford This?
- Plan
- What If?
- Goals
- Goal progress
- Saved scenarios
Two numbers, two questions
Today and this month are not the same thing.
NOW
Actually Available
Your current balance after what's already spoken for, what you're protecting and the everyday spending you still need.
MONTHLY
Monthly flexible money
Monthly flexible money is what your monthly plan leaves after expenses, goal contribution and breathing room.
Trackliit keeps these two numbers separate because they answer different questions.
Choose your tool
Start with the question you need answered.
DECIDE
Can I Afford This?
See what your money looks like after the purchase.
PLAN
Personal Money Plan
Turn your numbers into a clear, realistic monthly plan.
The full workspace
SEE · DECIDE · PLAN · SIMULATE
Money OS Starter
See, decide, plan and simulate — in one money workspace.
One-time purchase. No subscription.
Can I Afford This? · DECIDE
Before you buy it, see what changes.
- Total balance
- Already spoken for
- Protected
- Everyday spending still needed
- Actually Available
- Purchase
- After the purchase
If a purchase goes beyond what's currently available, you choose how you'd cover the gap. Trackliit never assumes which money you would use.
Personal Money Plan · PLAN
Turn your numbers into a plan you can actually read.
Monthly flexible money is what your monthly plan leaves after expenses, goal contribution and breathing room.
- Money Snapshot
- Monthly flexible money
- 5-part breakdown
- Goal contribution
- Annualized view
- Livability
- What If? — test how a different monthly income could affect your plan
Some planning suggestions use simple built-in rules to turn your numbers into a useful starting point. You decide what works for you.
How it works
Three steps. No spreadsheets.
-
Enter the numbers that matter
Your balance, upcoming bills and what you want to protect. No bank connection required.
-
Trackliit organizes and calculates
No spreadsheet formulas, no mental math — the numbers are laid out clearly.
-
You decide what happens next
Trackliit shows the numbers. The decision stays yours.
Straightforward, on purpose
What Trackliit does — and doesn't do.
Trackliit organizes the numbers you enter and does the calculations. You make the decisions.
- No bank connection required.
- No account required for core use.
- Numbers you enter in the Trackliit tools are processed in your browser.
- No subscription. One-time purchase.
Trackliit is not a bank and does not give financial advice.
Questions
Good to know.
What is Trackliit?
Trackliit is a set of digital money tools. They help you see what's actually available, decide on a purchase, plan your month and test how a change in monthly income could affect your plan — without spreadsheets or a bank connection.
What's the difference between the three products?
Can I Afford This? (DECIDE) shows what your money looks like after a purchase. Personal Money Plan (PLAN) turns your numbers into a monthly plan. Money OS Starter brings the core DECIDE and PLAN workflows together, alongside Money Map, Goals, saved scenarios and What If?, in one workspace.
What's the difference between Actually Available and Monthly flexible money?
Actually Available is about now: your current balance after money that's already spoken for, money you're protecting and the everyday spending you still need. Monthly flexible money is what your monthly plan leaves after expenses, goal contribution and breathing room. They answer different questions, so Trackliit shows them separately.
What does What If? do?
What If? lets you test how a change in monthly income could affect your plan before changing your real numbers. To check a specific purchase, use Can I Afford This?
Do I need to connect my bank account?
No. You enter the numbers that matter yourself. No bank connection is required.
Where are my numbers processed?
Numbers you enter in the Trackliit tools are processed in your browser. No account is required for core use.
Is this a subscription?
No. Each Trackliit tool is a one-time purchase.
Does it work on mobile and desktop?
Yes. The Trackliit tools run in a modern web browser on mobile or desktop.
Which currencies can I use?
Inside the Trackliit tools you can choose USD, EUR, GBP, CAD or AUD. Storefront and checkout prices may be displayed in your local Shopify market currency.
Is this financial advice?
No. Trackliit is not a financial advisor, a bank or accounting software. It organizes the numbers you provide and does the calculations, so you can make your own decisions.
See what's actually available — and what happens next.
Money OS Starter: see, decide, plan and simulate in one money workspace.
One-time purchase · No subscription