Groceries, childcare, school fees, utilities, activities — family expenses are complex. FinTrack gives your household one clear dashboard with every recurring bill tracked, every upcoming cost visible, and a real safe-to-spend number that accounts for all of it.
Free tier available · No bank sync · Private household finance
The family finance problem
A single person needs to track 5-8 expense categories. A family with kids needs to track 15-20. Most apps handle the first case and leave families frustrated.
Groceries, school fees, after-school activities, medical visits, birthday parties — a family's expense categories are 3x more complex than a single person's. Standard apps don't handle the breadth.
September hits with school supplies, uniforms, and sign-up fees. December adds gifts and travel. Summer adds camps and childcare. These spikes are predictable but still catch families off guard.
No two months look the same. A month with a school trip and a dental visit is $400 more than a quiet month. Without tracking, there is no way to tell whether you are on track.
Dual income families need to track two salaries, possibly with different pay schedules. Single income families need to track even more carefully to make one income cover everything.
How FinTrack helps
Set up school fees, insurance, utilities, subscriptions, and childcare once. They appear automatically in your Upcoming Bills widget with exact amounts and dates.
Learn more →See months ahead in a single view. Spot September's school costs, December's holiday spend, and summer childcare — all visible before they arrive.
Learn more →After all upcoming bills are reserved, Safe to Spend shows the balance your family can actually spend. No more 'we thought we had money' conversations.
Learn more →Create categories that match how your family actually spends: Groceries, Childcare, School, Medical, Activities, Home Maintenance. Your categories, your labels.
Learn more →Seasonal planning
Every family has heavy months. Back-to-school in September, holiday spending in December, summer childcare in July. FinTrack's Financial Timeline shows these months clearly so you can save in advance rather than scramble when they arrive.
Upcoming bills visible weeks before they arrive
Month-by-month financial timeline view
Projected end-of-month balance accounts for all bills
Recurring annual expenses shown on the calendar
At the start of each school year, enter all known annual school costs as recurring annual expenses — school fees, sports registrations, uniform orders. FinTrack will remind you months before each one arrives, so you can plan rather than react.
See how to set up bills: How to track recurring bills →
Each person can have their own FinTrack account, or one person can manage the household account. Many families find it easiest to have one person enter shared expenses and use a shared login, while keeping personal accounts separate.
Log them as one-time expenses in the relevant category (Education, Kids Activities, etc.) when they occur. The Financial Timeline view shows these alongside recurring bills so you can plan months with heavier spending.
Yes. You can see upcoming recurring costs and add anticipated one-time expenses to see your projected balance in months ahead. If September always runs heavy, you'll see that in advance.
Yes. FinTrack never connects to your bank accounts and does not share data with third parties. Row Level Security means your financial data is accessible only to your account — no exceptions.
Set up FinTrack with your recurring household bills and know your true safe-to-spend amount every day of the month. No more guessing before every purchase.
Start Free NowFree tier · No bank sync · Pro from $9.99/month