Receipt-first expense tracking
Snap a receipt — get every item tracked.
Budgeting that runs itself. No manual entry, no bank access required.
No card required · Your receipts, not your bank logins
LIMASSOL · CY
14.03 · 18:42
| Milk 1 L × 2 | Food › Dairy | 2.18 |
| Yogurt, 4-pack | Food › Dairy | 3.29 |
| Coffee beans 500 g | Food › Groceries | 6.99 |
| Chicken breast 0.8 kg | Food › Meat & Fish | 7.12 |
| Tomatoes 1.2 kg | Food › Vegetables | 3.48 |
| Bread, sourdough | Food › Groceries | 1.29 |
| Diapers, size 4 | Kids | 12.49 |
| Baby wipes × 2 | Kids | 3.60 |
| Dish soap | Home › Household | 2.85 |
| Paper towels × 4 | Home › Household | 3.84 |
The obvious objection
“My bank app already shows my spending.”
It shows what left your account. It has no idea what you bought — and it has never seen a single cash purchase.
Your bank app
FinTracks
How it works
Three steps, and two of them aren’t yours
Seconds per receipt. You hold the phone for exactly as long as it takes to take the photo — everything after that happens without you.
Photograph the receipt
Straight from the camera, or drop in a PDF. Paper slip or e-receipt, it is the same flow.
AI reads every line
Merchant, date, VAT, and each item with its own price — not just the total at the bottom.
Categories fill themselves
Every line lands in your category tree. You review the result instead of retyping it.
What it adds up to
Thirty-eight receipts later, the month has a shape
Every tile below is drawn from item-level data. A bank app cannot draw them, because it never saw what was in the basket — only what left the account.
Total balance
Income
Expenses
Receipts scanned
Capital dynamics
— MAR ⋯ FEBAccounts in focus
3Bank · Main6 842.47
Bank · Personal1 284.19
Cash · On hand293.89
Spending by category
March · 2 947.04 €By tag
treemapOn the fortieth receipt
Recognition is the easy part to demo and the hard part to live with
What decides whether a tracker survives the second month is not how well it reads the first receipt. It is what happens to the ones it read badly.
Correction
Edits that survive a re-scan
Fix a line and it stays fixed. Re-running recognition asks first whether to keep your edits.
Accounts
Cards and cash in one picture
Several banks plus the cash in your pocket, each in its own currency, all on one dashboard.
Control & privacy
No bank logins. Optionally, your own AI key.
Both are deliberate. We read what you hand us, and from Extended upwards you can decide which provider does the reading — and pay them directly.
No bank logins
We never ask for your bank password
No account aggregation, no read access to your statements, no open-banking consent screen. FinTracks sees the receipts you hand it and the entries you make.
Bring your own key
Choose the AI, pay it directly
From Extended upwards, connect your own OpenAI, Anthropic, Google or Grok key. Recognition runs through your provider account and spends no credits at all.
Your account
Two-factor, an audit log, and a delete button
Second factor by authenticator app or email code, an activity log you can read line by line, and account deletion you run yourself without writing to support.
Pricing
One credit ≈ one recognised receipt
Charged at what the recognition actually cost, minimum one credit — not a rounded-up scan quota.
- 60 credits / month
- 5 accounts · 500 transactions
- Top-up packs available
- 150 credits / month
- 10 accounts · 1 500 transactions
- Bring your own AI key
- Unused credits roll over 1 month
- 300 credits / month
- 20 accounts · 5 000 transactions
- BYOK · roll over 2 months
Card payment is still being switched on, so paid plans cannot be bought yet. The free plan works in full — five scans a month, no card. Start there: once payment is live, you can change plan from your account without losing anything.
FAQ
Straight answers
What is a credit?
Recognising one receipt usually costs 1 credit. Long or low-quality documents and premium models cost more — you are charged the actual AI cost, with a minimum of one.
What happens to credits I don’t use?
Monthly credits roll over on Extended (1 month) and Max (2 months); on Free and Restrict they reset. Credits bought as top-up packs stay valid for 12 months from purchase.
What is BYOK?
Bring Your Own Key: connect your own OpenAI, Anthropic, Google or Grok API key from Extended upwards. Recognition runs through your provider account, bills to you directly, and spends no credits.
Do you connect to my bank?
No — deliberately. There are no bank logins and no statement imports. FinTracks works from your receipts and the entries you make by hand.
Your receipts already know where your money goes.
We just read them. Five scans to find out, no card required.
Start free — 5 scans included