Know exactly where yourmoney goes.
Track spending across currencies and know exactly how long your budget will last.
Available balance
$3,104.20
Budget runway
47days
Home currency
10.68 GHS
Dashboard preview · Sample amounts
Wherever you're from
We're all around the world.
Xtrack works in your currency and fits your life — wherever you call home.
Everything in one place
Financialclarity,nospreadsheets.
Spending, currencies and insights — in one focused workspace.
01 / Currency
Spend here.
Understand it there.
Paid in CAD
$84.20
Seen in GHS
₵899
02 / Insight
Small signals.
Better decisions.
18%
of runway
03 / Rhythm
Know what's next.
Regular spending, arranged before it becomes a surprise.
01Oct
Rent
$750
06Oct
Mobile
$42
08Oct
Transit
$98
Simple from day one
Start understanding your finances in minutes.
No finance degree, complex setup or spreadsheet template required.
01
Create your account
Sign up in a minute and choose the currency you want to see your money in.
02
Add your expenses
Record purchases, recurring bills and income in seconds from any device.
03
Understand your money
See your runway, spending patterns and personalised AI-powered insights.
Less manual tracking
Budgeting that runs itself.
Xtrack picks up the repetitive tracking work — currency conversion, recurring bills, category budgets — so you see the full picture without manual entry.
Currency conversion
Spending converted to CAD automatically
92%
Recurring bills
Rent, subscriptions and bills tracked automatically
78%
Budget suggestions
Category budgets predicted from your spending history
65%
87%
of this month's spending auto-categorized
An example month, tracked automatically.
Simple pricing
Pick the support your money needs.
Start with the essentials for free, then move up when smarter planning tools become valuable to you.
Compare plans
Switch between plans to see exactly what is included. No hidden fees, long contracts or complicated tiers.
Start here
Free
$0
forever
Everything you need to build a clear, consistent picture of your finances.
- Expense and income tracking
- Home-currency conversion
- Budget runway
- Recurring payment tracking
No credit card required
Frequently asked
A few things you may want to know.
Xtrack is being built around how real people spend, not generic personal-finance assumptions.
Who is Xtrack for?+
Everyone. Whether you're studying, working, freelancing or running a household, Xtrack shows you where your money goes and how long it will last.
Can I track more than one currency?+
Yes. You can record spending in your local currency while viewing its value in your home currency.
Does Xtrack connect to my bank account?+
Bank connections can be added later. The first version focuses on simple, intentional expense tracking and clear financial insights.
What does budget runway mean?+
Budget runway estimates how many days your available money may last based on your current spending pace.
Take control of your budget
Make your money feel less uncertain.
Know exactly how long your money will last.