Trakky
Record spending on your phone, share the same ledger with your partner, and open it on the web and Mac.
Automatic entry reads Korean card and bank notifications on Android today. Elsewhere, add entries by hand or paste them in.
Opens right here in your browser. No sign-up needed.
Get the app
Approved ₩12,800 Lunch, one payment
| Date | Item | Spent | Received |
|---|---|---|---|
| 10/23 | Salary | 3,240,000 | |
| 10/24 | Groceries | 52,300 | |
| 10/24 | Building fees | 186,400 | |
| 10/25 | LunchFrom alert | 12,800 |
Spent in October₩1,284,500
It shows up on Jenny's phone right away
With Korean cards, the Android app reads the amount, store and card from notifications and texts. Tap once to confirm, or fix it first. Anywhere else, type it in or paste the message.
Your ledger syncs with your account. The phone and Mac apps also keep the copy on your device encrypted.
Invited family members join with their own accounts and write in the same ledger. Recent changes show who changed what, and a wide-screen dashboard sums up the month.
Sharing needs the 2-person plan. The web, Mac and Windows apps come with the 1-person and 2-person plans, and you can try them with the 7-day trial.
Automatic entry and app lock depend on what each device allows. With the same account, every device shows the same ledger.
| Android | iPhone | Mac | Web | |
|---|---|---|---|---|
| Automatic entry | Card, bank and payment app notifications, KakaoTalk alerts, texts (Korean issuers) | Shortcuts automation for texts, Share, read a screenshot | Paste | Paste |
| App lock | PIN, biometrics | PIN, Face ID | PIN, Touch ID | None (log out to close) |
| Encrypted on the device | Yes | Yes | Yes | No (browser storage) |
| Home screen widget | Yes (2×2) | Yes (small, medium) | No | No |
| Who can use it | Free plan and up (also without an account, on this device) | Free plan and up (also without an account, on this device) | Included in the 1-person and 2-person plans (7-day trial) | Included in the 1-person and 2-person plans (7-day trial). Trying it without an account in this browser is free |
| Account sync | Free plan: 1 device | Free plan: 1 device | Within your plan's device limit | Within your plan's device limit |
| Payment | Google Play | App Store | Mac App Store | Uses the plan bought on phone or Mac (web checkout coming) |
Sharing comes with the 2-person plan. The Windows app is coming and will be included in the 1-person and 2-person plans. Device limits differ by plan (see Pricing).
We analyzed 425,794 reviews of budgeting apps (of 609,903 collected) on the US Google Play store and collected the frustrations that come up most.1 A review is one person's experience, not the current state of that app.
Reviews: 6,707 complaints about bank and card connections (66 apps)
Trakky doesn't log in to your bank. On Android it reads Korean card and bank notifications and leaves each one for you to confirm.
No bank connections. Outside Korea, notification reading isn't available yet.
Reviews: 10,107 complaints about subscription prices2
The free plan covers one person on one phone. Paid plans are listed on this page with monthly and yearly prices, and the 7-day trial isn't a store trial, so nothing is charged when it ends.
Payment happens in the phone or Mac app only (web checkout coming).
Reviews: 937 requests for a shared ledger (64 apps)
Invite your partner with a link and set roles: owner, editor or viewer. Recent changes show who changed what.
Two people need the 2-person plan.
Reviews: 2,365 complaints about keeping records, 5,130 about logging in
Account ledgers are kept on the server, deleted entries stay in the trash for 30 days, and changes that haven't been sent are never deleted.
File export and importing from other apps are coming.
The four budgeting apps with the most analyzed reviews, leaving out a cash-advance service (Albert) and a bill-splitting app (Splitwise). Counts cover reviews written since 2009.1
| App | Most praised in reviews | Most common complaints | Ads (store listing)3 |
|---|---|---|---|
| Money Manager | Simplicity 10,338, record keeping 6,575 | Requests: device sync 397, shared ledger 283 | Yes |
| Wallet | Simplicity 6,116, record keeping 3,990 | Bank connection 1,910, customer support 1,279 | No |
| Rocket Money | Spending awareness 2,557, cancelling other subscriptions 2,129 | Unexplained charges 887, cancelling the app 853, bank connection 1,221 | No |
| Money Lover | Simplicity 3,993, recording income and spending 2,424 | Free-plan limits 493, customer support 425, keeping records 388 | Yes |
| Trakky | Not launched yet, so no reviews | — | One banner on the free plan only |
Using the phone app without an account and the free plan cost nothing. The web, Mac and Windows apps and sharing come with the paid plans, which you buy in the phone or Mac app through the App Store or Google Play.
₩0/month₩0/year
₩2,900/month₩29,000/year
₩4,900/month₩49,000/year
Add a person for ₩1,000 a month or ₩10,000 a year, up to 5 people. Only the ledger owner pays.
| 50 credits | ₩1,100 |
|---|---|
| 150 credits | ₩2,900 |
| 500 credits | ₩8,900 |
Credits you buy never expire, and the free plan can buy them too. Questions unrelated to your ledger aren't answered and don't use credits.
The trial starts the day you first upload a ledger to your account and covers paid features, including the web and Mac apps and sharing. It isn't a store trial, so nothing is charged when it ends. The trial doesn't include monthly AI credits.
| Money Manager (Realbyte) subscription, Korean App Store4 | ₩2,900/month · ₩24,000/year |
|---|
These are Korean list prices in won. In other countries, the App Store or Google Play shows the local price. Our billing survey has no US price data, and apps include different features, so price alone isn't a fair comparison.
You pay with whatever your store supports, such as cards, carrier billing or wallets.5
Today it reads notifications and texts from Korean card issuers and banks on Android. Support for other countries is in progress. Until then, add entries by hand or paste the payment message.
It starts the day you first upload a ledger to your account. It isn't a store trial, so it never turns into a charge. When it ends, you're back on the free plan.
Within 7 days of paying, if you haven't used paid features, you can cancel a subscription or a credit pack for a full refund. After you've used paid features, yearly plans are refunded in proportion to the remaining period; monthly plans are refunded the same way within 7 days, and after 7 days you can only turn off renewal, with no refund. Unused credit packs can be cancelled within 7 days of buying them. Requests go through the store you paid with: for the App Store, request a refund from Apple (reportaproblem.apple.com); for Google Play, use Google Play's refund request or contact us. There's no web checkout yet. The paid terms (in Korean, a draft under review), sections 10 to 12, have the details.
The owner of a 2-person plan sends an invite link, and the other person joins with their own account. Roles are owner, editor and viewer. You can add people for ₩1,000 a month each, up to 5. Only the owner pays.
The phone and Mac apps keep your ledger encrypted on the device. When you sign in, your account ledger syncs with a database in the Seoul region. When you try the web app without an account, your ledger stays in that browser only and isn't encrypted.
Credits pay for asking about your ledger, the monthly summary and entering spending by voice. The 1-person plan refills 100 each month and the 2-person plan 200; unused monthly credits don't roll over. Credit packs you buy never expire.
The web, Mac and Windows apps come with the 1-person and 2-person plans, and you can try them with the 7-day trial. Trying the web app without an account is free and stays in that browser. You can't pay on the web yet; it uses the plan you bought in the phone or Mac app.
쓰임 (Sseuim) is the app's Korean name. Its English store name is Trakky Ledger. The app's menus come in English and nine other languages.
Try the web app right now, no sign-up needed. We'll link the phone apps here as soon as they're in the stores.