Personal finance OS

Your life,
in rhythm

Maintrace keeps your money, habits, and goals moving together — quietly, precisely, every day.

maintrace · June 2026
Net worth
$24,820
↑ $1,240 this month
Monthly budget
$3,200
$420 remaining
87% used
Habit streak
14 days
🔥 Personal best
Features

Built for every part
of your life.

Know where every dollar goes.

Set monthly limits by category and watch them update in real time. No spreadsheets, no surprises.

  • Category-level spending limits
  • Daily remaining balance at a glance
  • Rollover unused budget to next month
  • Alerts when you're close to a limit
Budget · June 2026
Rent$900 / $900
Groceries$210 / $300
Transport$95 / $150
Dining out$180 / $200
Entertainment$40 / $100
Savings$500 / $500

The one number that tells the truth.

Track assets and liabilities over time. Watch the gap widen as you build wealth, month by month.

  • Assets and liabilities tracked separately
  • Historical chart going back months
  • Monthly delta — how much did you gain?
  • Milestone celebrations at round numbers
Net worth · Last 8 months
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Assets
$31,480
Liabilities
$2,820
Net
$24,500

Small things done daily become everything.

Track what matters to you. Each check-in builds a streak that makes showing up feel meaningful.

  • Custom habits with daily check-ins
  • Streak tracking with personal bests
  • Weekly consistency score
  • Gentle reminders at your chosen time
Habits · this week
Morning run
14 day streak
Read 20 pages
7 day streak
No spending
3 day streak
Meditate
5 day streak

Goals that fund themselves.

Link a goal to an account, set a monthly pace, and Maintrace projects exactly when you'll arrive.

  • Auto-funding from a linked account
  • Projected finish date from your pace
  • On-track vs. behind, at a glance
  • Milestones without the overwhelm
Goals
Emergency fund74%
On track · Nov 2026
Trip to Japan30%
Auto-funding · $150/mo

Reflect on the week that was.

A quiet place to capture how things are going — money, mood, and everything in between.

  • Tag entries by theme
  • Track mood alongside money
  • Weekly and milestone prompts
  • Everything searchable later
Journal · Mon 09 Jun
🙂
budgethabits

Stuck to the grocery budget this week. Morning run streak hit 14 days — a personal best. Emergency fund is at 74%; if we hold steady we cross 80% by July.

Why Maintrace

Designed to stay
out of your way.

Monthly budgets

Set spending limits by category. See exactly where you stand every day of the month.

Net worth tracking

Watch your assets and liabilities move over time. One clean number that tells the truth.

Habit streaks

Build routines that stick. Daily check-ins keep your momentum visible and real.

Goal milestones

Break big goals into steps with deadlines. Track progress without the overwhelm.

Pricing

Simple, honest pricing.

Free
$0

Everything to manage your money solo.

  • Limited transactions & journaling
  • Up to 3 accounts & 5 budgets
  • 3 habits and 3 goals
  • Net worth & dashboard
Get started
Pro
$20/user/mo

Automate, scale, and share.

  • Everything in Free (unlimited)
  • Goal auto-funding
  • Invite your team
  • Weekly digestexport
  • Export your data
Go Pro

Start finding
your rhythm.

Free to start. No credit card needed.