Tracky: Simple Budget Planner

Tracky is a lightweight envelope-style budget planner from solo developer Adrien Carvalot, sitting at 81 MB and updated as recently as March 2026. It skips bank-account linking entirely, keeping your financial data fully on-device. The pitch is speed and simplicity: drop money into labeled envelopes, log expenses, and watch your remaining balance calculate itself. At a 4.62 store rating across 124 reviews, early adopters seem genuinely satisfied, though the sample size is still modest for a finance app.

Envelope System Done Without Friction

The core mechanic, allocating money across named categories like groceries, fuel, or vacations, is executed without the setup headaches that plague more ambitious budgeting tools. You are not asked to connect a bank, verify an identity, or wade through onboarding screens. Monthly recurring budgets and one-off event budgets coexist in the same interface, which is a small but practical design decision that solo budgeters will appreciate immediately.

Privacy Strength, But a Trade-off Too

Refusing bank integration is a genuine privacy win, and it removes a meaningful anxiety for users wary of open-banking permissions. The flip side is manual entry for every transaction, which demands consistent habit-building to stay accurate. If you miss a few days of logging, your envelope balances quietly lie to you. That discipline requirement is not a flaw exactly, but it narrows the audience to people already motivated to track spending actively.

Who Should Download This

Tracky fits someone who finds apps like YNAB or Copilot overwhelming and just wants a no-account, no-subscription starting point. The free price lowers the barrier to trying it, though in-app purchases are listed as a possibility, and their scope is not detailed in available facts. At version 1.7.19 with a January 2023 launch and a 2026 update, the app shows signs of continued maintenance, which matters for a finance tool you may rely on daily.