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
Assets
$31,480
Liabilities
$2,820
Net
$24,500

Habits that know if you actually did it.

Most habit trackers take your word for it. Maintrace checks your transactions — so "no spending day" means no spending, not just a tap you forgot to make.

  • Link habits to your spending automatically
  • Verified by your transactions, not just your word
  • See what each habit actually saved you
  • Weekly targets, not guilt-driven streaks
Habits · this week
No spending
2 of 3 this week
verified by transactions
This week: $240 less than your usual delivery spend.
Morning run
14 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

Was it worth it?

Every expense, rated in one tap — necessary, could reduce, or regret. No diary to write. Just an honest read on where your money actually went, and whether you'd do it again.

  • Rate spending in one tap, no writing required
  • See your month's spending quality at a glance
  • Find out which categories cost you the most regret
  • Check whether you're actually moving toward your goals
Reflection · June 2026
68%
June was a good month, overall — 68% of spending was necessary.
Necessary
Reduce
Regret
Groceries
Food delivery
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.

MonthlyAnnualSave 25%
Free
$0

Everything to manage your money solo.

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

Automate, scale, and share.

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

Start finding
your rhythm.

Free to start. No credit card needed.