For a long time, my finance 'system' was a mess of spreadsheets, sticky notes, and half-abandoned apps. Each month I would sit down, copy numbers around, and still end up wondering where everything went. It wasn't about lacking discipline — it was about lacking a tool that actually fit how real people think about money.
I'm Do Xuan Bac, a telecommunications engineer who happens to like building things with Python and SQL. Over the years I made small scripts to track my own spending, but none of them stuck. The finance apps I tried were either too rigid, too nosy, or too complicated. I wanted something simple: a place to write down what I spent, tag it with how I felt, and see patterns emerge without a manual.
Vision: More Than Just Numbers
We believe financial tracking shouldn't just be about dry numbers. It should be a reflection of your life. That's why our vision is to help you turn a financial year into a colorful diary of your life.
The project's philosophy is encapsulated in the value chain: Tracks → Gets insights → Reflects → Understands Yourself → Grows → Changes → Heals → Better life.
With the 'My Mood' feature, every transaction becomes more than data — it becomes a memory anchored in how you felt. Whether you spent because you were happy, stressed, proud, or simply treating yourself, looking back no longer shows just numbers. It reveals the emotional rhythm of your life. That emotional depth is what turns tracking into real transformation.
Our 4C Promise
At its core, Simple Money Tracker exists to put you back in control — without the overwhelm. That is why every decision follows a simple 4C promise:
Clear — Your money should never feel like a puzzle. We turn scattered transactions into clean summaries and visuals so you finally see the full picture in seconds.
Confident — Insights only matter when you can act on them. We deliver gentle guidance and clear next steps so you move from 'what happened' to 'what I should do' without second-guessing.
Caring — Finance is deeply personal. Your emotions matter too. With 'My Mood' and natural-language AI, every expense is treated as a part of your real life — not just another number on a spreadsheet.
Close — Good tools feel effortless. No steep learning curves, no hidden fees, no forced bank connections. Just a clean web app that welcomes you whether you are budgeting your first salary or tracking a growing family.
A Commitment from Day One
Since version 1.0 launched in July 2025, Simple Money Tracker has been guided by a 'Privacy-First' philosophy. We don't sell your data, show distracting ads, or force you to link bank accounts if you don't want to.
This is a tool carefully crafted by an independent developer who truly cares about logic, clarity, and real-world usability. Every existing feature was born because it solved a real problem first.
Welcome to Simple Money Tracker. Let's build a more transparent, emotional, and ultimately happier financial future together.
