01 / PLAN
Every dollar gets one clear job.
Ready to Assign stays grounded in the money you actually own. Categories, targets, and card reserves stay connected.
Home$1,240
Everyday$816
Future$600
A calmer way to budget
Your money,
with a clear next step.
Trace turns account balances, daily activity, and big goals into one plan you can actually understand—and trust.
Start with sample data Connect when you're ready
Ready to assign$0
Plan complete Every dollar has a clear job.
Categories
Move moneyC
Everyday cardFunded purchases covered
$87.25
G
Groceries69% of target
$363.37
D
Dining outOn track
$252.50
Net cash flow+$2,298.73
Activity reviewed4 of 4 posted
Plan every dollar
Review every change
Understand the whole picture
Move forward together
Built for clarity
Budgeting software should answer questions, not create more of them.
Trace connects the plan, the transactions, and the reports. When a number changes, you can see why. When money moves, you can see where it went. And when the month gets messy, you always know what to do next.
One connected system
From payday to perspective.
Everything you need to make a plan, keep it honest, and learn from it—without spreadsheet gymnastics.
02 / REVIEW
A transaction inbox that explains itself.
Pending stays pending. Matches prevent duplicates. Opening balances show where today's account totals began.
Balance provenanceOpening balances
Everyday checking$4,850
Greenwood MarketGroceries · Everyday card
−$67.14ReviewedSavings interestReady to Assign
+$3.12Reviewed03 / UNDERSTAND
Reports you can question, click, and trust.
Explore spending, cash flow, assets, and debt without mixing unlike metrics or losing the transactions underneath.
Interactive overviewSpending breakdown
AugustTotal spending$154.39
Groceries67%$103.20
Dining out22%$34.00
Other11%$17.19
04 / TOGETHER
Shared money without blurred boundaries.
Plan household priorities together while preserving a clear line between personal and shared accounts.
TMOne shared planEqual access · Clear ownership
Plan with purpose
Give every dollar a job without losing sight of the life the plan is meant to support.
Review what changed
Imported and manual activity lands in one calm workflow, ready to match, split, and approve.
See the honest story
Interactive reports keep income, spending, cash flow, assets, and debt distinct and traceable.
Plan together
Keep personal money personal while giving a household one shared, understandable plan.
How it works
A rhythm you can keep.
Trace is designed around the few money habits that matter most—not endless setup.
Bring your accounts
Connect accounts or start manually. Opening balances stay visible, so every total has a beginning.
Give money a job
Assign what you own across the categories that matter now, including money reserved for card payments.
Keep the picture true
Review new activity, cover overspending, and use reports to decide what should happen next.
Assets $257,303Debt $180,569
Net worth$76,733.73 Clear, reconciled, traceable
This month
Income$2,453.12
Spending−$154.39
Numbers with context
See the balance.
Then see the reason.
Balances are only useful when you can trace them back to real decisions. Trace keeps the opening point, the activity, and the result connected.
- Credit card payment reserves stay visible
- Pending activity stays out of posted totals
- Report metrics keep their own meaning
Calm by design
Your finances deserve
focus, not noise.
Explainable totals
Every important number has a visible source and a consistent rule.
Deliberate review
Nothing silently becomes part of your plan before it is ready.
Built for real life
Personal, household, cash, credit, goals, and messy months all have a place.
A few good questions
Before you begin.
Can I explore Trace before connecting an account?
Yes. Start with sample data and learn the workflow first. Connect or add your own accounts when you're ready.
Does Trace handle credit cards?
Yes. Funded card spending moves into a visible payment reserve, so the cash set aside for your payment does not disappear from the plan.
Can I budget with someone else?
Trace supports personal and shared household views, with clear ownership and equal access to the shared plan.
Are the reports interactive?
Yes. Select chart points and summary rows to inspect the activity behind them, then clear the selection to return to the full picture.
Your next step is clear
Make money feel
understandable again.
Start with a guided sample plan. Bring your own numbers when you're ready.